*APR = Annual Percentage Rate. Rates shown are the best available, require automatic payments, are based on credit history, and subject to change without notice. Loans requested for more than 85% of collateral value may be subject to a higher rate of interest. Members refinancing existing Christian Financial Credit Union loans are subject to a higher rate of interest. Please see a CFCU Financial Service Representative for full details.For example, for a loan of $35,000 at 120 months with an interest rate of 3.99% APR, the payment will be $354.19. **Loan must be current (cannot be delinquent) to qualify for free annual Skip a Payment. Recreational vehicles only. Excludes loans written to covered borrowers under the Military Lending Act. The skipped payment will be added to the end of the loan and will extend the maturity date of the loan. If a scheduled payment for the loan has been set up through Online Banking or initiated by the member at another financial institution, the member is responsible for canceling the scheduled payment. Eligible loans may skip only one payment per calendar year. Recreational Vehicles that skip a payment are not eligible for the Holiday Skip a Payment program. Members refinancing existing Christian Financial Credit Union loans are subject to a higher rate of interest.