Overview of Lending Services

To support the financial security of our members, Canandaigua FCU offers low rates and individualized terms for our borrowers, whether they are buying a home or taking out a personal loan.

• All members must meet credit criteria as established by policy.
• All loan applications must be signed and accompanied by a verification of income.
• Loans should be repaid through payroll deduction so that you will always remain a member in good standing.
• Loan rates vary depending on the type of loan and change frequently. You can see tables of current loan rates at our Interest Rates Page. 

Full-service members receive 1/2% discount on loan rates and 1/4% higher rates on share certificates. To meet these requirements, you need to have a savings account, a share draft account, VISA, and debit card. The interest rate on loans is dependent on credit score.

Available Products

VISA® Card

• No Annual Fee
• Excluded from Life Insurance
• Excluded from Full-Service Discount 

New Vehicles Loans

Up to 84 months 

Pre-owned Vehicles

Up to 84 months
(Credit Unions discretion) 

Boat, RV, & Trailer Loans

Up to 180 months 

Personal Loan

12, 24, 36, 48, 60 months 

Education Loan

Up to 120 months 

Home Improvement Loan

Up to 120 Months