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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 (2020-2019 w/less than 5,000 miles) as low as 2.99%
Used (2019 w/more than 5,000 miles-2016) as low as 2.99%
Used (2015 & Older) as low as 3.35%
Annual Percentage Rate.
Rates are effective July 2, 2020, 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 8.00% APR
KWIK CASH/Overdraft Protection 14.88% APR
MasterCard 11.88% APR
Annual Percentage Rate.
Rates are effective July 2, 2020, and are subject to change.
Any personal loans exceeding a term of 72 months carry a 36 month P.O.D. clause.

Mortgage Rates

Loan Term Rate Annual Percentage Rate Monthly Payment per $1,000 Borrowed
5 Year POD* 4.570% 4.627% APR $5.11
3/1 ARM** 3.050% 3.748% APR $4.24
5/1 ARM** 3.250% 3.711% APR $4.35
7/1 ARM** 3.500% 3.783% APR $4.49
10/1 ARM** 3.750% 3.854% APR $4.63
10 Year Fixed Rate 2.875% 2.927% APR $9.60
Fixed Rate (Secondary Market)***
Contact CCU for rates
Home Equity Line of Credit
.25% lower than prime (intro rate)****
Home Construction 3.750% 4.431% APR
Rates are effective July 2, 2020, and are subject to change without notice. Published rates do not constitute a loan offer.  The Annual Percentage Rate (APR) reflects the actual annual cost of the loan. Payment examples reflect a monthly payment of principal and interest only.  Your actual payment may be higher. An escrow account for real estate taxes and property insurance may be required. Rates and payments are based on a loan amount of $100,000 for an owner-occupied home with a 30-year amortization and an 80% loan-to-value (excluding 10-Year Fixed Rate and Home Construction loans).  Your actual APR will be based upon your final loan amount and applicable costs. Loan subject to credit approval and membership eligibility.
*Payable on Demand.
**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.
****Rate will adjust annually to the prime rate.

Member Business Loans and Farm Loans

Real Estate Secured Annual Percentage Rate (APR)
3 Year Lock as low as 3.85% APR
5 Year Lock as low as 4.15% APR
7 Year Lock as low as 4.25% APR
Personal Property Secured
1 Year Lock as low as 3.85% APR
3 Year Lock as low as 4.15% APR
5 Year Lock as low as 4.25% 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.