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Loan Center!

Loan Options

Applying for a loan is simple and easy! You can apply here using our online application, by accessing your CPM Anytime Online or Mobile Banking, by calling to speak to one of our experienced Lending Agents or visiting your local branch. CPM Federal Credit Union is committed to offering competitively priced loan products to meet a variety of needs.

Previously applied? Log in to our CPM Online Loan Center. You can reapply or check the status of a current pending application.

It’s that easy!

New/Used Auto

As low as 1.49% APR*

Looking for a new or used auto or to refinance an existing loan? We are here to help! Our low rates , flexible terms, flexible financing up to 100% and instant approvals get you in the drivers seat faster!  Learn More

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Boat/RV/5th Wheels

As low as 4.49% APR*

Ready to have some fun? Whether you are craving the open road or open waters, we have recreational loans offering low rates and flexible terms to fit any budget. Apply Here

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Motorcycle/Personal Watercraft/Travel Trailers

As low as 4.99% APR*

Ready to have some fun? Whether you are craving the open road or open waters, we have recreational loans offering low rates and flexible terms to fit any budget. Apply Here

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Personal Loan

As low as 7.99% APR*

The unexpected happens. Projects need funding. Debt needs consolidating. Get the loan you need with low rates and fixed monthly payments fast! Apply Here

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Visa® Credit Cards

As low as 8.25% APR*

Competitive rates. Rewards. Low fees. What more could you ask for from a credit card? Learn more

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MyLine Anytime
Line of Credit

As low as 9.00% APR*

Protection and flexibility are great things. Our MyLine Anytime Line of Credit can protect you against a budgeting or miscalculation oops.  It is available for your checking account or for any expense or purchase. Flexibility letting you borrow anytime for anything. Learn More

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Home Equity

As low as 0.99% introductory rate/4.25% APR after introductory rate*

Looking to remodel? Take that dream vacation? Pay for college expenses? A Home Equity Line of Credit is a flexible and affordable way to use your home’s equity for some of life’s largest expenses. Learn More

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Mortgages to Fit Every Need!

You are taking the first step on your mortgage journey. Whether you are buying your first home, finding a new home or looking to refinance, we are here to take every step with you. Learn More

Savings Secured/Certificate Secured

As low as 5.99% APR*

A great way to build or rebuild your credit score with great rates and flexible terms and it uses the funds you already have on deposit with CPM! Apply Today

Seasonal

Lifeline Program

Skip a Pay (when available)

Summer Loan Special*

Holiday Loan (when available)

Hometown Heroes*

Member Loyalty Discount

Your decision to bank with us means a lot. At CPM Federal Credit Union, we appreciate our members and their loyalty. As a way to thank our members for their continued membership, our tenured members are celebrated with an applicable loan rate discount*.

Members will receive .10 basis point or .10% discount for 5 or more years of membership . Members with 10 or more years of membership will receive a discount of .20 basis points or .20%.

Debt Protection

CPM offers several options to preserve the standard of living you worked so hard to achieve. With options including involuntary unemployment, let us make your payments! Ask us how.

*APR - Annual Percentage Rate. Membership rules and restrictions apply.
Auto Loans - Membership rules and restrictions apply. Savings based on $25,000 auto loan over 60 months, CPM FCU rates outperform
the South Carolina average earning a Datatrac Great Rate Award™. Actual rate, terms and conditions may vary and are subject to change and will be based on credit worthiness. New auto loan rates as low as 1.49% APR for 36 months. Used auto loan rates as low as 1.74% APR for 36 months. 2Interest begins accruing at disbursed date of loan. Not all borrowers will qualify for deferred payments. Must begin repayment of loan 90 days after loan effective date. For a $15,000 vehicle loan at 3.74% APR and a payment term of 60 months, your monthly payment will be $275.00.  This amount does not include optional vehicle protection coverage. For a $30,000 vehicle loan at 5.74% APR and a payment term of 84 months, your monthly payment will be $435.00. This amount does not include optional vehicle protection coverage.
Boat/RV/Motorcycle/Personal Watercraft/Travel Trailers - New vehicles are either current or previous year auto with less than 12,000 miles. Rates listed are best available based on approved credit; actual rate offered may be higher depending upon applicant credit rating and other underwriting factors.
Personal Loans - Not all borrowers will qualify for extended term. Rate will never exceed 18.00% APR. As Low As rates listed are our best rates based on approved credit; actual rate offered may be higher depending upon applicant's credit rating and other underwriting factors.
MyLine Anytime Line of Credit - Subject to terms and conditions. Rates and terms based on credit approval.
Visa Credit Cards - Please review our New Account Credit Card Agreement. Cards are subject to credit approval. CPM Federal Credit Union reserves the right to change any of the above credit card rates at any time. The APR will vary with the market based on the Prime Rate. **Visa Share secured loans must be secured by CPM subshare account. The required pledge amount will be $100.00 greater than the Visa limit requested. Minimum required Visa limit of $400.00.
Home Equity - Terms and conditions subject to change without notice. Offer subject to credit approval, not all borrowers will qualify. Rates depend on LTV, lien position, and credit score. The offer is limited to currently occupied, single-family dwellings and is not valid for rental properties, mobile homes or residential lots. Prime rate = WSJ rate currently 3.25%.
Savings Secured/Certificate Secured - Rates listed are our best rates based on approved credit; actual rate offered may be higher depending upon applicant's credit rating and other underwriting factors.
Member Loyalty Discount -
Usual credit criteria apply. Discount is available when you apply and close a closed end consumer loan such as a personal, auto, boat, motorcycle, or other closed end consumer loan. Discount does not apply to Visa, Home Equity Lines of Credit, MyLines, internal refinances of CPM debt or CPM Mortgages. Discount will be based on your membership date and cannot fall below the published AFR.  Rates and offers are subject to change and cannot be combined with other offers. Contact CPM for more information.
Summer Loan Special - APR- Annual Percentage Rate. Loans and actual rate are subject to credit approval and qualification, some restrictions may apply. Membership rules and restriction may apply. Limited time offer. Terms and conditions subject to change without notice. Actual payment may vary. For example a loan for $10,000.00 at an interest rate of 10.50% APR will result in a monthly payment of $215.14 for 60 months. Offer expires July 31, 2021.

All advertised rates are subject to change without notice.