--- title: "Cedar Falls Community Credit Union Rates: Auto 5.29%, CDs to 4.25%" description: "Cedar Falls Community Credit Union has the lowest tracked used-car loan rate in Iowa (5.29% APR) among 5 credit unions we verify. Cedar Falls Community Credit Union rates today: mortgage 6.88% APR, auto loans from 5.29% APR, savings & CDs up to 4.25% APY, personal loans from 9.00% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Cedar Falls Community Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/iowa/cedar-falls-community" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Cedar Falls Community Credit Union Rates: Auto 5.29%, CDs to 4.25% ### Mortgage rates 4 offers | Product | Published | Rate | Term / condition | Status | | **5-Year Balloon** other | — APR | 6.500% | — | Standard | | **10-Year Balloon** other | — APR | 6.875% | — | Standard | | **7-Year Balloon** other | 6.875% APR | 6.750% | — | Standard | | **1 Year Construction Loan** other | 6.875% APR | 6.750% | — | Standard | Cedar Falls Community Credit Union mortgage rates as of November 13, 2026 ### Auto & vehicle rates 11 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 4.990% | — | Standard | | **48-Month New Auto Loan** auto_new_48mo | — APR | 4.990% | 48 mo · new | Standard | | **48-Month Used Auto Loan** auto_used_48mo | — APR | 5.090% | 48 mo · used | Standard | | **48-Month Used Auto Loan (2022)** auto_used_48mo | — APR | 5.190% | 48 mo · used | Standard | | **Used Auto Loan** auto_used | 5.290% APR | 5.290% | used | Standard | | **48-Month Used Auto Loan (2021)** auto_used_48mo | — APR | 5.290% | 48 mo · used | Standard | | **48-Month Used Auto Loan (2020)** auto_used_48mo | — APR | 5.390% | 48 mo · used | Standard | | **48-Month Used Auto Loan (2019)** auto_used_48mo | — APR | 5.490% | 48 mo · used | Standard | | **60-Month Used Auto Loan** auto_used_60mo | — APR | 5.590% | 60 mo · used | Standard | | **36-Month Used Auto Loan (2018)** auto_used_36mo | — APR | 5.590% | 36 mo · used | Standard | | **36-Month Used Auto Loan (2017)** auto_used_36mo | — APR | 5.690% | 36 mo · used | Standard | Cedar Falls Community Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Home Equity Loans Closed End** heloc_fixed | — APR | 5.890% | — | Standard | | **Open End HELOC** heloc_variable | — APR | 6.500% | — | Standard | Cedar Falls Community Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 6.500% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | 9.000% APR | 9.000% | — | Standard | Cedar Falls Community Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 6.500% | — | Standard | Cedar Falls Community Credit Union credit card rates as of November 13, 2026 ### Savings & CD rates 10 offers | Product | Published | Rate | Term / condition | Status | | **Share Draft (Checking)** checking | 0.05% APY | 0.05% | — | Standard | | **Savings** share_savings | 0.10% APY | 0.10% | — | Standard | | **Secondary Savings** savings | 0.20% APY | 0.20% | — | Standard | | **DID Account** savings | 0.25% APY | 0.25% | — | Standard | | **Education Ira Shares** ira | 0.25% APY | 0.25% | — | Standard | | **Health savings account** savings | 0.40% APY | 0.40% | — | Standard | | **Super Money Market** money_market | 3.00% APY | 2.96% | — | Standard | | **Youth Certificate** cd | 4.00% APY | 3.94% | — | Eligibility restricted | | **Certificate** share_certificate | 4.15% APY | 4.09% | — | Standard | | **JUMBO Certificate** cd | 4.25% APY | 4.18% | — | Standard | Cedar Falls Community Credit Union savings & cd rates as of November 13, 2026 As of November 13, 2026, Cedar Falls Community Credit Union offers mortgage rates from 6.875% APR. Auto loans available from 5.29% APR. Personal loan rates from 9% APR. Savings and certificate yields up to 4.25% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/iowa/cedar-falls-community) , verified from [Cedar Falls Community Credit Union's official website](https://cfccu.org/) Best product position **#1 of 5** used-car loan Gap to state best **0 bp** State market leader Vs. state median **70 bp better than median** used-car loan Products ranked **2** across tracked Iowa markets | Product | Published APR | Position | Vs. state best | Vs. state median | | used-car loan | 5.29% | #1 of 5 · lowest in Iowa | State market leader | 70 bp better than median | | personal loan | 9.00% | #1 of 15 · lowest in Iowa | State market leader | 190 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Cedar Falls Community Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=cedar-falls-community&state=iowa&code=IA&name=Cedar%20Falls%20Community%20Credit%20Union) Loading branch locator… ## About Cedar Falls Community Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 8.9K Assets $242.7M Founded 1958 Locations reported 3 NCUA