Find the Car Loan and Auto Financing you need

woman in sunglasses driving vintage auto
Shopping for a new auto? When you apply for a car loan, you don’t want to feel like you’re being taken for a ride. We are here to answer any questions you have about auto financing.

New & Used Auto Purchase and Refinance Rates(1)

APR as low as* Term Loan Amount Estimated Monthly Payment
1.99% 36 months $25,000.00 $715.97
2.74% 48 months $25,000.00 $550.51
3.24% 60 months $25,000.00 $451.92
3.74% 66 months $25,000.00 $419.70
4.99% 72 months $25,000.00 $402.55
5.24% 84 months $25,000.00 $356.22


Rates and offers current as of June 15, 2020 and are subject to change.

The minimum loan amount and repayment period that we finance varies depending on the vehicle value, mileage, year model, and the credit score (combined credit score average of co-applicants). This amount is calculated as a percentage of the MSRP/NADA Clean Trade In value; contact the credit union for more details once you have chosen a vehicle. The maximum repayment period for vehicles with over 100,000 miles is 66 months.

We will finance taxes, title registration, and documentation fees. We may also finance additional amounts for the purchase of GAP (Guaranteed Asset Protection) Waiver and/or refundable dealer maintenance contracts, subject to maximum limits. We do not finance vehicles that have a totaled, reconstructed/salvaged, lemon law buyback, or those with any other branded title. Other restrictions may apply, please contact the credit union for more details once you have chosen a vehicle.

*The Annual Percentage Rate (APR) shown includes only interest and does not contain other costs or fees. All rates are subject to change at any time without notice. Rates are based on your credit history and credit qualifications. All loans are subject to credit approval. Additional restrictions may apply. Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. The rate you receive on your loan will be the rate in effect at the time of loan disbursal. Full coverage insurance with a maximum deductible of $1,000 is required on all Auto loans. Borrower is responsible for adding CESFCU as lienholder. All services offered by Cooperative Extension Service Federal Credit Union (CESFCU) will be subject to applicable laws of the state of Arkansas, federal laws and regulations, credit union bylaws as amended, and all other regulations, rules and practices now and hereafter adopted by CESFCU.

(1) New & Used Auto Purchase and Refinance Auto Loans: 1.99% APR rate shown based on credit score of 750 or higher and a term of 36 months for vehicles year models of 2015 and newer. Auto Refinance Offers are only valid for auto loans not currently financed with CESFCU.

Interest continues to accrue during the deferred payment and credit score determines rate. First payments may be due up to 90 days from the date of the signed contract. 

CESFCU Visa Gold Program

people, discussionThis message is for all CURRENT Visa Gold Members only.

All credit cards have been reissued and mailed. Don't forget to call and activate your new card.  Call the number listed on the sticker attached to your new card from your home phone. Please look for an additional mailer with your Personal Identification Number (PIN). Each cardholder name will receive a new PIN number.

Online access to your new credit card will be at  You will need to register your new account in order to access your account information.

After you register your card, set up Account Alerts.

  • Account Services
  • Alerts > Create New Alert
  • Here are the options. These can be received via email or text. The email addresses and Mobile numbers have to be added and verified before they will work.  

Alert/Notification Options

A single transaction exceeds

Account past due

Current balance exceeds $ (specific amount)

Current balance within $ (specific amount) of credit limit

New statement is available (this is automatically set if you elect e-statements)

Number of transactions exceeds

Payment due in X (specific number) days

Personal (this is an option that can be used as a reminder)


Sign up for HomeCU banking today!

Hands, calculator, financials
Cooperative Extension Service Federal Credit Union would like to introduce our online banking system called HomeCU Banking. 

  • View account and check balances
  • Request transfers
  • Request check withdrawals
  • Request CESFCU VISA payments
  • Receive E-Statements

For more information call the Credit Union at 501-671-2037.

To access your account once it's been activated visit: HomeCU Banking

Club Accounts

Money Savings PiggyAt CESFCU, you can open a Club Account and save for Christmas, Vacation, or your child's education. The possibilities are endless!

Saving is easier when you have a goal and purpose in mind. Having a defined time frame helps you stick to your savings budget.

To help you set aside funds for special occasions, CESFCU offers a variety of savings accounts. Deposits can be made by mail, in person, or through convenient Payroll Deduction. There is no minimum to open or minimum balance.

Add funds to your Vacation Savings Account each pay period to plan for a fabulous vacation every year!

For years, members have enjoyed their holiday shopping even more knowing they planned with a CESFCU Christmas Savings Account. You can save as much as you want each pay period through payroll deduction.

Holiday Closings

In the event of inclement weather, our office will be closed if the Cooperative Extension Service Little Rock State Office is closed. 

Martin Luther King, Jr. Day - Monday, January 20, 2020
Memorial Day - Monday, May 25, 2020
Independence Day - Friday, July 3, 2020
Labor Day - Monday, September 7, 2020
Thanksgiving - Thursday & Friday, November 26 & 27, 2020
Winter Break - Thursday, December 24, 2020 through Friday, January 1, 2021

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TruStage Insurance Solutions

Insurance built for Credit Union Members like you.   TruStage Insurance Solutions offers Auto, Home, Life and Accidental Death & Dismemberment Insurance.  Find out more here.

Insurance Solutions For Everything That Matters. Find Out More.