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Loan Rates

At Crayola LLC Employees Federal Credit Union, affordable, convenient credit is one of the chief benefits of membership. Our Loan Department is staffed by professional loan officers who are committed to offering you the best rates, the fastest service and the most convenient selection of loan options you will find anywhere. Please call for full details on any loan and to discuss any of your borrowing needs.

Rates Effective as of 6/17/2026

Mortgage Loans (15 Years)

Mortgage Loans (20 Years)

Mortgage Loans (25 Years)

NMLS #458064

Pricing Adjustments: Payroll Deduction: -0.25%

* Must meet disposable income requirements AND credit score.
Disposable Income = monthly gross income – monthly debts
Minimum Disposable: $900/month 1-2 person family + $250/month for each additional person

Home Equity Loans (5 Years)

Home Equity Loans (10 Years)

Pricing Adjustments: Payroll Deduction: -0.25%

* Must meet disposable income requirements AND credit score.
Disposable Income = monthly gross income – monthly debts
Minimum Disposable: $900/month 1-2 person family + $250/month for each additional person

Motorcycle Loans (5 Year Term)

100% MSRP for New – Never Titled
85% NADA for Used up to 6 Years Old
75% NADA for Used 6 Years and Older

Recreational Vehicle Loans (5 Year Term)

Mainly Trailers / Campers. MUST BE TITLED BY THE DEPARTMENT OF TRANSPORTATION.

Unsecured Loans (Up to 5 Years Term)

Pricing Adjustments: Payroll Deduction: -0.25%

Share Secured Loans

1% APR

New Vehicles – Never Titled

100% MSRP

Used Vehicles – Up to 3 Years Old

90% NADA Retail for Credit Scores 700 or higher
85% NADA Retail for Credit Scores 575 – 699
65% NADA Retail for R, W, or S Titles
6 Year Term for 2 years old or less only

Used Vehicles – 4 to 6 Years Old

90% NADA Retail for Credit Scores 700 or higher
85% NADA Retail for Credit Scores 575 – 699
65% NADA Retail for R, W, or S Titles

Used Vehicles – Older than 6 Years Old

75% NADA Retail Value
65% NADA Retail for R, W, or S Titles

Pricing Adjustments: Payroll Deduction: -0.25% / Autos over 6 years: +0.25%

* Must meet disposable income requirements AND credit score.
Disposable Income = monthly gross income – monthly debts
Minimum Disposable: $900/month 1-2 person family + $250/month for each additional person
APR = Annual Percentage Rate