Auto & Recreational Vehicle Loans
| Model Year | Annual Percentage Rate (APR) |
|---|---|
| New (2023-2022 w/less than 5,000 miles) | as low as 6.19% |
| Used (2022 w/more than 5,000 miles-2019) | as low as 6.19% |
| Used (2018 & Older) | as low as 6.89% |
Annual Percentage Rate.
Rates are effective September 25, 2023, and are subject to change and/or cancellation at any time.
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 9.90% APR |
| KWIK CASH/Overdraft Protection | 14.88% APR |
| Credit Card | 11.88% APR |
Annual Percentage Rate.
Rates are effective September 25, 2023, 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 |
|---|---|---|---|
| 3/1 ARM* | 6.575% | 8.390% APR | $6.38 |
| 5/1 ARM* | 6.825% | 8.196% APR | $6.54 |
| 7/1 ARM* | 6.925% | 7.988% APR | $6.61 |
| 10/1 ARM* | 7.175% | 7.838% APR | $6.78 |
| 10 Year Fixed Rate | 7.000% | 7.151% APR | $11.62 |
| 15 Year Fixed Rate |
7.250%
|
7.358% APR |
$9.13
|
| Fixed Rate (Secondary Market)** | Contact CCU for rates | ||
| Home Equity Line of Credit |
3-year Lock at
6.59% APR***
|
||
| Home Construction | 4.000% | 4.682% APR | $3.33 |
Rates are effective September 25, 2023, 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.
*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.
***Annual Percentage Rate. On new home equity lines of credit of $10,000 or more or an increase of $10,000 on an existing line. Offer subject to normal loan-to-value qualifications. At the end of the fixed period, rate will adjust annually to the prevailing prime rate (most recently 8.50% APR). This is a variable rate loan with a lifetime cap of 15.00% APR. Offer may end at any time. CCU pays closing costs except for appraisal, if required.
**Rates are subject to change more than once daily; see real estate loan officer or assistant for current rate and closing cost information.
***Annual Percentage Rate. On new home equity lines of credit of $10,000 or more or an increase of $10,000 on an existing line. Offer subject to normal loan-to-value qualifications. At the end of the fixed period, rate will adjust annually to the prevailing prime rate (most recently 8.50% APR). This is a variable rate loan with a lifetime cap of 15.00% APR. Offer may end at any time. CCU pays closing costs except for appraisal, if required.
Member Business Loans and Farm Loans
| Real Estate Secured | Annual Percentage Rate (APR) |
|---|---|
| 3 Year Lock | as low as 7.00% APR |
| 5 Year Lock | as low as 7.25% APR |
| 7 Year Lock | as low as 7.50% APR |
| Personal Property Secured | |
| 1 Year Lock | as low as 7.00% APR |
| 3 Year Lock | as low as 7.25% APR |
| 5 Year Lock | as low as 7.50% APR |
There are many loan program options and terms available to fit your farm or business needs.
Contact us for additional information.