Current Loan Rates

Secured and Unsecured Loans

Type Loan Amount Term A.P.R.

Signature:

Up to $10,000 Up to 60 months 12.25% - 16.25%

Share Secured:

No specific amount Term set by member 3%

Certificate Secured:

Subject to term of CD 3%

Loan to Establish Credit:

Maximum of $500 6 months 3%

Cars and Trucks:

Under $18,000 Up to 48 months 3.99% - 7.99%
Under $18,000 48 to 60 months 6.25% - 10.25%
Over $18,000 Up to 72 months 6.50% - 10.50%
Over $30,000 Up to 84 months 7.00% - 11.00%

Motorcycles:

** Under $18,000 Up to 60 months 6.00% - 10.00%
** Over $18,000 Up to 72 months

7.00% - 11.00%

Motor Homes:

** Under $50,000 Up to 120 months 6.75% - 10.75%
** Over $50,000 Up to 180 months 7.25% - 11.25%

Boats and Jet Skis:

* Under $18,000 Up to 60 months 7.25%- 11.25%
* Over $18,000 Up to 72 months 7.25% - 11.25%
* Over $30,000 Up to 84 months 7.50% – 11.50%
** Over $50,000 Up to 120 months 7.75% - 11.75%

Travel Trailers & Campers:

* Under $18,000 Up to 60 months 7.00% - 11.00%
* Over $18,000 Up to 72 months 7.00% - 11.00%
* Over $30,000 Up to 84 months 7.50% - 11.50%
** Over $50,000 Up to 120 months 7.75% - 11.75%

Motorized Equipment:

* Under $18,000 Up to 48 months 5.75% - 9.75%
* Under $18,000 48 to 60 months 6.25% - 10.25%
** Over $18,000 Up to 72 months 6.50% - 10.50%
** Over $30,000 Up to 84 months 7.00% - 11.00%

Aircraft:

* Under $18,000 Up to 60 months 7.25% - 11.25%
* Over $18,000 Up to 72 months 7.25% - 11.25%
* Over $30,000 Up to 84 months 7.50% - 11.50%
** Over $50,000 Up to 120 months 7.75% - 11.75%

All percentage rates listed are the annual percentage rate (APR) unless otherwise listed.
The APR ranges listed are based on Risk Based Lending according to your Credit Score.
New cars (trucks) are made at 100% of purchase price.
Used car (trucks) are made at 100% of appraisal or purchase price...whichever is lower.
All secured loans, excluding shares and certificates, require title and proof of insurance.
* Loans to 100% of purchase price
** 100% of retail blue book plus sales tax or 100% or appraisal...whichever is lower.

Real Estate Loans

Type Loan Amount Term A.P.R.

First Mortgage

80% of appraised value up to $425,000 Up to 180 months 6.50% - 10.50%

Second Mortgage

Reno City Employees Federal Credit Union is not offering second mortgage loans at this time.

All percentage rates listed are annual percentage rates (APR) unless otherwise listed.
The APR ranges listed are based on Risk Based Lending according to your Credit Score.
Real estate loans are for owner occupied property (primary residences) located in Nevada.
All real estate loans require clear title and proof of insurance.
Real estate loans are non-assumable.

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