Loan Rates

Loan Rates Collage

Make More from Your Money with Loans from Coosa Pines Federal Credit Union

Your credit union has great rates on all types of loans, from auto loans to recreational vehicle loans, and from boat loans to VISA Credit Cards with UChoose Rewards. 

Contact a Loan Officer or apply online through Virtual Branch today!

New & Used Auto Loans 

Description

Term in Months*

APR*

Monthly Payment/$1,000

2018 and Newer (Mileage less than 15k)

39

as low as 2.40%

as low as $26.68

2018 and Newer (Mileage less than 15k)

51

as low as  2.75%

as low as $20.80

2018 and Newer (Mileage less than 15k)

63

as low as 3.15% 

as low as $17.25

2018 and Newer (Mileage less than 15k)

75

as low as 3.50%

as low as $14.87

2018-2010

39

as low as 3.25%

as low as $27.06

2018-2010

51

as low as 3.50%

as low as $21.14

2018-2010

63

as low as 3.75%

as low as $17.52

2018-2010

75

as low as 4.05%

as low as $15.12

Models 2009 & Older

63

as low as 5.75%

as low as $18.48

*Rates shown are effective July 15, 2019 and subject to change without notice.  Contact a Loan Officer to verify current rates.  Quoted rates are our lowest rates offered; this is a partial list.  The APR (*Annual Percentage Rate) you receive will be based on your credit worthiness.  Certain term and rate restrictions apply.  Not all vehicle models will qualify for extended terms.  See a Loan Officer for details and restrictions.

Recreational Vehicles

Description

Term in Months*

APR* 

Monthly Payment/$1,000

2018 or Newer

48

as low as 3.50%

as low as $22.36

60

as low as 3.95%

as low as $18.40

72**

as low as 4.25%

as low as $15.77

84***

as low as 4.50%

as low as $13.91

120***

as low as 5.25%

                           as low as $10.74

2018-2012

48

as low as 4.75%

as low as $22.92

60

as low as 4.95%

as low as $18.86

72**

as low as 5.25%

as low as $16.23

84***

as low as 5.50%

as low as $14.38

120***

quoted at application

*Rates shown are effective February 15, 2019 and subject to change without notice. Contact a Loan Officer to verify current rates. Quoted rates are our lowest rates offered; this is a partial list. The APR (*Annual Percentage Rate) you receive will be based on your credit worthiness, type and year model of recreational vehicle. Certain term and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions.
 
**To qualify for 72 months term, the loan amount must be greater than $10,001.00 to $25,000.00. To qualify for 84 months term, the loan amount must be $25,001.00 to $50,000.00.
 
***To qualify for 120 months term, the loan amount must be greater than $50,001.00 and loan must be 80% or less of value.

Mini-Recreational Vehicles

Description

Term in Months

APR*

Monthly Payment/$1,000

2018 and Newer

60

as low as 4.95%

as low as $18.86

2018-2012

48

as low as 6.75%

as low as $23.84

2011 and older

48

as low as 9.25%

as low as $25.01

*Rates shown are effective February 15, 2019 and subject to change without notice. Contact a Loan Officer to verify current rates.  Quoted rates are our lowest rates offered; this is a partial list.  The APR (*Annual Percentage Rate) you receive will be based on your credit worthiness, type and year model of vehicle.  Certain term and rate restrictions apply.  Not all vehicle models will qualify for extended terms.  See a Loan Officer for details and restrictions.

Personal Loans

Description

Term in Months

APR*

Monthly Payment/$1,000

Line of Credit

 

*Contact Credit Union for Rates, Terms and Conditions

Monthly Payments

24

as low as 6.95%

as low as $44.76

Rates shown are effective June 15, 2018 and subject to change without notice. Contact a Loan Officer to verify current rates.  Quoted rates are our lowest rates offered; this is a partial list.  The APR (*Annual Percentage Rate) you receive will be based on your credit worthiness and type of collateral if applicable.  Certain term and rate restrictions apply.

Coosa Pines VISA with UChoose Rewards

Description

 Interest Rates and Interest Charges

Annual Percentage Rate
(APR) for Purchases

9.95%, 12.95% or 15.95%, based on your credit worthiness.

APR for Balance Transfers

9.95%, 12.95% or 15.95%, based on your credit worthiness.

APR for Cash Advances

9.95%, 12.95% or 15.95%, based on your credit worthiness.

How to Avoid Paying
Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle.  We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $0.01.

For Credit Card Tips from
the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using
a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore.

Mortgage Loans 

Coosa Pines FCU offers a variety of fixed and variable mortgage loans that offer competitive interest rates and low closing costs, along with terms to fit your needs.

Advantages of a credit union real estate loan:
No application fees

  • No pre-payment penalties
  • No call centers and strangers to deal with – you’ll always deal with people who you know and trust!
  • Interest may be tax-deductible (Please consult a tax professional for advice.)

Payments can be made by mail, in person or through the night drop at any of our five locations, at a Credit Union Service Center, by Automatic Transfer, through the FREE Virtual Branch internet banking service, FREE Mobile Money mobile phone banking service, or FREE Express Line automated telephone service.

Please call any branch for our most up to date, current rates:

  • Childersburg (256) 378-5559
  • Sylacauga (256) 245-7110
  • Chelsea (205) 678-3600
  • Pell City (205) 338-5401
  • Roebuck (205) 838-2466
  • Vincent   (205) 672-7169
  • Toll-Free (800) 237-9789, Option 4

Coosa Pines Federal Credit Union is an Equal Housing Lender.