Loan Rates
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LOAN SPECIAL AVAILABLE FOR A LIMITED TIME - FINANCE ANYTHING ON WHEELS AND GET A GREAT RATE!
Auto
Loans - New Vehicle 2011-2012(under 15,000 Miles)
24 mos. 2.49% apr* with Relationship Discount, 2.99% apr* without Relationship
Discount
36 mos 2.49% apr* with Relationship Discount, 2.99% apr* without Relationship Discount
48 mos. 2.49% apr* with Relationship Discount, 2.99% apr* without Relationship Discount
60 mos. 2.49% apr* with Relationship Discount, 2.99% apr* without Relationship Discount
72
mos. 2.79% apr* with Relationship Discount, 3.29% apr* without Relationship
Discount
Auto
Loans - Used Vehicle 2012 (over 15,000 miles) - 2008
24 mos. 2.49% apr* with Relationship Discount, 2.99% apr* without Relationship
Discount
36 mos. 2.49% apr* with Relationship Discount, 2.99% apr* without Relationship Discount
48 mos. 2.49% apr* with Relationship Discount, 2.99% apr* without Relationship Discount
60 mos. 2.49% apr* with Relationship Discount, 2.99% apr* without Relationship Discount
Auto Loans - Used Vehicle 2007-2004
24 mos. 2.49% apr* with Relationship Discount, 2.99% apr* without Relationship
Discount
36 mos. 2.49% apr* with Relationship Discount, 2.99% apr* without Relationship
Discount
48 mos. 2.49% apr* with Relationship Discount, 2.99% apr* without Relationship Discount
Auto Loans - Older Vehicles
36 mos. 2.49% apr* with Relationship Discount, 2.99% apr* without Relationship
Discount
Auto Loans - Classic & Exotic Vehicles
48 mos. 2.49% apr* with Relationship Discount, 2.99% apr* without Relationship Discount
Recreational Vehicle Loans
Rates Same
As Auto Rates
Contact a loan officer for available terms
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Manufactured Home Loans:
Single Wide:
New 2010-2011 60 mo
7.00% apr*
Used 1-5 Years 60 mo 7.75% apr*
Used 6 to 10 yrs 60 mo 8.75% apr*
Used 11 yrs+ 60 mo 8.75% apr*
Double Wide:
2010 (new)-2011 60 mo 7.00% apr*
Used 1-5 yrs old 60 mo 7.75% apr*
Used 6 to 10 yrs old 60 mo 8.75% apr*
Used 11 yrs or older 36 mo 8.75% apr*
Secured Loans
Share Secured 3.50% apr*
Share Certificate Secured APY + 2%
Unsecured Loans
Signature Loan Over $1000...... 8.25% apr*
Signature Loan Under $1000... 13.50% apr*
Kwik Cash....................................... 8.25% apr*
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Real Estate Loans
Call for current Mortgage Rates
608-269-8121 in Sparta
608-786-2420 in West Salem
1-888-706-1228 toll-free
HELOC, up
to 80% Loan to Value....4.50% APR** Variable Rate tied to prime
10 Year Fixed (Residential Only) CALL FOR CURRENT RATE
NEW!
15 Year Fixed (Residential Only) CALL FOR CURRENT RATE
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 (call for available terms)
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
*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% 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.