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Savings Rates - Effective  August 1, 2020

Account Rate Annual Percentage Yield
Regular Share Savings  0.25% 0.25%
Second Share Savings 0.25% 0.25%
Third Share Savings 0.25% 0.25%
Vacation Share Savings 0.25% 0.25%
Holiday Share Savings 0.25% 0.25%
6-Month Share Certificate 0.25% 0.25%
12-Month Share Certificate 0.30% 0.30%


Loan Rates - Effective  August 1, 2020

Loan Type Annual Percentage Rate Information
New/Used Vehicle Loan Rates as low as 1.99% Model Years 2015 and Newer. New vehicles are vehicles that have not previously been sold or titled.
Older Model Vehicles Rates as low as 3.24% Model Years 2014 - 2010
Other Collateral-Current to 10 Year Old Models Rates as low as 4.74% Recreations Vehicle, Fifth Wheel, Travel Trailer, Pop-Up/Tent Trailers, Farm Equipment, Horse Trailer, Motorcycle & Motorized Scooters, ATV/UTV, Snowmobile, Boats, Personal Watercraft, or any other large collateral that can have a lien applied
Unsecured & Personal/Signature Loans Rates as low as 7.49% Terms from 36 - 60 Months
Share Secured Rates as low as 2.25% Terms from 36 - 120 Months
Share Certificate Secured  3.00% + Share Certificate Rate The term is based on the term of the Share Certificate
Visa Credit Card Rates as low as 6.00% Rates range from 6.00% to 11.50%

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. For more information about loan requirements, see Auto Loan Disclosure. 

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. 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.