Rates

Vehicle Loans (11/07/2016)

Rates posted below 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.

Consumer Loans Apply Now





Loan Type
24 Mo APR*
36 Mo APR*
48 Mo APR*
60 Mo APR*
72 Mo APR**
Auto Loans As Low As:
New 2016-2017 (<15,000 miles)
Used Vehicle 2012-2016
Used Vehicle 2006-2011


2.00%

2.25%

3.00%


2.15%

2.40%

3.15%


2.30%

2.55%

3.30%


2.45%

2.70%

3.45%


2.75%

3.00%

---

Classic, Exotic as low as:
5.70%
5.85%
6.00%
8.00%
---

Boats As Low As:

2016 (NEW) - 2017

2012-2016

2006-2011

RVs/Campers As Low As:

2016 (NEW) - 2017

2012-2016

2006-2011

Some rates may contain a balloon


2.00%

2.25%

3.00%


2.00%

2.25%

3.00%



2.15%

2.40%

3.15%


2.15%

2.40%

3.15%



2.30%

2.55%

3.30%


2.30%

2.55%

3.30%



2.45%

2.70%

3.45%


2.45%

2.70%

3.45%



2.75%

3.00%

---


2.75%

3.00%

---


Older Vehicles As Low As:

Not eligible for discounts; min $1000


9.20%


9.45%


9.95%


10.70%


---












*APR = Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. Some restrictions may apply. 100% financing on vehicle loans available to qualified borrowers. Contact a loan officer for full details.
**Some restrictions apply for terms 72 months and up. See a loan officer for qualifications.

see a loan officer for available terms oUR cONSUMER lENDING tEAM
Real Estate LOANS (11/07/2016)

Click to apply for a Home Loan

We have fantastic rates and low closing costs!

Mortgage rates can change daily. Many factors are considered in determining the interest rate on different types of mortgage loans. 
Our lending experts are available to assist you with information about our mortgage options, free pre-qualification, and answers to your questions about financing your dream home!

MEET OUR MORTGAGE TEAM
1ST MORTGAGE REAL ESTATE
1st Mortgage 30 Year Fixed
1st Mortgage Purchase
1st Mortgage - Raw Land
RATE
Contact 1st CCU for Current Rates and Terms
Contact 1st CCU for Current Rates and Terms
Contact 1st CCU for Current Rates and Terms


2ND MORTGAGE REAL ESTATE
2nd Mortgage < 60% loan to value
2nd Mortgage > 60% loan to value
RATE
Contact 1st CCU for Current Rates and Terms
Contact 1st CCU for Current Rates and Terms


HELOC
HELOC < 80% loan to value
HELOC 81%-90% loan to value
RATE
Contact 1st CCU for Current Rates and Terms
Contact 1st CCU for Current Rates and Terms





OTHER REAL ESTATE LOANS
Construction Loan
RATE
Contact 1st CCU for Current Rates and Terms


COMMERCIAL / AG REAL ESTATE
Commercial RE - 1st Mortgage
Commercial RE - 2nd Mortgage
Agricultural RE - 1st Mortgage
Agricultural RE - 2nd Mortgage
Rental Property
E-mail Arnie Rettler for current rates and available terms or phone (608) 366-2309 or toll-free 888-706-1228
RATE
Contact 1st CCU for Current Rates and Terms
Contact 1st CCU for Current Rates and Terms
Contact 1st CCU for Current Rates and Terms
Contact 1st CCU for Current Rates and Terms
Contact 1st CCU for Current Rates and Terms




Testimonial - These individuals have excellent people skills
Cut the cost of home ownership
Other loans (rates effective as of 11/07/2016)

Apply now


SINGLE-WIDE MANUFACTURED HOME
New 2016 - 2017
Used 1-5 Years
Used 6-10 Years
Used 11+ Years
**Some restrictions apply
TERM
60 Mo
60 Mo
60 Mo
36 Mo

APR*
 7.75%
 8.50%
 9.50%
10.00%



DOUBLE-WIDE MANUFACTURED HOME
New 2016 - 2017
Used 1-5 Years
Used 6-10 Years
Used 11+ Years
**Some restrictions apply
TERM
60 Mo
60 Mo
60 Mo
36 Mo

APR*
 7.75%
 8.50%
 9.50%
10.00%



***SHARE SECURED LOANS


2.00% over Share
or CD Rate 
Minimum
 3.50% APR*

UNSECURED PERSONAL LOANS
***Signature Loans, minimum $1,000
Credit Card
See a loan officer
for available terms
APR* as low as
9.20%
9.40%

COMMERCIAL/AGRICULTURAL LOANS
Farm Machinery-New
Farm Machinery-Used
Business Equipment-New
Business Equipment-Used
Flex Line
RATE
As low as 5.00% APR*
As low as 5.75% APR*
As low as 5.00% APR*
As low as 5.75% APR*
Contact 1st CCU


*APR = Annual Percentage rate. rates subject to change at any time without warning. Subject to credit approval. some restrictions apply; see a loan officers for full details and all available terms.
**New Single and double-wide mobile homes amortized up to 240 months. Used single 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 conditions. for purchase or refinance of homes in a mobile home park. all loans subject to approval. some restrictions may apply. contact a loan officer for full details.
***Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications; some restrictions apply. All loans subject to approval. Contact a loan officer for full details.

savings rates (RATES EFFECTIVE AS OF 11/18/2016)
Share Certificates*
6 Mo
 12 Mo
 18 Mo
 24 Mo 
 30 Mo 
 36 Mo 
 48 Mo 
 60 Mo 
RATE
0.50%
0.80%
1.00%
1.20%
1.30%
1.50%
1.85%
2.05%
APY**
0.50%
0.80%
1.01%
1.21%
1.31%
1.51%
1.86%
2.07%
IRA Accounts*
 Passbook
 12 Mo
 18 Mo
 24 Mo
 30 Mo
 36 Mo NEW!
 48 Mo NEW!
 60 Mo NEW!
RATE
0.40%
0.80%
1.00%
1.20%
1.30%
1.50%
1.85%
2.05%
APY**
0.40%
0.80%
1.01%
1.21%
1.31%
1.51%
1.86%
2.07%
Ultimate Savings*
 <$1,000
 >$1,000
RATE
0.20%
0.30%
APY**
0.20%
0.30%
Money Market Checking*
Minimum $25.00-$1,000
Minimum $1,000-$9999.99
Minimum $10,000-$24,999.99
Minimum $25,000-$99,999.99
Minimum $100,000+
RATE
0.20%
0.30%
0.35%
0.40%
0.45%
APY**
0.20%
0.30%
0.35%
0.40%
0.45%

Regular Share Savings*
RATE
0.20%
APY**
0.20%

Christmas Club*
RATE
0.25%
APY**
0.25%

Share Drafts
RATE
0.00%
APY**
0.00%


*Minimum opening deposit requirements and early withdrawal penalties may apply. Contact 1st CCU for full details.

**APY= Annual Percentage Yield.


Membership eligibility required. Rates subject to change daily. Rates shown for Passbook IRA Accounts and Share Deposit Accounts are the last declared rates and should not be construed as current offerings.

FEDERALLY INSURED BY NCUA