Loan Types & Rates
The CS Credit Union is committed to providing 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
New & Used Vehicles
|
TERM (months) |
APR |
Up to 48 Months |
As low as 3.75% |
60 Months |
As low as 4.25% |
72 months |
As low as 4.75% |
84 months |
As low as 5.25% |
Boats, Campers, Motor Homes (Same as New/Used Vehicles)
Signature Loan Schedule
|
TERM (months) |
APR |
Open |
As low as 8.90% |
Visa Credit Cards*
|
TERM (months) |
APR |
Open |
As low as 8.90% |
* SIX MONTH 2.99% INTRODUCTORY RATE ON VISA PURCHASES AND CASH ADVANCES
Visa Credit Card Payment
Make your Visa Credit Card payment online! To learn more click the button below.
Other Loans
|
TYPE |
TERM (months) |
APR |
Share Secured |
Up to 60 Months |
Share rate +3% |
CD Secured |
Up to CD maturity |
CD rate 3% |
Overdraft Loan |
N/A |
16.00% |
1st Mortgage-Fixed Rate Internal** |
Up to 180 months |
7.00% |
1st Mortgage-Land-Fixed Rate Internal** |
Up to 120 months |
7.00% |
1st Mortgage-all other-thru AmeriCU Mtg |
120-360 months |
Market Rates |
Home Equity LOC |
180 months |
Prime Rate (7% floor, 12% cap) |
**Real estate lending limited to NC-Subject to available funds
*Effective September 1, 2023
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