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Loan & Mortgage Rates

Rate information is accurate as of June 1, 2025.

Loan Rates

Loans

New Auto*
TermAPR as low asMonthly Payment per $1000
36 months 3.99% $29.52
48 months 4.49% $22.80
60 months 4.49% $18.64
72 months 4.49% $15.87
84 months 5.49% $14.37
*CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.

Pre-owned Auto‡
TermAge of VehicleAPR as low asMonthly Payment per $1000
36 months 1-7 years 4.74% $30.30
48 months 1-7 years 4.74% $23.37
60 months 1-7 years 4.74% $19.21
72 months 1-7 years 4.74% $16.45
84 months ** 5.74% $14.97
48 months 8-10 years 7.49% $24.17
‡CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.
**Vehicle must be 10 model years or newer at the end of the 84 month term.

New Motorcycle* Rates
TermAPR as low asMonthly Payment per $1000
36 months 6.99% $30.87
48 months 7.49% $24.17
60 months 7.49% $20.03
72 months 7.49% $17.29
84 months 8.49% $15.83
*CPFCU will finance up to 100% of purchase price. We cannot finance negative equity. Minimum loan amounts apply. See printable pdf for details.

Pre-owned Motorcycle‡ Rates
TermAge of VehicleAPR as low asMonthly Payment per $1000
36 months 1-7 years 7.74% $31.22
48 months 1-7 years 7.74% $24.29
60 months 1-7 years 7.74% $20.15
72 months 1-7 years 7.74% $17.41
48 months 8-10 years 8.74% $24.76
‡Based on NADA clean retail value. Minimum loan amounts apply. See printable pdf for details.

New Boat* Rates
TermAPR as low asMonthly Payment per $1000
60 months 6.50% $19.57
84 months 7.00% $15.09
120 months 7.50% $11.87
144 months 8.00% $10.82
*CPFCU will finance up to 90% of purchase price. We cannot finance negative equity. Minimum loan amounts apply. See Boat & RV Loan Rates for details.

Pre-owned Boat‡† Rates
TermAPR as low asMonthly Payment per $1000
60 months 7.50% $20.04
84 months 8.00% $15.59
120 months 8.50% $12.40
144 months 9.00% $11.38
‡Based on NADA average retail value under 25 foot. Based on 85% of Fair Market Value (Marine Survey) over 25 foot.
†Loan applications for pre-owned boats under 25 foot must be accompanied by a current picture of the boat. Loan applications for pre-owned boats 25 foot and over must be accompanied by a current picture of the boat & a marine survey done by a licensed surveyor.
Minimum loan amounts apply. See Boat & RV Loan Rates for details.

New RV* Rates
TermAPR as low asMonthly Payment per $1000
84 months 7.15% $15.17
120 months 7.40% $11.82
144 months 7.65% $10.63
180 months 7.90% $9.50
*CPFCU will finance up to 80% of purchase price. We cannot finance negative equity. Minimum loan amounts apply. See Boat & RV Loan Rates for details.

Pre-owned RV‡ Rates
TermAPR as low asMonthly Payment per $1000
84 months 8.15% $15.66
120 months 8.40% $12.35
144 months 8.65% $11.18
‡Up to 100% of NADA wholesale value. Minimum loan amounts apply. See Boat & RV Loan Rates for details.

Mortgage Rates

Mortgage Rates

Conventional Loans
NameRateAPRPoints
30 Year Fixed Rate 6.375% 6.513% 0.000%
20 Year Fixed Rate 6.250% 6.431% 0.000%
15 Year Fixed Rates 6.000% 6.225% 0.000%
10 Year Fixed Rate 6.000% 6.318% 0.000%

USDA Loans
NameRateAPRPoints
USDA 6.625% 7.223% 0.000%

VA Loans
NameRateAPRPoints
Federal VA 30 Year Fixed Rate 6.500% 6.761% 0.000%

Land Loans
NameRateAPRPoints
15 Year Fixed Rate 8.500% 8.552% 0.000%

Construction Loan
NameRateAPRPoints
12 Month 7.250% 7.768% 0.000%

Home Equity Loan
NameRateAPRPoints
15 Years 8.375% 8.655% 0.000%
10 Years 8.375% 8.655% 0.000%
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