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Get up to an additional 0.5% off any secured loan rates up to 73 months
(excluding real estate & share secured) as a Premiere Member. Call us for details.

At CORE Federal Credit Union, our goal is to help as many members as possible to obtain the credit they deserve! The rates shown here are our very best, available to those with excellent credit. Loan rates are based on each applicant’s credit history and many vary from those shown below.

Rates As Of 4/22/2014
Loan Type Terms As Low As APR*
Home Equity Choice Line of Credit**
Draws available up
to 180 months
Prime - 0.51%
Variable Rate
Home Equity Choice Line of Credit Promotional Variable Rate
First 6 Months 0.99%
For new lines only.
HELOC
12 - 36 Months
2.24%
Choice Line of Credit Fixed Rate 37 - 60 Months 2.74%
  61 - 84 Months 3.74%
  85 - 120 Months 4.39%
  121 - 180 Months 4.99%
Fixed rate advances or Closed-end fixed rate. Minimum loan amounts apply. See Home Equity Disclosure for details. *Fixed rates quoted are promotional rates.
High Value Equity Loan
12 - 60 Months
($1,000 minimum)
5.49%
  61 - 84 Months
($5,000 minimum)
6.24%
  85 - 120 Months
($7,500 minimum)
6.74%
  121 – 144 Months
($15,000 minimum)
6.99%
$30,000 maximum. Up to 100% of home value.
High Value Equity L.O.C. Draws available up to 180 months Prime - 0.01%
$30,000 maximum. Up to 100% of home value.
Home Improvement - Unsecured 12 - 36 Months 4.99%
  37 - 48 Months 5.49%
  49 - 60 Months 5.99%
  72 Months 6.49%
$15,000 maximum.
New Autos - 2013 & 2014 Models 12 to 36 Months 2.49%
  37 to 48 Months 2.74%
  49 to 60 Months 2.99%
  61 to 72 Months 3.49%
Used Autos - 2010 through 2013 12 to 36 Months 2.49%
  37 to 48 Months 3.24%
  49 to 60 Months 3.49%
2008 through 2009 12 to 36 Months 5.24%
  37 to 48 Months 5.74%
  49 to 60 Months 6.24%
2007 & Older 12 to 24 Months 7.24%
  25 to 36 Months 7.49%
Other Secured Loans - New & Used 12 to 36 Months
4.49%
  37 to 60 Months 4.74%
Motorcycle Loans 12 to 36 Months 2.74%
  37 to 60 Months 3.24%
New Boats & Motor Homes 12 to 60 Months 4.74%
  61 to 120 Months 5.74%
Used Boats & Motor Homes 12 to 60 Months 4.99%
  61 to 120 Months 6.24%
Share Pledged 3% above share rate 4.75% min.
CD Pledged 3% above CD rate 5.00% min.
Signature Loans 12 to 36 Months 7.99%
  37 to 60 Months 8.99%
$15,000 maximum. ($5,000 minimum for terms over 36 months)
College/Grad School 12 to 36 Months 4.99%
  37 to 60 Months 6.49%
$1000 min,$15,000 max. (Proceeds payable to school)
College/Grad School In-School grad + 6 months 5.74 - 7.74%
Variable rate interest only student loan.
Fixed Rate Student Loan
12 – 60 Months
($75 minimum pmt)
5.99 - 7.99%
  61 – 84 Months
($5,000 minimum)
6.24 - 8.24%
  85 – 119 Months
($5,000 minimum)
6.74 - 8.74%
  120 - 144 Months
($10,000 minimum)
6.99 - 8.99%
 
Debt Consolidation 12 to 36 Months 9.99%
  37 to 60 Months 10.99%
Overdraft Protection Revolving 15.50%
Line Of Credit Revolving 15.50%
Computer Loan Special Up to 12 Months 3.49%
  13 to 24 Months 4.49%
  25 to 36 Months 5.49%
  • *APR means Annual Percentage Rate.
  • The home equity choice line-of-credit has both variable & fixed rate** features. Please see our home equity page for details & disclosures.
  • Some loans qualify for rate reductions under our 'Premier Member Discount' program
  • All loans subject to credit approval
  • Rates subject to change without notice
  • Other conditions may apply
  • $1,000 minimum loan amount for installment loan, with some higher minimums, depending on loan type, dollar amount and term

For Example, a new auto loan for $10,000 for a 5 year term at a fixed rate of 2.99% APR would yield a monthly payment of $179.65. A security interest in the vehicle, or any other collateral taken for secured loans, would be taken by the credit union. Insurance may be required covering collateral pledged to secure a loan and the value of the collateral should equal or exceed the loan amount. Rates and payments for all consumer loans may vary based upon the loan type, term selected and amount borrowed. All loans are subject to credit approval. Rates and terms are subject to change without notice. Other conditions may apply. Contact the credit union for details.

 
Telephone: (315) 656-8220
Fax: (315) 656-9389
Toll Free: 1-877-479-2042
For Information If Your VISA
Debit Card Has Been Lost/Stolen:

1-800-472-3272
For Information If Your VISA
Credit Card Has Been Lost/Stolen:

1-800-872-1712

All Rights Reserved.
This credit union is federally insured by the National Credit Union Administration.
   
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