Effective as of: 7/01/2017
1st Cooperative FCU will engage in risk based lending in order to assist more of our members during this volatile economic time. Members with credit challenges may qualify for a loan with 1st Cooperative FCU rather than resort to higher cost alternatives. Members with good credit ratings will continue to enjoy the low competitive rates that have always been offered. Members may qualify for a rate based on their individual credit history, among other criteria. Rates range from as low as 1.99% to as high as 18%, depending on the type of loan and the term of the loan. We have listed the rates below for your information; however, it will be necessary to apply for the loan before a final rate can be determined.

Loan TypeAnnual Percentage Rate
Personal Loan8.50% - 18.00%
New Autos2.99% - 14.49%
Used Autos2.99% - 14.49%

If you receive a lower rate quote on new or used auto, call us we may be able to match your rate

New Watercraft4.90% - 16.40%
Used Watercraft4.90% - 16.40%
New Motorcycles4.90% - 16.40%
Used Motorcycles5.90% - 17.40%
New RV / ATV4.90% - 16.40%
Used RV / ATV5.90% - 17.40%
New Farm Equipment8.50% - 18.00%
Used Farm Equipment9.50% - 18.00%
Share Secured2.60%
Certificate Secured2.60% - 3.00%
Line of Credit / Overdraft Protection8.50% - 18.00%
Visa Platinum Credit Card8.50% - 17.00%
Help in a Hurry - your payday loan alternative18.00%

$30.00 minimum payment on all loan advances. Rates are subject to change without prior notice.
a. Minimum Payments on Lines of Credit/Overdraft Protection Loans: Your minimum payment for personal lines of credit or overdraft protection (also a line of credit) shall be $30. Payments are calculated on amount of the credit limit established. Maximum loan amounts are based on credit score and other underwriting criteria.
b, Minimum payments on VISA Platinum Credit Card: Your minimum payment for VISA Platinum Credit Card shall be $25.00. Payments are calculated on 3% of amount owed. Maximum loan amounts are based on credit score and other underwriting criteria.
c. l Other restrictions may apply.
d. Maximum loan amounts based on credit score and other underwriting criteria for all of the above category of loans.

1st Cooperative Federal Credit Union
808 Knox Abbott Drive | Cayce, SC 29033
803.796.0234 | Fax 803.926.3177