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Rates


Home Loans/Mortgages

Click here to access our Mortgage Center and to view our current Mortgage Rates.

Share and Club Account Rates

Regular Share and Club Account Rates .250% with an APY of .250%

Certificate Terms and Rates

Rates effective January 28, 2016
Rates and Terms subject to change without notice.
  Account Type  Rate  APY  Minimum Balance
6 Month CD.600%.602%$1,000.00Calculator 
1 Year CD.520%.521%$1,000.00  
2 Year CD.850%.853%$1,000.00  
5 Year CD1.300%1.308%$1,000.00  
Early withdrawal penalties apply; not to include principal deposited amount.
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Home Equity Loans

Home Equity Loans and Lines up to 80% LTV.

Home Equity Line of Credit

Rates effective July 28, 2015
  Account Type  Term  Rate  Minimum Balance  Maximum Loan Amount  Monthly Payment
Adjustable Rate HELOC**180Prime Rate + 0%$10,000.00$250,000.00$50.00 or balance owed ammoritized up to 10 years (which ever is greater).  
**Rate based on Prime interest rate as quoted in the Wall Street Journal as the first of the month
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New & Used Autos

New and Used Auto Rates

New Auto Rates

Rates effective June 1, 2015
All rates are listed as low as.
  Account Type  Term  Rate  APR  Maximum Term  Maximum Loan Amount  Monthly Payment
New Auto up to 63 MonthsUp to 63 months1.99%1.99%63 Months100% MSRP$16.73 per $1,000.00   
New Auto up to 75 Months (Amt > $15,000.00)Up to 75 Months2.49%2.49%75 Months100% MSRP$14.42 Per $1,000.00  
New Auto up to 84 Months (Amount > $25,000.00)Up to 84 Months2.99%2.99%84 Months100% MSRP$16.73 Per $1,000.00  
Rates subject to change without notice. Rate based on credit worthiness and ability to repay. Payment per $1,000.00 based on rate and term listed.
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Used Auto Loans

Rates effective February 9, 2016
All rates are listed as low as.
  Account Type  Term  Rate  APR  Maximum Term  Maximum Loan Amount  Monthly Payment
Used Auto 5 years or NewerUp to 63 Months1.99%1.99%63 MonthsUp to 100% of NADA MSRP$16.73 per $1,000.00  
Used Auto 5 Years or Newer 75 Mos. (Amount > $15,000.00)Up to 75 Months2.74%2.74%75 MonthsUp to 100% of NADA MSRP$14.52 per $1,000.00  
Used Auto 6-7 years oldUp to 63 Months2.99%2.99%63 MonthsUp to 100% NADA MSRP$17.17 per $1,000.00  
Used Auto 8-9 years oldUp to 63 Months3.99%3.99%63 Months100% of NADA MSRP$17.62 per $1,000.00  
Used 10+ years or olderUp to 60 Months4.99%4.99%60 MonthsUp to 80% of NADA MSRP$18.02 per $1,000.00  
Rates subject to change without notice. Rate based on credit worthiness and ability to repay. Payment per $1,000.00 based on rate and term listed.
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Recreational Vehicles

Motorcycles, ATV's, Personal Watercraft, Snowmobiles.

Motorcycles and Rec. Vehicles

Rates effective March 1, 2015
All rates listed as low as.
  Account Type  Rate  APR  Maximum Term  Maximum Loan Amount  Monthly Payment
Purchases/Refi Up to 60 Months3.99%3.99%60 MonthsUp to 100% of NADA MSRP$18.45 per $1,000.00  
Purchase / Refi up to 72 Months > $15,000.004.49%4.49%Up to 72 MonthsUp to 100% NADA MSRP$15.95 per $1,000.00  
Payment per $1,000.00 based on rate and term listed. Rates subject to change without notice.
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Campers, Boats, RV's and Tractors

Rates effective March 7, 2017
All rates listed are as low as.
  Account Type  Rate  APR  Maximum Term  Maximum Loan Amount  Monthly Payment  Comments
60 Mos. 2007 or Newer Purchase or Refi4.99%4.99%60 MonthsUp to 100% of NADA MSRP$18.87 per $1,000.0010 years or newer purchase or refinance any amount up to guidelines.
  
61-72 Months Purchase or refi5.99%5.99%72 MonthsUp to 100% of NADA MSRP$16.57 per $1,000.002009 or newer. $20,000.00 or greater financed
  
73-84 Months Purchase or refi7.49%7.49%84 MonthsUp to 100% of NADA MSRP$15.33 Per $1,000.002010 or Newer $20,000.00 or greater financed
  
120 Mos. New purchase only8.99%8.99%120 MonthsUp to 100% of NADA MSRP$12.66 per $1,000.00New purchase only $25,000.00 or greater financed
  
144 Mos. New Purchases only9.999.99144 MonthsUp to 100% of NADA MSRP$11.95 per $1,000.00New purchases only $30,000.00 or greater financed
  
Payment per $1,000.00 based on rate and term listed. Rates subject to change without notice.
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Unsecured and Share Loans

Signature based loans using signature or your Share account funds as security.

Unsecured / Signature

Rates effective February 9, 2016
All rates listed as low as.
  Account Type  Term  Rate  APR  Loan Amount  Monthly Payment
Unsecured Up to $5,000.00Up to 48 MonthsAs low as 9.24%9.24%Up to $5,000.00$13.06 per $1,000.00  
Unsecured Up to $10,000.00Up to 60 MonthsAs Low as 10.24%10.24%$5001.00 to $10,000.00$22.80 per $1,000.00  
Payment per $1,000.00 based on rate and term listed. Rates subject to change without notice.
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Share Secured

Rates effective February 25, 2016
  Account Type  Term  Rate  Loan Amount  Minimum Payment
Share Secured LoanVariable terms available based on amount borrowed2.00% above current Share Account rate$500.00 or greater$50.00  

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Personal Line of Credit

Rates effective March 7, 2017
All rates listed are as low as
  Account Type  Term  Rate  APR  Maximum Term  Loan Amount  Maximum Loan Amount  Monthly Payment
Personal Line of CreditUp to 36 months10.99%10.99%36 MonthsMinimum credit amount of $500.00$5,000.00$32.73 per $1,000.00  
Payment per $1,000.00 based on rate and term listed. Rates subject to change without notice.
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Visa Credit Cards

The worldwide power of VISA!

VISA Credit Card

Rates effective March 1, 2015
A fixed rate credit card!  13.90% APR for those who qualify!
Please see disclosure for complete details, terms and conditions.
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Cheshire County Federal Credit Union
143 Marlboro Street
Keene, NH 03431
Email: info@cheshirecfcu.org
Phone: (603) 355-2328
Fax: (603) 357-1602