| New & Used Vehicles |
| Effective Date: Monday, September 15th, 2025 |
| Maximum Term | Credit Score | Rate with 0% Down |
| New & Used Vehicle |
| Term Based on Loan Amount - Up to 84 Months |
800+ |
4.75% |
| |
750-799 |
4.75% |
| |
700-749 |
5.75% |
| |
650-699 |
6.75% |
| |
649- |
7.75% |
| All rates are subject to change without prior notice. These rates replace previously dated rates. These rates are for Circle Federal Credit Union members only. Membership required. Must qualify for Membership. Federally Insured by the NCUA up to $250,000. Equal Opportunity Lender. |
| Smart Start Auto Loan Program |
| Effective Date: Monday, September 15th, 2025 |
| Maximum Term | Credit Score | Interest Rate and APR |
| Up to 48 Months (4 Years) |
N/A |
9.00% |
| No co-signer is required if criteria is met: maximum loan amount $15,000, 20% down required (based on the purchase price plus tax and title fees), and must be a member for at least 2 years. |
| All rates are subject to change without prior notice. These rates replace previously dated rates. These rates are for Circle Federal Credit Union members only. Membership required. Must qualify for Membership. Federally Insured by the NCUA up to $250,000. Equal Opportunity Lender. |
| Adventure Loans |
| Effective Date: Monday, September 15th, 2025 |
| Maximum Term | Credit Score | Rate with 0% Down |
| An Adventure Loan includes Motorcycles, Snowmobiles, ATVs, UTVs, Jet Skis, Small Watercraft, Boats, RVs & Other Secured |
| Adventure Loan |
| Term Based on Loan Amount - Max Term of 180 Months |
800+ |
7.50% |
| |
750-799 |
8.00% |
| |
700-749 |
8.50% |
| |
650-699 |
9.50% |
| |
649- |
11.00% |
| All rates are subject to change without prior notice. These rates replace previously dated rates. These rates are for Circle Federal Credit Union members only. Membership required. Must qualify for Membership. Federally Insured by the NCUA up to $250,000. Equal Opportunity Lender. |
| Share Savings Secured Loans |
| Effective Date: Monday, September 15th, 2025 |
| APR | Maximum Term |
| 4.00% |
MAX TERM 120 MONTHS (10 YEARS) |
| Minimum age requirement is 12 years old (with qualified co-borrower of legal age) |
| All rates are subject to change without prior notice. These rates replace previously dated rates. These rates are for Circle Federal Credit Union members only. Membership required. Must qualify for Membership. Federally Insured by the NCUA up to $250,000. Equal Opportunity Lender. |
| Share Certificate Secured Loans |
| Effective Date: Monday, September 15th, 2025 |
| APR | Term |
| CD Rate +3% |
Minimum 12 Months |
| Loans secured by CD's must not have a contract term that exceeds CD term. |
| All rates are subject to change without prior notice. These rates replace previously dated rates. These rates are for Circle Federal Credit Union members only. Membership required. Must qualify for Membership. Federally Insured by the NCUA up to $250,000. Equal Opportunity Lender. |
| Unsecured Loans |
| Effective Date: Monday, September 15th, 2025 |
| Maximum Term | Credit Score | Interest Rate and APR |
| Unsecured - Closed End Loan |
| Up to 48 Months (4 years) |
800+ |
10.50% |
| |
750-799 |
12.50% |
| |
700-749 |
13.50% |
| |
650-699 |
14.50% |
| |
649- |
17.50% |
| All rates are subject to change without prior notice. These rates replace previously dated rates. These rates are for Circle Federal Credit Union members only. Membership required. Must qualify for Membership. Federally Insured by the NCUA up to $250,000. Equal Opportunity Lender. |
| Credit Builder Loan |
| Effective Date: Monday, September 15th, 2025 |
| Maximum Term | Amount | Interest Rate and APR |
| Up to 24 Months |
$2,400 |
12.50% |
| All rates are subject to change without prior notice. These rates replace previously dated rates. These rates are for Circle Federal Credit Union members only. Membership required. Must qualify for Membership. Federally Insured by the NCUA up to $250,000. Equal Opportunity Lender. |
| Credit Cards |
| Effective Date: Monday, September 15th, 2025 |
| Maximum Term | Credit Score | Interest Rate and APR |
| Visa Platinum Credit Card |
| Revolving |
800+ |
9.90% |
| |
750-799 |
11.90% |
| |
700-749 |
12.90% |
| |
650-699 |
13.90% |
| |
649- |
16.90% |
| Visa Secured Credit Card |
| Revolving |
N/A |
9.90% |
| Minimum age requirement is 12 years old (with qualified co-borrower of legal age) |
| All rates are subject to change without prior notice. These rates replace previously dated rates. These rates are for Circle Federal Credit Union members only. Membership required. Must qualify for Membership. Federally Insured by the NCUA up to $250,000. Equal Opportunity Lender. |
