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There are plenty of good reasons to get a loan at CEFCU. 

  • You will find our loan rates among the lowest in the area. 
  • For your convenience, repayment may be set up through payroll deduction or direct deposit. 
  • Loans with these repayment options receive a discounted rate. 
  • Member-pay Credit Life & Credit Disability is available for most loans. 


HOME EQUITY LOANS – Home Equity Lines of Credit are available up to $250,000 with a repayment period up to 15 years.  The rate is based on the Prime Rate.

NEW AUTO LOANS – 100% financing is available for terms up to 72 months.

USED AUTO LOANS – A variety of options are available, including 100% financing and terms up to 60 months.

MOTORCYCLE LOANS – Financing available for new or used motorcycles purchased from licensed dealers.

DEBT CONSOLIDATION LOANS – Consolidate debts to lower your payment and pay less interest.– Consolidate up to $15,000 with 48 months to repay.

PERSONAL UNSECURED LOANS – Members are eligible for up to $5,000 for up to 36 months.

SHARE SECURED LOANS – Borrow against your savings at our lowest rate available.

VACATION LOANS - Vacation Loan specials offered from June to August each year.

HOLIDAY LOANS – Loan specials offered each winter to help with your holiday shopping.

RETIREMENT BUY-BACK LOANS – Allows members in the Chelsea Retirement System to finance qualifying “buy-back” time.

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