Auto & Recreational Vehicle Loans
|Model Year||Annual Percentage Rate (APR)|
|New (2018-2017 w/less than 5,000 miles)||as low as 2.40%|
|Used (2017 w/more than 5,000 miles-2014)||as low as 2.40%|
|Used (2013 & Older)||as low as 2.40%|
Rates are effective February 14, 2018, and are subject to change.
Rates are based on individual creditworthiness, loan-to-value, type and age of collateral and term of loan.
|Loan Type||Annual Percentage Rate (APR)|
|Signature Loans||As low as 9.00% APR|
|KWIK CASH/Overdraft Protection||14.88% APR|
Annual Percentage Rate.
Any personal loans exceeding a term of 72 months carry a 36 month P.O.D. clause.
|Loan Term||Annual Percentage Rate (APR)|
|5 Year Payable On Demand*||5.220% APR|
|3/1 ARM**||4.660% APR|
|5/1 ARM**||4.910% APR|
|7/1 ARM**||5.160% APR|
|10/1 ARM**||5.410% APR|
|10 Year Fixed Rate||4.000% APR|
|Fixed Rate (Secondary Market)***||Contact CCU for rates|
|Home Equity Line of Credit****||
3.88% APR with 5-Year Lock (Special) or 3.50% APR
with 1-Year Lock
|Home Construction||3.75% APR|
Annual Percentage Rate
Rates are effective February 14, 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 5.25% APR|
|5 Year Lock||as low as 5.50% APR|
|7 Year Lock||as low as 6.00% APR|
|Personal Property Secured|
|1 Year Lock||as low as 5.25% APR|
|3 Year Lock||as low as 5.50% APR|
|5 Year Lock||as low as 6.00% APR|
There are many loan program options and terms available to fit your farm or business needs.
Contact us for additional information.