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Consumers Professional Credit Union

Rates

 

Current Promotion:

1% Off APR* & No Payments For First 90 Days On Any New Secured Loan.

*Annual Percentage Rate. Rates are subject to change without notice. Subject to credit approval and other conditions. Rates may vary based on term and credit score. See lender for details. This offer excludes mortgages, commercial loans, and credit cards.

New Car/Motorcycle/Truck/Classics/Auto-Up*
Effective Date: Oct 1, 2025
Credit ScoreTermAPR
700-800 24 Months 5.050%
  36 Months 5.300%
  48 Months 5.550%
  60 Months 5.800%
  72 Months 6.050%
  84 Months 6.650%
620-699 24 Months 5.300%
  36 Months 5.800%
  48 Months 6.000%
  60 Months 6.050%
  72 Months 6.550%
  84 Months 7.150%
580-619 24 Months 5.550%
  36 Months 6.300%
  48 Months 6.800%
  60 Months 7.050%
  72 Months 7.550%
  84 Months 8.150%

APR=Annual Percentage Rate

10% down payment may be required on 84 months loans

*No discounts on the interest rate if an "Auto-Up" Loan

Used Car/Motorcycle/Truck/Classics/Auto-Up*
Effective Date: Sept 1, 2025
Credit ScoreTermAPR
700-800 24 Months 5.300%
  36 Months 5.550%
  48 Months 5.800%
  60 Months 6.050%
  72 Months 6.300%
  84 Months 6.900%
620-699 24 Months 5.550%
  36 Months 6.050%
  48 Months 6.250%
  60 Months 6.300%
  72 Months 6.800%
  84 Months 7.400%
580-619 24 Months 5.800%
  36 Months 6.550%
  48 Months 7.050%
  60 Months 7.300%
  72 Months 7.800%
  84 Months 8.400%

APR=Annual Percentage Rate

10% down payment may be required on 84 months loans

*No discounts on the interest rate if an "Auto-Up" Loan

2024-2025 New Watercraft/Recreational
Effective Date: Oct 1, 2025
Excluding Motorhomes (RVs)
Credit ScoreTermAPR
700-800 36 Months 6.250%
  48 Months 6.500%
  60 Months 6.750%
  72 Months 7.000%
  84 Months 7.250%
620-699 36 Months 6.500%
  48 Months 6.750%
  60 Months 7.000%
  72 Months 7.250%
  84 Months 7.350%
580-619 36 Months 7.250%
  48 Months 7.750%
  60 Months 8.250%
  72 Months 8.500%
  84 Months 8.600%
APR=Annual Percentage Rate

Used Watercraft/Recreational
Effective Date: Oct 1, 2025
Excluding Motorhomes (RVs)
Credit ScoreTermAPR
700-800 36 Months 6.500%
  48 Months 6.750%
  60 Months 7.000%
  72 Months 7.250%
  84 Months 7.500%
620-699 36 Months 7.000%
  48 Months 7.500%
  60 Months 7.750%
  72 Months 8.000%
  84 Months 8.250%
580-619 36 Months 8.750%
  48 Months 9.250%
  60 Months 9.750%
  72 Months 10.250%
  84 Months 10.500%

APR=Annual Percentage Rate

Maximum Loan Amount Not To Exceed NADA Retail Value or Appraised Value

2024-2025 New Motorhomes (RVs)
Effective Date: Oct 1, 2025
Finance up to 70% of the Purchase Price
Credit ScoreTermAPR
700-800 36 Months 6.250%
  48 Months 6.500%
  60 Months 6.750%
  72 Months 7.250%
  84 Months 7.750%
620-699 36 Months 6.750%
  48 Months 7.250%
  60 Months 7.500%
  72 Months 7.750%
  84 Months 8.250%
580-619 36 Months 8.250%
  48 Months 8.750%
  60 Months 9.000%
  72 Months 9.250%
  84 Months 9.500%
Balloon Minimum $15,000
700-800 3 Year Balloon 5.500%
  5 Year Balloon 6.000%
620-699 3 Year Balloon 6.000%
  5 Year Balloon 6.500%
580-619 3 Year Balloon 6.750%
  5 Year Balloon 7.000%
APR=Annual Percentage Rate

Previously Owned Motorhomes (RVs)
Effective Date: Oct 1, 2025
Maximum loan amount not to exceed 70% of JD Power retail value or appraised value
Credit ScoreTermAPR
700-800 36 Months 6.250%
  48 Months 6.500%
  60 Months 6.750%
  72 Months 7.250%
  84 Months 7.750%
620-699 36 Months 6.750%
  48 Months 7.250%
  60 Months 7.500%
  72 Months 7.750%
  84 Months 8.250%
580-619 36 Months 8.250%
  48 Months 8.750%
  60 Months 9.000%
  72 Months 9.250%
  84 Months 9.500%
Balloon Minimum $15,000
700-800 3 Year Balloon 5.500%
  5 Year Balloon 6.000%
620-699 3 Year Balloon 6.000%
  5 Year Balloon 6.500%
580-619 3 Year Balloon 6.750%
  5 Year Balloon 7.000%
APR=Annual Percentage Rate

Member Signature Loans
Effective Date: Sept 1, 2025
TermCredit ScoreAPR
12-120 Months 700-800 9.500%
  620-699 10.500%
  580-619 11.500%

All Other Secured Loans
Effective Date: Oct 1, 2025
Credit ScoreTermAPR
700-800 36 Months 6.250%
  48 Months 6.750%
  60 Months 7.500%
  72 Months 7.750%
  84 Months 8.500%
620-699 36 Months 6.750%
  48 Months 7.500%
  60 Months 8.000%
  72 Months 9.000%
  84 Months 9.750%
580-619 36 Months 7.250%
  48 Months 7.750%
  60 Months 8.250%
  72 Months 9.750%
  84 Months 10.250%
APR=Annual Percentage Rate

