Auto & Recreational Vehicle Loans
Model YearAnnual Percentage Rate (APR)
2018 - 2014as low as 1.99%
2013 - 2010as low as 2.49%
2009 - Olderas low as 2.99%
 
Rates are effective October 5, 2017 and are subject to change.

Rates are based on individual credit worthiness, type and age of collateral and term of loan.

Vehicle and RV rates apply to a new purchase or refinance from another lender only. Add 2.00% to the rate for all other loans.

Single payment notes: add 1.00% to the appropriate category based on collateral, term and credit tier.

New autos may be financed for an amount up to 100% of purchase price, including tax and license. Extended warranties and other extras purchased with new vehicles are eligible for financing.

Used autos & Recreational vehicles may be financed for an amount up to 100% of purchase price or 100% of N.A.D.A retail book value.

Any personal loan approved for a term exceeding 72 months must balloon after 5 years, except an 84 month loan on a new vehicle.
 
Personal Loans
Signature LoansAs low as 7.00% APR
KWIK CASH/Overdraft Protection14.88% APR
MasterCard11.88% APR
Annual Percentage Rate.
Any personal loans exceeding a term of 72 months carry a 36 month P.O.D. clause.
 
Mortgage Rates
5 Year Payable On Demand*4.820% APR
3/1 ARM**4.080% APR
5/1 ARM**4.330% APR
7/1 ARM**4.580% APR
10/1 ARM**4.830% APR
10 Year Fixed Rate3.250% 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 Construction3.75% APR
Annual Percentage Rate.
Rates are effective October 5, 2017 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
3 Year Lockas low as 4.75% APR
5 Year Lockas low as 5.00% APR
7 Year Lockas low as 5.50% APR
Personal Property Secured
1 Year Lockas low as 4.75% APR
3 Year Lockas low as 5.00% APR
5 Year Lockas low as 5.50% 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. 


NCUA
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