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First Education Federal Credit Union

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  • NMLS ID: 412552
  • Routing Number: 307086617
  • Phone Number: 307-432-7400
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Current Rates – Loans Banner

Current Rates – Loans

Pay off your loan faster with the First Education Flex Loan! Click to find out how it works.

Did you know? Most loans qualify for a relationship discount! If you have an active checking account or active credit card with First Education or have your loan paid automatically, you may qualify for a 0.50% APR discount. Ask for details!

Personal LoansAPR*Loan Term**
Closed-End/Lines of Credit8.99%-16.99% APR*12-60 Months
Debt Consolidation Loans9.99%-16.99% APR*60-84 Months
Auto LoansAPR*Loan Term**
New Vehicles2.89%-14.99% APR*48-84 Months
Used Vehicles3.39%-15.99% APR*48-84 Months
Recreational Vehicles3.99%-16.49% APR*48-120 Months
Home LoansAPR*Loan Term**
Home Equity Loans***As low as 5.25%Contact Credit Union
First MortgageContact Credit UnionTerms up to 180 Months
Fixed Rate Second MortgageContact Credit UnionTerms up to 180 Months
Credit CardsAPR*Grace Period for PurchasesMinimum Finance ChargeAnnual FeeMethod of Computing Balance for Purchases
Visa Classic10.99% to 16.99%25 Days$0.01NoneAverage Daily Balance (Including new purchases)
Visa Platinum8.99% to 16.99%25 Days$0.01None Average Daily Balance (Including new purchases)

Other Credit Card Fees:
Transaction Fee for Purchases: $0.00
Cash Advance Fee: $0.00
Late Payment Fee: $20.00
Over Credit Limit Fee: $0.00
Cash Advance APR: Purchase APR
Foreign Transaction Fee: 1.00% of transaction amount

* Annual Percentage Rate. Your credit rating, collateral value, and loan term are used to determine your final rate.
** The longest term does not always qualify for the lowest rate.
*** Variable rate tied to Prime as published in the Wall Street Journal on the first business day of each month. Floor rate is 5.00% APR. Maximum rate is 18.00% APR.

All rates are subject to change without notice. For current rates, call (307) 432-­7400.

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To get started on your loan, call us at 307-432-7400, visit us in Cheyenne, or click below to apply online.

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  • NMLS ID: 412552
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©2021 First Education Federal Credit Union. All rights reserved.
Site by West Edge Collective.

Equal Housing Lender NCUA

Business Hours

Lobby

Monday – Friday
8:30 am – 5:30 pm

Saturday
Closed

Closed Sundays & Federal Holidays

Drive-Up

Monday – Friday
7:30am – 5:30pm

Saturday
9:00am – Noon

Branch Location

120 W. Carlson St.
Cheyenne, WY

Mailing Address

PO Box 20030
Cheyenne, WY
82003-7000

Phone Numbers

307-432-7400
800-584-9366

Email

ms@firstedfcu.com

Text – SMS

307-432-7400