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Co-op Credit Union

Rates

Here are rates for our Personal & Auto Loans, Real Estate and Agriculture and Business Loans.

Auto & Recreational Vehicle Loans

Model Year Annual Percentage Rate (APR)
New (2018-2017 w/less than 5,000 miles) as low as 2.95%
Used (2017 w/more than 5,000 miles-2014) as low as 2.95%
Used (2013 & Older) as low as 2.95%
Rates are effective October 1, 2018, and are subject to change.
Rates are based on individual creditworthiness, loan-to-value, type and age of collateral and term of loan.

Personal Loans

Loan Type Annual Percentage Rate (APR)
Signature Loans As low as 9.00% APR
KWIK CASH/Overdraft Protection 14.88% APR
MasterCard 11.88% APR
Annual Percentage Rate.
Any personal loans exceeding a term of 72 months carry a 36 month P.O.D. clause.

Mortgage Rates

Loan Term Annual Percentage Rate (APR)
5 Year Payable On Demand* 5.570% APR
3/1 ARM** 3.900% APR
5/1 ARM** 4.200% APR
7/1 ARM** 4.300% APR
10/1 ARM** 4.600% APR
10 Year Fixed Rate 4.250% APR
Fixed Rate (Secondary Market)*** Contact CCU for rates
Home Equity Line of Credit****
4.25% APR with 5-Year Lock (Special)****
Home Construction 3.75% APR
Annual Percentage Rate
Rates are effective September 26, 2018, and are subject to change
*The APR within the range listed depends on the term of the loan. See real estate loan officer or assistant for additional information and costs involved.
**Adjustable Rate Mortgage
***Rates are subject to change more than once daily; see real estate loan officer or assistant for current rate and closing cost information.
****Offer is good on new home equity loans with approved lines of $10,000 or more, or an increase of $10,000 or more to an existing line of credit. CCU pays all closing costs, except appraisal, if required. Offer is subject to normal credit and loan-to-value qualifications. At the end of the five-year "fixed" period, the rate will adjust to the prevailing prime rate.

Member Business Loans and Farm Loans

Real Estate Secured Annual Percentage Rate (APR)
3 Year Lock as low as 4.90% APR
5 Year Lock as low as 5.20% APR
7 Year Lock as low as 5.30% APR
Personal Property Secured
1 Year Lock as low as 4.90% APR
3 Year Lock as low as 5.20% APR
5 Year Lock as low as 5.30% APR
There are many loan program options and terms available to fit your farm or business needs.
Contact us for additional information.
See our Fees & Disclosures page for additional account information and terms.