Vehicle Rates
Auto Loans As Low As*
Effective Date: Friday, July 11th, 2025
| Loan Type | 24 Mo APR | 36 Mo APR | 48 Mo APR | 60 Mo APR | 72 Mo APR** | 84 Mo APR** |
|---|---|---|---|---|---|---|
| 2025 (new) - 2026 (<15,000 miles) |
4.99% | 5.14% | 5.29% | 5.44% | 5.74% | 5.99% |
| Used 2021-2025 Vehicles | 5.24% | 5.39% | 5.54% | 5.69% | 5.99% | --- |
| Used 2015-2020 Vehicle | 5.99% | 6.14% | 6.29% | 6.44% | --- | --- |
| Older Vehicles |
9.90% | 10.15% | 10.65% | 11.40% | --- | --- |
| Older vehicle loans not eligible for discounts; minimum loan amount $1,000 | ||||||
| *APR=Annual Percentage Rate. 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, July 11th, 2025
| Loan Type | 24 Mo APR | 36 Mo APR | 48 Mo APR | 60 Mo APR | 72 Mo APR** | 84 Mo APR** | 120 Mo APR** |
|---|---|---|---|---|---|---|---|
| UTV's, ATV's, Motorcycles, Boats, Campers (Motor Homes, Travel Trailers, 5th Wheels), Snowmobiles, Personal Watercraft, and more: | |||||||
| New 2021-2026 Rec Vehicle | 6.24% | 6.39% | 6.54% | 6.69% | 6.99% | 7.24% | 8.24% |
| Used 2015-2020 Rec Vehicles | 6.74% | 6.89% | 7.04% | 7.19% | 7.49% | - - - | - - - |
| Older Recreational |
9.90% | 10.15% | 10.65% | 11.40% | - - - | - - - | - - - |
| *APR=Annual Percentage Rate. 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. | |||||||
Submit an Auto or Recreational Vehicle Loan Application Now
Real Estate Rates
1st Mortgage Real Estate
| Loan Type | Rate |
|---|---|
| 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 Type | Rate |
|---|---|
| 2nd Mortgage | Contact 1st CCU for Current Rates and Terms |
Other Real Estate Rates
| Loan Type | Rate |
|---|---|
| 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 Type | Rate |
|---|---|
| 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 |
| Apply Now for a Business or Ag Real Estate Loan | |
Other Rates
Unsecured Personal Loans As Low As*
Effective Date: Friday, July 11th, 2025
| Loan Type | 24 Mo APR | 36 Mo APR | 48 Mo APR | 60 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, July 11th, 2025
| Type | Term | APR |
|---|---|---|
| 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, July 11th, 2025
| Type | Term | APR |
|---|---|---|
| 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, July 11th, 2025
| Year | Term | APR |
|---|---|---|
| New 2025 - 2026 | Call For Terms Rates as low as |
10.99% APR* |
| Used 2025-2021 | Call For Terms Rates as low as |
11.24% APR |
| Used 2020-2015 | Call For Terms Rates as low as |
11.99% APR |
| Used 2014-1980 | Call For Terms Rates as low as |
12.99% APR |
| Apply for Mobile Home Loan | ||
| *APR=Annual Percentage Rate. 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. Used mobile homes are subject to maximum age requirement. 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, July 11th, 2025
| Loan Type | Rate |
|---|---|
| New Commercial & Ag Vehicles/Equipment | Loans $50,000+ = As low as 6.24% APR Loans under $50,000 = As low as 6.99% APR |
| Used Commercial & Ag Vehicles/Equipment | Loans $50,000+ = As low as 6.99% APR Loans under $50,000 = As low as 7.49% APR |
| Commercial/Ag Unsecured | Call for current rates |
| Line Of Credit - Equipment | As low as 8.99% APR |
| Line Of Credit - Unsecured | As low as 13.74% APR |
| Commercial/Ag Real Estate | Contact 1st CCU for current rates |
Apply Now for a Business or Ag Loan *APR=Annual Percentage Rate. 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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