Loans
Kraftman Federal Credit Union provides loans for the things you need.
Auto Loans
Home Loans
Land Loans
Signature Loans
CD or Share Secured Loans
Visa Platinum Credit Card
Rates
Effective August 1, 2023
APR is based on amount financed, length of loan, and member’s credit score. All loans are subject to credit approval.
Member Rewards - Our rewards program lets you earn points towards a rate reduction. Not all loan types included in rewards program. See a KFCU loan officer for more details.
| Type | Age of Collateral | APR* |
|---|---|---|
| New Auto | 4.25% | |
| Used Auto | 1-3 Years Old | 5.00% |
| Used Auto | 4,5,6 Years Old | 6.00% |
| Used Auto | 7 Years and Older | 7.00% |
| New Boat Rigs | 4.75% | |
| Used Boat Rigs | 1-2 Years Old | 5.50% |
| Used Boat Rigs | 3 Years and Up | 6.50% |
| New Tractors | 4.75% | |
| Used Tractors | 1-3 Years Old | 5.50% |
| Used Tractors | 4 Years or Older | 6.50% |
| New Motor Homes | 1-2 Years Old | 4.75% |
| Used Motor Homes | 3 Years Old and Up | 6.25% |
| New Travel Trailers | 5.25% | |
| Used Travel Trailers | 1-4 Years Old | 7.00% |
| Used Travel Trailers | 5 Years and Up | 8.00% |
| New 4-Wheelers, Motorcycles, ETC | 4.75% | |
| Used 4-Wheelers, Motorcycles, ETC | 6.50% | |
| New Mowers & Trailers Above $2,500 | 4.50% | |
| Household Goods | New Only, Up to 36 Months | 9.99% |
| Real Estate, Primary Residence | 1st Mortgage | 5.90% |
| Real Estate, Primary Residence | 2nd Mortgage | 8.90% |
| Real Estate, Second Home, Non-Rental | 7.90% | |
| Real Estate, Lots, Or Acreage | 6.90% | |
| Mobile Home/Land Combination | 85% of Appraised Value | 7.90% |
| Signature Loans | 8.90% | |
| VISA Cards | Based on Individual Credit | 9.90% |
| Share Secured | Up to 120 Months | Share Rate + 3% (Variable) |
| CD Secured | Maturity Date of CD | CD Rate + 2% (Fixed) |
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.