Not Enrolled?

Become a Member

Loan Products

Services

Contact Coosa Pines FCU

Visit Us on FaceBook
Twitter

Verified by Visa
Loan Rates
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*
New 48 as low as 1.90%
New 60 as low as 2.75%
New
72 as low as 3.10%
Used 48 as low as 2.50%
Used 60 as low as 2.75%
Used 72 as low as 3.10%
Models 7 Years & Older 48 as low as 4.50%

*Rates shown are effective September 16, 2013 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.

Back to Loan Rates




Recreational Vehicles
Boats, Motor Homes and Travel Trailers
Description
(Boat, Motor Home, Travel Trailer)
Term in Months* APR*
New
48
as low as 2.95%
 
60
as low as 3.25%
 
72**
as low as 3.50%
 
84**
as low as 3.95%
 
120***
quoted at application
Used Current & Previous 5 Years
48 as low as 3.55%
  60 as low as 3.75%
  72** as low as 3.95%
  84** as low as 4.15%
  120*** quoted at application
 
*Rates shown are effective September 16, 2013 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
Motorcycles, Personal Watercraft, ATVs and Dirt Bikes
Description
(Motorcycle/ Personal Watercraft)
Term in Months* APR*
New
60
as low as 5.75%
Used Current & Prior 6 Years
60
as low as 6.00%
Used 7 Years & Older
48
as low as 7.25%

Description
(ATV/ Dirt Bike)
Term in Months* APR*
New                              
60
as low as 7.25%
Used
48
as low as 8.25%

*Rates shown are effective September 16, 2013 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.

Back to Loan Rates




Deposit (Share or Certificate) Secured
Description Term in Months* APR*
Share
Maximum 60
2% over dividend rate
(2.3% minimum APR)
Share Certificate
Maximum One Year, Not to
Exceed Certificate Term
2% over dividend rate
(2.5% minimum APR)

*APR = Annual Percentage Rate.  Rates shown are effective September 16, 2013 and subject to change without notice.  Certain term and rate restrictions apply.  See a Loan Officer for details and restrictions.

Back to Loan Rates




Personal Loans
Description Term in Months* APR*
Line of Credit   as low as 9.95%
Monthly Payments 36 as low as 9.95%

*Rates shown are effective September 16, 2013 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.

Back to Loan Rates




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 purhcases 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 Federal Reserve
To learn more about factors to consider when applying for or using
a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
Fees  
Annual Fee None
Transaction Fees
  • Balance Transfer
  • Cash Advance
  • Foreign Transaction
 
None
None
1% of each transaction in U.S. dollars
Penalty Fees
  • Late Payment
  • Returned Payment
 
$10.00
$10.00
Other Fees
  • Statement Copy
  • Rush Delivery
 
$2.00
$30.00
 
*APR = Annual Percentage Rate.  Rates shown are accurate as of September 16, 2013.  Certain restrictions apply.  See a Loan Officer for details.  Rates and terms are subject to change without notice.  Not all accounts eligible for UChoose Rewards.  How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases)".  The information about the cost of the card(s) described in the above disclosure is accurate as of December 1, 2012.  This information may have changed after that date.  To find out what may have changed, call 1-800-237-9789 (toll-free) or 256-378-5559 (local), or write to us at Coosa Pines Federal Credit Union, 17591 Plant Road, Childersburg, AL 35044.



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 current rates:
  • Childersburg (256) 378-5559
  • Sylacauga (256) 245-7110
  • Chelsea (205) 678-3600
  • Pell City (205) 338-5401
  • Roebuck (205) 838-2466
  • Toll-Free (800) 237-9789, Option 4 
Go to CPFCU Mortgage Loans.          Coosa Pines Federal Credit Union is an Equal Housing Lender.

Back to Loan Rates






APR - Annual Percentage Rate
*Rates shown are effective February 11, 2013.  Rates and terms subject to change without notice.

Privacy Policy | About Us | Careers | FAQs | Third Party Link Disclaimer
©2009 Coosa Pines Federal Credit Union
Website Design and Content Management by JSS Enterprises, Inc. and Print Resources