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Credit Union
SPARTA
1000 West Wisconsin
Street
PO Box 167
Sparta, WI 54656
Fax: 608-269-8120
Toll-Free: 888-706-1228
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
1410 Hwy 16
PO Box 913
West Salem, WI 54669
Phone: 608-786-2420
Fax: 608-786-1025
Toll-Free: 888-706-1228
Fri 8:30-5:30
Closed Saturday
Driveup: M-F 7:30-5:30
Sat 8:30-Noon
*ATM available 24/7
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Loan Rates
| Auto Loans | |||||
| LOAN SPECIAL: WE'VE LOWERED OUR RATES FOR ANYTHING ON WHEELS FOR A LIMITED TIME. CALL, COME IN, OR APPLY ONLINE! | |||||
APR* for |
APR*
for |
APR*
for |
APR*
for |
APR*
for |
|
| 24
Months |
36
Months |
48
Months |
60
Months |
72
Months |
|
| New Vehicle 2011-2012(under 15,000 Miles) |
|||||
| WITH RELATIONSHIP DISCOUNT | 2.49% |
2.49% |
2.49% |
2.49% |
2.79% |
| WITHOUT RELATIONSHIP DISCOUNT | 2.99% |
2.99% |
2.99% |
2.99% |
3.29% |
| Used Vehicle 2012-2008 |
|||||
| WITH RELATIONSHIP DISCOUNT | 2.49% |
2.49% |
2.49% |
2.49% |
|
| WITHOUT RELATIONSHIP DISCOUNT | 2.99% |
2.99% |
2.99% |
2.99% |
|
| Used Vehicle 2007-2004 |
|||||
| WITH RELATIONSHIP DISCOUNT | 2.49% |
2.49% |
2.49% |
||
| WITHOUT RELATIONSHIP DISCOUNT | 2.99% |
2.99% |
2.99% |
||
| Older Vehicles |
|||||
| WITH RELATIONSHIP DISCOUNT | 2.49% |
||||
| WITHOUT RELATIONSHIP DISCOUNT | 2.99% |
||||
| Classic & Exotic Vehicles | |||||
| WITH RELATIONSHIP DISCOUNT | 2.49% |
||||
| WITHOUT RELATIONSHIP DISCOUNT | 2.99% |
||||
| Recreational Vehicle Loans: |
|
||||
| Recreational
rates same as auto rates (See a loan officer
for available terms) |
|||||
| Includes: Boats Campers 4-Wheelers Motorcycles Scooters 5th Wheels Motorhomes Travel Trailers & more |
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| Members with a Share Draft Checking account may qualify for a 0.25% APR discount on loan rate. See a loan officer for details. Does not apply to Real Estate, Business, or Promotional Loans. | |||||
| |
|||||
| Manufactured Home Loans: |
TERM |
APR* |
|||
| Some restrictions apply. Subject to minimum 20% down. | |||||
| Single Wide | |||||
| New 2010-2011 | 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* | |||
2010
(new)-2011 |
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% |
||||
Unsecured Loans |
|||||
| APR* | |||||
Signature Loan Over $1000 |
8.25% |
||||
Signature Loan Under $1000 |
13.50% |
||||
| Kwik Cash | |
8.25%
|
|||
Real Estate Loans |
|||||
| 30 year Fixed Rate Mortgages | Call
for current Rates |
||||
| 10 Year Fixed (Residential Only) | Call
For Current Rate |
||||
| 15 Year Fixed (Residential Only) | Call
For Current Rate |
||||
| HELOC, up to 80% Loan to Value |
4.50% APR** |
Variable Rate tied to Prime |
|||
| Home Improvement Loans |
6.50%
APR* |
||||
| 2nd Mortgage, less than 60% loan to value | 5.25%
APR* |
||||
| 2nd Mortgage, more than 60% loan to value | 5.45%
APR* |
||||
| Construction Loan |
3.99%
APR* |
||||
| Rental Property |
Contact
Bryan Edwards
|
||||
| Land |
4.95%
APR* |
||||
Commercial and Ag Loans |
|||||
| New Commercial and Ag Equipment | AS LOW AS 3.99% APR |
||||
| Used Commercial and Ag Equipment | AS LOW AS 4.49% APR |
||||
| Real Estate - Contact Bryan Edwards for current Commercial Real Estate rates and available terms | |||||
|
Phone:
608-366-2307 or 608-269-8121 |
|||||
| or
E-mail: bedwards@1stccu.com |
|||||
*APR = Annual Percentage Rate. All rates are current as of 02/01/2012 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% APR discount on loan rate. Discounted loan rate does not apply to Real Estate Loans, Business Loans, or loans at promotional rates.
**Line of credit - This Plan has a variable rate feature, and the Annual Percentage Rate (APR) and corresponding periodic rate and minimum payment can change as a result. Rate indexed to Prime. APR subject to change monthly but cannot exceed 18% and will never fall below 4.50%. Minimum monthly payment will equal 1.5% of the principal balance outstanding or $50.00, whichever is greater. Some restrictions may apply. See a loan officer for full details, minimum draw requirements, terms, and fees.
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