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 $715.99
2.74% 60 months $25,000.00 $446.38
3.24% 66 months $25,000.00 $414.10
3.74% 72 months $25,000.00 $388.23
4.99% 84 months $25,000.00 $349.82


Rates and offers current as of May 1, 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. 

Update to the CESFCU Visa Gold Program

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

On June 20, 2020, CESFCU will be updating its credit card processor from WorldPay to FIS. CESFCU utilizes the services of WorldPay for all credit card processing currently. However, WorldPay and FIS have combined some of their processes and clients. Beginning, June 20, 2020 CESFCU will be changing from WorldPay to FIS for all credit card processing.

Additional information will be provided to each Visa Gold Member in the coming weeks. If you have any questions please contact us via the telephone (501-671-2038) and through electronic means (

Here are some important things you will need to know:

There will not be changes to:

  • Credit Card Payment Due Date
  • Accessing other CESFCU accounts
  • Our services and commitment to you

There will be changes to:

  • 16-digit credit card number
  • CVV code
  • Personal Identification Number (PIN)
  • Credit Card Website
  • Credit Card Statement

Simply continue to use your existing CESFCU credit card for now, then activate and start using your new credit card on June 21, 2020. Also remember to provide your new credit card number to any merchants who automatically bill your existing card.

Please take a moment to read the Frequently Asked Questions to see how this will affect you.

We appreciate the opportunity to serve you.

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

 Find CESFCU on Facebook

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.