charter 65565 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial education - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Collins Community** Winterberry Dr Branch · Cedar Falls · IA · 50613 Branch in the same ZIP](https://rateapi.dev/credit-unions/iowa/collins-community) [**Veridian** Thunder Ridge · Cedar Falls · IA · 50613-1880 About 0.9 miles away](https://rateapi.dev/credit-unions/iowa/veridian) [**Unite** Unite Credit Union · Cedar Falls · IA · 50613 About 2.0 miles away](https://rateapi.dev/credit-unions/iowa/unite) [**Dupaco Community** Cedar Falls Learning Lab · Cedar Falls · IA · 50613 About 3.8 miles away](https://rateapi.dev/credit-unions/iowa/dupaco-community) [**Greenstate** Cedar Falls · Cedar Falls · IA · 50613 About 4.1 miles away](https://rateapi.dev/credit-unions/iowa/greenstate) [**Empeople** Waterloo Engine Works · Waterloo · IA · 50701-9010 About 5.2 miles away](https://rateapi.dev/credit-unions/illinois/empeople) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Cedar Falls Community Credit Union Membership eligibility from Cedar Falls Community Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Cedar Falls Community Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Cedar Falls Community Credit Union's membership page](https://cfccu.org/join/) . Final membership determination is always made by the credit union. ## Membership rules for Cedar Falls Community Credit Union Family 1 published path to membership, last verified August 22, 2026, quoted from Cedar Falls Community Credit Union’s own published criteria. ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 22, 2026 - Family of a member immediate family “You can also join if you have someone in your immediate family who is a member of the Credit Union.” > [source ↗](https://cfccu.org/join/) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Cedar Falls Community Credit Union? Yes No ## Work at Cedar Falls Community Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Cedar Falls Community Credit Union ranks against Iowa peers. - See which AI assistants fetched Cedar Falls Community Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Iowa - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=cedar-falls-community&state=iowa&code=IA&name=Cedar%20Falls%20Community%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Cedar Falls Community Credit Union offer? Cedar Falls Community Credit Union currently offers mortgage, Auto loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Cedar Falls Community Credit Union rates updated? RateAPI verifies Cedar Falls Community Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Cedar Falls Community Credit Union's rate data? Rate data is collected directly from Cedar Falls Community Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Cedar Falls Community Credit Union's mortgage rate? As of November 13, 2026, Cedar Falls Community Credit Union offers mortgage rates from 6.875% APR. ### What are Cedar Falls Community Credit Union's auto loan rates? As of November 13, 2026, Cedar Falls Community Credit Union offers auto loans from 5.29% APR. ### What is Cedar Falls Community Credit Union's personal loan rate? As of November 13, 2026, Cedar Falls Community Credit Union offers personal loans from 9% APR. ### What is Cedar Falls Community Credit Union's best CD rate? As of November 13, 2026, Cedar Falls Community Credit Union offers savings and certificate (CD) yields up to 4.25% APY. ### Who can join Cedar Falls Community Credit Union? Cedar Falls Community Credit Union publishes its membership criteria on its own website. RateAPI tracks 1 published membership path for Cedar Falls Community Credit Union, each quoted from Cedar Falls Community Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Cedar Falls Community Credit Union's rates against national credit-union benchmarks. [More Iowa credit unions](https://rateapi.dev/credit-unions/iowa) [Iowa mortgage rate leaders](https://rateapi.dev/mortgage-rates/iowa) [Iowa auto loan rate leaders](https://rateapi.dev/auto-loan-rates/iowa) [Iowa HELOC rate leaders](https://rateapi.dev/heloc-rates/iowa) [Iowa personal loan leaders](https://rateapi.dev/personal-loan-rates/iowa) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://cfccu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Cedar Falls Community Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Iowa credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Cedar Falls Community Credit Union curl "https://api.rateapi.dev/credit-unions/iowa /cedar-falls-community " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Cedar Falls Community Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/iowa/cedar-falls-community Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp