Current Promotions

Low rates!

Low Winter Rates!

Need to borrow?

CFCU loans are a great way to finance everything from major home improvements to that new car or getaway vacation! Plus, the interest paid on your Home Equity loan is usually tax deductible (consult your tax adviser for information).

Apply today!

Call 607-257-8500, log in to
CFCUanywhere, or visit any branch.

Home Equity Loans

As low as
2.90%
APR*
(for 60 months)

Auto Loans

As low as
2.75%
APR*
(for up to 36 months)

Personal Loans

As low as
7.90%
APR*
(for 36 months)

*APR = Annual Percentage Rate. Rates quoted "as low as" are subject to change without notice. Actual loan rate will be determined by loan terms and credit score. Home Equity Loans: Payment per $1,000 at 2.90% for 60 months = $17.92. Payment example does not include taxes and insurance premiums. The actual payment will be greater if taxes and insurance are included. No refinancing of CFCU loans allowed. Auto Loans: Payment per $1,000 at 2.75% for 36 months = $28.98. Other rates and terms are available up to 84 months. Personal Loans: Payment per $1,000 at 7.90% for 36 months = $31.29. The Credit Union reviews every loan application to ensure fairness and compliance to CFCU policy.

Big plans are more affordable at CFCU!

CFCU commercial loan rates

Low-cost Business Real Estate financing!

Whether you’re buying property, looking to cash out equity or refinance, a low-cost commercial mortgage from the Credit Union should be your first choice. And if you have a commercial mortgage with another lender with a higher interest rate, CFCU is giving you a second chance to pay less.

Whether it’s your First Choice or Second Chance, call 607-257-3282, and talk with Patrick Woods, ext. 3225 or Jeremy Vitale, ext. 3315 for more information or to apply.

FIRST
CHOICE

As low as
6.75%
APR*
Fixed for up to 15 years
(180 months)

SECOND CHANCE

As low as
5.75%
APR**
Fixed for up to 12 years
(144 months)

*APR = Annual Percentage Rate. Rates are subject to change without notice. Rate determined by credit criteria and qualified discounts. To earn this special rate, you must have and maintain a Premiere Business Checking account The account must be active at least 15 days prior to loan closing. Auto pay from your CFCU account is also required. 80% maximum loan to value. $500 nonrefundable application fee for loans up to $100,000, $1,000 for loans $100,000–$300,000, $2,000 for loans over $300,000. Payment per $1,000 at 6.75% for 180 months = $8.85. Rate subject to change. Signed lock-in required to guarantee rate cost $1,000 non refundable/may be applied to closing costs. Member pays all closing costs. All loan applications are subject to approval. The Credit Union reviews all loan applications to ensure fairness and compliance to CFCU policy.

**APR = Annual Percentage Rate. Rates are subject to change without notice. Credit requirements apply. To earn this special rate, you must have and maintain a Premiere Business Checking account The account must be active at least 15 days prior to loan closing. Auto pay from your CFCU account is also required. Five-year recapture on all closing costs paid by CFCU. 70% maximum loan to value. $750 nonrefundable application fee for residential rental properties, or $1,500 nonrefundable for commercial buildings. $1,000 rate lock-in fee (refunded at closing). Payment per $1,000 at 5.75% for 144 months = $9.63. No refinances of CFCU loans allowed. Must be closed by CFCU attorney. All loan applications are subject to approval. The Credit Union reviews all loan applications to ensure fairness and compliance to CFCU policy.

†CFCU will pay the cost associated on the first $250,000, excluding environmental phase 1 or 2, and filing feeson mortgages that exceed $250,000.

No closing costs & great rates…make CFCU the area's leading residential mortgage lender!

#1 in Mortgages!

#1 in Mortgages!

It starts with lower closing costs, even no closing cost options, low Credit Union rates, more flexibility, wide selection of products, fast approvals and help from our knowledgeable lending professionals. If you want to apply to finance a new home purchase or refinance an existing mortgage, call us at 607-257-8500.

No Closing Cost Rates

As low as
3.50%
APR*
10- or 15-year fixed
(for purchases or refinances)

No Closing Cost Rates

As low as
4.50%
APR*
20- or 30-year fixed
(for purchases or refinances)

* APR = Annual Percentage Rate. Rates quoted “as low as” are subject to change without notice. Actual loan rate will be determined by credit history and other loan factors. To earn the special rate, you must have or open a Premiere Checking account with autopay. Rate without Premiere Checking is market interest rate. No closing cost with 3-year recapture. Please contact the Credit Union to obtain a list of closing costs that are covered by this program. 80% maximum loan-to-value for refinances; 90% maximum loan-to-value for purchases. Loans made based on the lower of purchase price or appraised value of property to be mortgaged. $500 application fee refunded at closing, single-family, owner-occupied residential properties only. Payment per $1,000 at 3.50% for 180 months = $7.15. Payment per $1,000 at 4.50% for 360 months = $5.07. Payment example does not include taxes and insurance premiums. The actual payment will be greater if taxes and insurance are included. No refinances of CFCU loans allowed. All loan applications are subject to approval. The Credit Union reviews all loan applications to ensure fairness and compliance to CFCU policy.