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Loan Rates

Vehicle Rates

Auto Loans As Low As*
Effective Date: Friday, April 19th, 2024
Loan Type24 Mo APR36 Mo APR48 Mo APR60 Mo APR72 Mo APR**84 Mo APR**
New
2024 (new) - 2025
(<15,000 miles)
 
7.00% 7.15% 7.30% 7.45% 7.75% 8.00%
Used Vehicle
2020-2024
 
7.25% 7.40% 7.55% 7.70% 8.00% ---
Used Vehicle
2014-2019
 
8.00% 8.15% 8.30% 8.45% --- ---
Older Vehicles
 
9.90% 10.15% 10.65% 11.40% --- ---
Older vehicle loans not eligible for discounts; minimum loan amount $1,000
*Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. 

**Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications.

Recreational Loans As Low As*:
Effective Date: Friday, April 19th, 2024
Loan Type24 Mo APR36 Mo APR48 Mo APR60 Mo APR72 Mo APR**84 Mo APR**120 Mo APR**
UTV's, ATV's, Boats, Campers (Motor Homes, Travel Trailers, 5th Wheels), Snowmobiles, Personal Watercraft, and more:
2020-2025
 
8.00% 8.15% 8.30% 8.45% 8.75% 9.00% 10.00%
Used
2014-2019
 
8.50% 8.65% 8.80% 8.95% 9.25% - - - - - -
Older Recreational
 
9.90% 10.15% 10.65% 11.40% - - - - - - - - -
*Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. 

**Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications.

Real Estate Rates

1st Mortgage Real Estate
Loan TypeRate
1st Mortgage 30-Year Fixed Contact 1st CCU for Current Rates and Terms
1st Mortgage Purchase Contact 1st CCU for Current Rates and Terms
1st Mortgage - Raw Land Contact 1st CCU for Current Rates and Terms
DID YOU KNOW: If you've been paying rent of $800/month for at least 3 years, you've already paid out over $28,000 to your landlord. Buying a home of your own could be easier than you think! Our Mortgage Loan Experts are available to answer your home loan questions and pre-qualify you with a free, no-obligation financial review to help you determine how much home you can afford.

2nd Mortgage Real Estate
Loan TypeRate
2nd Mortgage Contact 1st CCU for Current Rates and Terms

Other Real Estate Rates
Loan TypeRate
Construction Loan Contact 1st CCU for Current Rates and Terms
Home Equity Line of Credit (HELOC) Contact 1st CCU for Current Rates and Terms

Commercial/Agriculture Real Estate
Loan TypeRate
Commercial RE - 1st Mortgage Contact 1st CCU for Current Rates and Terms
Commercial RE - 2nd Mortgage Contact 1st CCU for Current Rates and Terms
Agricultural RE - 1st Mortgage Contact 1st CCU for Current Rates and Terms
Agricultural RE - 2nd Mortgage Contact 1st CCU for Current Rates and Terms
Rental Property Contact 1st CCU for Current Rates and Terms

Other Rates

Unsecured Personal Loans As Low As*
Effective Date: Friday, April 19th, 2024
Loan Type24 Mo APR36 Mo APR48 Mo APR60 Mo APR
Signature Loans ($1,000 minimum)  9.90% 10.15% 10.65% 11.40%
Apply For Personal Loan
*Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. 

Secured Loans As Low As*
Effective Date: Friday, April 19th, 2024
TypeTermAPR
Certificate Secured Loans  Contact 1st CCU for details 3.50% over Cert. Rate
Apply Now
*Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. 

Credit Cards
Effective Date: Friday, April 19th, 2024
TypeTermAPR
Visa Credit Card* Contact 1st CCU for details 9.40%
Apply For Credit Card
*All loans are subject to credit approval. Some restrictions may apply. Contact 1st CCU for full details. Rates subject to change at any time without warning. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.  

Single-Wide & Double-Wide Manufactured Home Loans*
Effective Date: Friday, April 19th, 2024
YearTermAPR
New 2024 - 2025 From 24-60 Mo From 11.00% - 14.45%
Used 1-5 Years From 24-60 Mo From 11.25% - 14.70%
Used 6-10 Years From 24-60 Mo From 12.00% - 15.45%
Used 11+ Years From 24-60 Mo From 13.00% - 16.45%
Apply for Mobile Home Loan
*Rates posted here are the lowest available to qualified borrowers. Your rate may be higher. New Single-Wide and Double-Wide mobile homes amortized up to 240 months. Used Single-Wide and Double-Wide mobile homes amortized up to 180 months. Terms may include a 2-5 year balloon. Requires 20% down payment. Amortization, terms, rates, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral condition. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. NMLS 411004.

Commercial/Agricultural Loans As Low As*
Effective Date: Friday, April 19th, 2024
Loan TypeRate

Commercial & Ag

Vehicles/Equipment - NEW

Loans $50,000+  =  As low as 7.00% APR
Loans under $50,000  =  As low as 7.50% APR
Commercial & Ag
Vehicles/Equipment - USED
Loans $50,000+ = As low as 7.75% APR
Loans under $50,000 = As low as 8.25% APR
Commercial/Ag Unsecured Contact 1st CCU for current rates
Line Of Credit - Equipment As low as 9.50% APR
Line Of Credit - Unsecured As low as 13.75% APR
Commercial/Ag Real Estate Contact 1st CCU for current rates
*Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, term, amount financed, and your credit history. Rates are subject to change at any time. 20% down payment is required for secured Commercial and Ag Loans. You may be asked to provide 2 years of Tax Returns and a Year-To-Date Income Statement. All loans are subject to credit approval. Restrictions may apply. Contact 1st CCU for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. NMLS 411004.

 

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