CME CU Loan Rates

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Better Loan Rates Saves You Money

New or Used Autos
Effective Date: Sunday, March 30th, 2025
TermMthly Payment Per $1,000APR*
New & Used Vehicles
Up to 48 months $23.48 5.99%
Up to 60 months $19.44 6.24%
Up to 72 months $17.04 6.99%
New Vehicles Only
Up to 84 months $15.09 6.99%

*APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, and payment method. Published rate includes a .25% rate discount when you maintain a direct deposit into a CMECU checking account and .25% when you maintain an autopayment from your CMECU checking account. Rates are subject to change at any time..


**New auto loans are for 2024 and 2023 model years with less than 8,000 miles. Used auto are for 2023 and older model years.


***All Vehicle and Recreational Vehicle Loans require Vendor Single Insurance (VSI) for a fee of $21.


****Using the 90 Day payment delay program results in an accrual of interest from the loan origination date and may result in more interest paid over the life of the loan. For example, a 72-month used auto loan at $1,000.00 at 6.99% interest rate without using the 90-day payment delay program would result in a monthly payment of $17.04. The same loan using the 90-day payment delay program would result in a monthly payment of $17.64.

Personal Loans
Effective Date: Sunday, March 30th, 2025
Loan TypeTermMthly Payment Per $1,000APR*
More Great Rates
Personal Up to 24 months $46.14 9.99%
Personal Up to 60 months $22.49 12.49%
Savings Secured Up to 60 months $18.47 4.10%
Certificate Secured Up to Maturity Varies Based on CD Rate Certificate Rate + 3.00%

*APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, and payment method. Published rate includes a .25% rate discount when you maintain a direct deposit into a CMECU checking account and .25% when you maintain an autopayment from your CMECU checking account.

First Mortgage Rates
Effective Date: Sunday, March 30th, 2025
Mortgage OfferingRatePointsAPR*Payment **
30 Yr Fixed 6.50% 0 6.55% $1,896
15 Yr Fixed 5.75% 0 5.83% $2,491
5/1 ARM - Treasury 7.00% 0 6.90% $1,996
7/1 ARM - Treasury 7.13% 0 7.00% $2,021
10/1 ARM - Treasury 7.38% 0 7.23% $2,072

* APR = Annual Percentage Rate

** Sample Payment assumes a loan amount of $300,000 with an 80% loan to value.

Rates posted are indications only and are subject to change without notice. Your actual rate and/or points may be different, as many factors can affect the final interest rate.

Motorcycle, Boat or RV
Effective Date: Sunday, March 30th, 2025
TermMthly Payment Per $1,000APR*
Motorcycle Loans
New - Up to 84 months $15.58 7.99%
Used - Up to 60 months $21.49 10.49%
New - Up to 120 months $13.63 10.74%
Used - Up to 120 months $13.91 11.24%
Boat Loans
New - Up to 84 months $16.99 10.74%
Used - Up to 84 months $17.25 11.24%

*APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, and payment method. Published rate includes a 0.25% discount when you maintain auto pay and a 0.25% discount when auto payments are  made from your CME Credit Union MyLife Checking Account . Rates are subject to change at any time.


**New vehicle loans are for 2024 and 2023 model years with less than 8,000 miles. Used vehicle are for 2023 to 2016 model years.


***All Vehicle and Recreational Vehicle Loans require Vendor Single Insurance (VSI) for a fee of $21.


****Using the 90 Day payment delay program results in an accrual of interest from the loan origination date and may result in more interest paid over the life of the loan. For example, a 120-month motorcycle loan at $1,000.00 at 11.24% interest rate without using the 90-day payment delay program would result in a monthly payment of $13.91. The same loan using the 90-day payment delay program would result in a monthly payment of $14.11.