Loan Types & Rates

The CS Credit Union is committed to provide low interest rates to its members.
The following rates are disclosed as an APR (Annual Percentage Rate) and applied as simple interest on the unpaid balance. Rates are subject to change without notice.

If you have a question about a specific loan, or eligibility to apply for a loan, please contact us at:

loans@csnccreditunion.org or call (828) 241-6031 or 800-438-3335, Ext. 6031

Click here for our Loan Calculator to estimate a loan payment.

CURRENT LOAN RATE SCHEDULE
EFFECTIVE 10-01-2015

New Vehicle 100% LTV 

TERM
MONTHS

E
<549
D
550-599
C
600-639
B
640-679
A
680-749
A+
750>
48 8.75 8.25 5.75 4.75 3.25 2.25

60

9.25 8.75 6.25 5.25 3.75 2.75
72 9.75 9.25 6.75 5.75 4.25 3.25

New Vehicle 90% LTV 

TERM
MONTHS

E
<549
D
550-599
C
600-639
B
640-679
A
680-749
A+
750>
48 8.50 8.00 5.75 4.75 3.00 2.00

60

9.00 8.50 6.25 5.25 3.50 2.50
72 9.50 9.00 6.75 5.75 4.00 3.00

New Vehicle 80% LTV 

TERM
MONTHS

E
<549
D
550-599
C
600-639
B
640-679
A
680-749
A+
750>
48 8.25 7.75 5.25 4.25 2.75 1.75

60

8.75 8.25 5.75 4.75 3.25 2.25
72 9.25 8.75 6.25 5.25 3.75 2.75

Used Vehicle (0-3 Years Old)

TERM
MONTHS

E
<549
D
550-599
C
600-639
B
640-679
A
680-749
A+
750>
48 8.50 7.50 5.75 4.75 3.00 2.25

60

9.50 8.50 6.75 5.75 4.00 3.25

Used Vehicle (4-5 Years Old)

TERM
MONTHS

E
<549
D
550-599
C
600-639
B
640-679
A
680-749
A+
750>
36 9.50 8.50 6.75 5.75 4.00 3.25
48 10.50 9.50 7.75 6.75 5.00 4.25
60 11.50 10.50 8.75 7.75 6.00 5.25

Used Vehicle (6-8 Years Old) 

TERM
MONTHS

E
<549
D
550-599
C
600-639
B
640-679
A
680-749
A+
750>
36 11.50 10.50 8.75 7.75 5.00 4.25
48 12.50 11.50 9.75 8.75 6.00 5.25
60 13.50 12.50 10.75 9.75 7.0 6.25

Used Vehicle (9 Years or Older) 

TERM
MONTHS

E
<549
D
550-599
C
600-639
B
640-679
A
680-749
A+
750>
36 12.50 11.50 9.75 8.75 6.75 5.75
48 13.50 12.50 10.75 9.75 7.75 6.75
60 14.50 13.50 11.75 10.75 8.75 7.75

 

Boats, Campers, Motor Homes (Same as New/Used Vehicles)

 

New Recreational Vehicle/Farm Equipment

TERM
MONTHS

E
<549
D
550-599
C
600-639
B
640-679
A
680-749
A+
750>
36 12.50 11.50 9.75 8.75 6.75 5.75
48 13.50 12.50 10.75 9.75 7.75 6.75
60 14.50 13.50 11.75 10.75 8.75 7.75

Used Recreational Vehicle/Farm Equipment 

TERM
MONTHS

E
<549
D
550-599
C
600-639
B
640-679
A
680-749
A+
750>
36 13.75 12.75 11.75 10.75 8.75 7.75
48 14.75 13.75 12.75 11.75 9.75 8.75
60 15.75 14.75 13.75 12.75 10.75 9.75

Signature Loan Schedule 

TERM
MONTHS

E
<549
D
550-599
C
600-639
B
640-679
A
680-749
A+
750>
OPEN 16.90 15.90 14.90 13.90 12.90 11.90

VISA CREDIT CARDS *

TERM
MONTHS

E
<549
D
550-599
C
600-639
B
640-679
A
680-749
A+
750>
OPEN 17.90 16.90 13.90 11.90 9.90 8.90

* SIX MONTH 2.99% INTRODUCTORY RATE ON VISA PURCHASES AND CASH ADVANCES

 

Other Loans

TYPE

RATE (APR) TERM
SHARE SECURED SHARE RATE + 3% 60 MONTH MAXIMUM

CD SECURED

CD RATE + 3% N/A
OVERDRAFT LOAN 18.00% N/A
1ST MORTGAGE-AmeriCU MARKET RATES 120-360 MONTHS
HOME EQUITY LINE PRIME (6% FLOOR) 180 MONTHS

PLEASE NOTE THE FOLLOWING:

  • All Current Lending Policies Apply
     

  • All Rates Subject To Change
     

  • The Credit Union reserves the right to refuse consideration of a loan application submitted by a member who has caused the Credit Union to suffer any form of financial loss
     


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