|Auto & Recreational Vehicle Loans|
|Model Year||Annual Percentage Rate (APR)|
|2018 - 2014||as low as 1.99%|
|2013 - 2010||as low as 2.49%|
|2009 - Older||as 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.
|Signature Loans||As low as 7.00% 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.
|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 Rate||3.250% 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 Construction||3.75% 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 Lock||as low as 4.75% APR|
|5 Year Lock||as low as 5.00% APR|
|7 Year Lock||as low as 5.50% APR|
|Personal Property Secured|
|1 Year Lock||as low as 4.75% APR|
|3 Year Lock||as low as 5.00% APR|
|5 Year Lock||as 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.|