Personal & Recreational Loan Rates

Personal & Recreational Loan

The tables below indicate our interest rates for A+, A, B, C, D, & E credit for our various consumer loan products. The bottom of this loan rate sheet contains a chart showing our FICO Credit Score Rating Guide.

The rates appearing are accurate and effective for loan accounts as of March 3, 2025. Rates are subject to change without notice.

Loan Application

Other Collateral (ATVs, Motorcycles, Snowmobiles, Boats, & RVs) & Used Autos 6 - 10 Years Old (Model Years: 2016 - 2020)

	
			Credit Rate 
			24 Mos. APR* 
			36 Mos. APR* 
			48 Mos. APR* 
			60 Mos. APR* 
			72 Mos. APR* 
			84 Mos. APR* 
			96 Mos. APR* 
			120 Mos. APR* 
			144 Mos. APR* 
		

	
				A+
				%
				%
				%
				%
				%
				%
				%
				%
				%
		

				A
				%
				%
				%
				%
				%
				%
				%
				%
				%
		

				B
				%
				%
				%
				%
				%
				%
				%
				%
				%
		

				C
				%
				%
				%
				%
				%
				%
				%
				%
				%
		

				D
				%
				%
				%
				%
				%
				%
				%
				%
				%
		

				E
				%
				%
				%
				%
				%
				%
				%
				%
				%
		

Unsecured Loans & Used Autos greater than 10 Years (Model Years: 2015 & older)

	
			Credit Rate 
			18 Mos. or less APR* 
			24 Mos. APR* 
			30 Mos. APR* 
			36 Mos. APR* 
			42 Mos. APR* 
			48 Mos. APR* 
		

	
				A+
				%
				%
				%
				%
				%
				%
		

				A
				%
				%
				%
				%
				%
				%
		

				B
				%
				%
				%
				%
				%
				%
		

				C
				%
				%
				%
				%
				%
				%
		

				D
				%
				%
				%
				%
				%
				%
		

				E
				%
				%
				%
				%
				%
				%
		

Quick Cash Loans

	
			Credit Rating 
			APR* 
		
				A+
				%
		
				A
				%
		
				B
				%
		
				C
				%
		
				D
				%
		
				E
				%

Overdraft Line Of Credit Loans

	
			APR* 
		
				%

Credit Builder Loans

	
			APR* 
		
				%

*APR = Annual Percentage Rate.

FICO Credit Score Rating Guide

Cumberland County FCU’s rate advantage lending program is designed to help all our members with very competitive rates. For those members with excellent credit; rate advantage lending gives you a lower interest rate the better your credit. For our member with some credit issues; rate advantage lending allows the credit union to approve more loans, although at a slightly higher rate.

The tables above indicate our interest rates for A+, A, B, C, D, & E credit for our various consumer loan products. Below is a chart showing our FICO credit score rating guide.

If you have serious credit issues please consider your credit union.

FICO Scoring Range

	
				A+
				750 Plus
			
				A
				680-749
			
				B
				640-679
			
				C
				600-639
			
				D
				550-599
			
				E
				549 & below

Personal & Recreational Loan Rates