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Do you carry a month-to-month Credit Card balance?
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Yes, but I am determined to reduce my debt in 2010
1st CCU
Welcome
1st Community
Credit Union

SPARTA
1000 West Wisconsin
Street
PO Box 167
Sparta, WI 54656

Phone: 608-269-8121
Fax: 608-269-8120
Toll-Free: 888-706-1228

SPARTA HOURS
Lobby: M-W 8:30-5:00
            Th-F 8:30-5:30
            Sat 8:00-11:30

Driveup: M-F 7:30-5:30
             Sat 8:00-11:30
*ATM available 24/7


WEST SALEM
1410 Hwy 16
PO Box 913
West Salem, WI 54669

Phone: 608-786-2420
Fax: 608-786-1025
Toll-Free: 888-706-1228

WEST SALEM HOURS
Lobby: M-Th 8:30-5:00
                Fri 8:30-5:30
          Closed Saturday

Driveup: M-F 7:30-5:30
              Sat 8:30-Noon
*ATM available 24/7


Loan Rates

 

Apply Now

Auto Loans
 
APR* for
APR* for
APR* for
APR* for
APR* for
 
24 Months
36 Months
48 Months
60 Months
72 Months

New Vehicle 2009-2010(under 15,000 Miles)

3.99%
3.99%
3.99%
3.99%
4.24%

Used Vehicle 2010-2006

4.44%
4.44%
4.44%
4.44%

Used Vehicle 2005-2002

4.44%

4.44%
4.44%

Older Vehicles

4.44%
Classic & Exotic Vehicles
4.44%

 

 

 

Recreational Vehicle Loans:

     Rates Same As Auto Rates   

Contact a loan officer for available terms

Boats    Campers    4-Wheelers     Motorcycles     Scooters  5th Wheels     Motorhomes    Travel Trailers    

 

Manufactured Home Loans:

 TERM 

 APR*

Single Wide    
New 2009-2010
60 mo

7.00%

Used 1-5 Years
60 mo
7.75%
Used 6 to 10 yrs
60 mo
8.75%
Used 11 yrs+
 60 mo
8.75%
 
       
Double Wide
 TERM
 APR*
2009 (new)-2010
60 mo

7.00%

Used 1-5 yrs old
60 mo
7.75%
Used 6 to 10 yrs old
60 mo
8.75%
Used 11 yrs or older
36 mo
8.75%
     

Secured Loans

   
APR*
Share Secured
3.50%
Share Certificate Secured
APY +  2%
Prime Plus
3.50%
 

Unsecured Loans

    APR*

Signature Loan Over $1000

9.50%

Signature Loan Under $1000

14.75%
Kwik Cash
8.25%
 

Real Estate Loans

       
15-30 year Fixed Rate Mortgages
Call for current Rates
10 Year Fixed (Residential Only)
          4.95% APR*
 

3 Year Payable-on-demand

           5.75% APR*  
Home Improvement Loans
7.75% APR*
2nd Mortgage, less than 60% loan to value
5.75% APR*
2nd Mortgage, more than 60% loan to value
5.95% APR*
Construction Loan
3.99% APR*
Rental Property
6.50% APR*
Land
5.95% APR*
      

Commercial and Ag Loans

New Farm Machinery
6.75% APR*
Used Farm Machinery
7.00% APR*
Livestock
6.75% APR*
New Business Equipment
6.75% APR*
Used Business Equipment
7.25% APR*
New Commercial/Ag Vehicle
3.99% APR*
Ask about terms
Used Commercial/Ag Vehicle
4.44% APR*
Ask about terms
Commercial and Ag Loans, More than $50,000
Call for Current Rates
     

*APR = Annual Percentage Rate.  All rates are current as of  12/08/2009 and subject to change at any time without warning.  100% Financing on vehicle loans available to qualified borrowers.

Members with a 1st CCU Share Draft account may qualify for a .25% discount on loan rate.  Discounted loan rate does not apply to Real Estate Loans, Business Loans, or loans at promotional rates.

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