Payback Pro
Effective Date: Oct 1, 2025
Payback Pro Loan - Fully Secured with home, vehicle, etc.
TypeTermAPR
Up to $9,999 96 Month AM 3 Year 6.500%
  5 Year 7.250%
  7 Year 8.500%
$10,000 to $39,999 180 Month AM 3 Year 7.250%
  5 Year 8.250%
  7 Year 9.250%
$40,000 to $50,000 240 Month AM 3 Year 7.500%
  5 Year 8.500%
  7 Year 9.500%
APR=Annual Percentage Rate

Certificates & IRA Certificates of Deposit
Effective Date: Nov 14, 2025
Minimum Balance to open: $1,000.00
MonthsAPRAPY
$1,000 to $49,999
6 3.800% 3.854%
12 3.750% 3.803%
18 3.650% 3.700%
24 3.600% 3.649%
30 3.550% 3.598%
36 3.500% 3.546%
48 3.450% 3.495%
60 3.400% 3.444%
$50,000 and above
6 3.900% 3.957%
12 3.850% 3.906%
18 3.750% 3.803%
24 3.700% 3.752%
30 3.650% 3.700%
36 3.600% 3.649%
48 3.550% 3.598%
60 3.500% 3.546%
Rates are subject to change at anytime. Dividends on certificates of deposit are compounded quarterly and paid quarterly. A penalty may be imposed for early withdrawals. Fees may reduce earnings on accounts. Contact us for answers to questions.

Youth Certificates of Deposit
Effective Date: Sept 18, 2025
Minimum Balance to open: $300.00 Additional Deposits of a minimum of $100 are allowed
MonthsAPRAPY
6 1.500% 1.508%
12 1.600% 1.610%
18 1.700% 1.711%
24 1.800% 1.812%
36 1.900% 1.914%
48 2.000% 2.015%
60 2.100% 2.117%
Rates are subject to change at anytime. Dividends on certificates of deposit are compounded quarterly and paid quarterly or monthly. A penalty may be imposed for early withdrawals. Fees may reduce earnings on accounts. Contact us for answers to questions.

Diamond Money Fund
Effective Date: Oct 1, 2025
Dollar AmountAPRAPY
$5,000 to $14,999 1.500% 1.510%
$15,000 to $24,999 1.600% 1.612%
$25,000 to $49,999 1.700% 1.713%
$50,000 to $99,999 1.800% 1.815%
$100,000 and Above 1.900% 1.917%

Compounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00. Contact us for answers to questions.

APR=Annual Percentage Rate

APY=Annual Percentage Yield

Statement Savings
Effective Date: Sept 18, 2025
APRAPYDividendMinimum BalanceMinimum Balance to obtain APY
0.200% 0.200% Compounded/Credited Quarterly $25.00 $50.00

Contact us for answers to questions.

APR=Annual Percentage Rate

APY = Annual Percentage Yield

Share Draft/Checking
Effective Date: Sept 18, 2025
APRAPYDividendMinimum BalanceMinimum Balance to obtain APY
0.050% 0.050% Compounded/Credited Quarterly None $250.00

Contact us for answers to questions.

APR=Annual Percentage Rate

APY=Annual Percentage Yield

Kids Club
Effective Date: Sept 18, 2025
APRAPYDividendMinimum BalanceMinimum Balance to obtain APY
0.200% 0.200% Compounded/Credited Quarterly $5.00 $5.00

Contact us for answers to questions.

APR=Annual Percentage Rate

APY=Annual Percentage Yield

Club Accounts
Effective Date: Sept 18, 2025
APRAPYDividendMinimum BalanceMinimum Balance to obtain APY
0.200% 0.200% Compounded/Credited Quarterly None $50.00

Contact us for answers to questions.

APR=Annual Percentage Rate

APY=Annual Percentage Yield

Christmas Club
Effective Date: Sept 18, 2025
APRAPYDividendMinimum BalanceMinimum Balance to obtain APY
0.200% 0.200% Compounded/Credited Quarterly None $50.00

Contact us for answers to questions.

APR=Annual Percentage Rate

APY=Annual Percentage Yield

Health Savings Accounts
Effective Date: Sept 18, 2025
APRAPYDividendMinimum BalanceMinimum Balance to obtain APY
0.200% 0.200% Compounded/Credited Quarterly None $50.00

Contact us for answers to questions.

APR=Annual Percentage Rate

APY=Annual Percentage Yield

Individual Retirement Savings, Roth, Roth Conversion & Education IRAs
Effective Date: Sept 18, 2025
APRAPYDividendMinimum BalanceMinimum Balance to obtain APY
0.200% 0.200% Compounded/Credited Quarterly None $50.00

Contact us for answers to questions.

APR=Annual Percentage Rate

APY=Annual Percentage Yield

Money Management
Effective Date: Oct 1, 2025
Dollar AmountAPRAPY
$2,500 to $4,999 1.000% 1.005%
$5,000 to $14,999 1.500% 1.510%
$15,000 and Above 1.600% 1.612%

Compounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00. Contact us for answers to questions.

APR=Annual Percentage Rate

APY=Annual Percentage Yield

Business Savings
Effective Date: Sept 18, 2025
APRAPYDividendMinimum BalanceMinimum Balance to obtain APY
0.200% 0.200% Compounded/Credited Quarterly $25.00 $50.00

Contact us for answers to questions.

APR=Annual Percentage Rate

APY = Annual Percentage Yield

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