Loan Rates

Current rates as of September 5th, 2014.

Auto, 2010 and Newer, 680+ Beacon Score
TermAnnual Percentage Rate (APR)
72 Monthsas low as 3.49%
66 Monthsas low as 2.99%
60 Monthsas low as 2.49%
48 Monthsas low as 2.24%
36 Monthsas low as 1.99%

Auto, 2009 and Older, 680+ Beacon Score
TermAnnual Percentage Rate (APR)
72 Monthsas low as 4.49%
66 Monthsas low as 3.99%
60 Monthsas low as 3.49%
48 Monthsas low as 3.24%
36 Monthsas low as 2.99%

Motorcycle, 680+ Beacon Score
TermAnnual Percentage Rate (APR)
72 Monthsas low as 4.49%
66 Monthsas low as 3.99%
60 Monthsas low as 3.49%
48 Monthsas low as 3.24%
36 Monthsas low as 2.99%

Recreational Vehicle, 2010 and Newer, 680+ Beacon Score
TermAnnual Percentage Rate (APR)
72 Monthsas low as 4.49%
66 Monthsas low as 3.99%
60 Monthsas low as 3.49%
48 Monthsas low as 3.24%
36 Monthsas low as 2.99%

Recreational Vehicle, 2009 and Older, 680+ Beacon Score
TermAnnual Percentage Rate (APR)
72 Monthsas low as 6.49%
66 Monthsas low as 5.99%
60 Monthsas low as 4.49%
48 Monthsas low as 4.24%
36 Monthsas low as 3.99%

 

APR = Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Rates effective as of September 5th, 2014.  Rate quoted is for a minimum of $5,000.00 of new money. Payment Example: $5,000 loan on a 2010 vehicle for a term of 36 months with a 1.99% APR, the monthly payment = $143.20. Call Credit Union for full details.

Loan TypeAnnual Percentage Rate (APR)
Signature Loan13.50%
Share Secured (APR above the share or time share collateralized APY)2.95%
Home Equity, Variable Open-End Rateas low as 6.00%
Home Equity, Fixed Closed-End, 5 Year Termas low as 4.99%
Home Equity, Fixed Closed-End, 10 Year Termas low as 5.99%
First Mortgage Loan, 30 Yearas low as 4.50%
First Mortgage Loan, 20 Yearas low as 4.25%
First Mortgage Loan, 15 Yearas low as 4.00%
First Mortgage Loan, 10 Yearas low as 3.50%
First Mortgage Loan, 5 Yearas low as 3.25%

*Home Equity Line of Credit (HELOC) – A HELOC is available on an owner-occupied dwelling located only in Iowa. Property insurance is required. Member will pay title search, flood search, recording fee and property valuation. HELOC variable-rate may change after the account opening.  Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions.  Payment example: $20,000 Open End Home Equity Line of Credit with a 10 year variable draw period, amortized over a 30 year term at 6.00% APR, the monthly payment will be $119.98. Based on credit. All loans subject to approval.
**Fixed Home Equity Loan – A Fixed Home Equity Loan is available on an owner-occupied dwelling located only in Iowa. Property insurance is required. Member will pay title search, flood search, recording fee and property valuation. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions.  Payment example: $20,000 Fixed-10 Home Equity with a 10 year fixed rate, amortized over a 10 year term at 4.99% APR, the monthly payment will be $222.00. Based on credit.
 
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