Rates

Vehicle and Recreational 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. See a loan officer for details and available terms.

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Rates effective 6/01/2017




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.
**84 month term also available to qualifying borrowers. Some restrictions apply for terms 72 months and up. See a loan officer for qualifications.


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Real Estate LOANS (6/01/2017)

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!

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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




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Image of lawnmower on grass. 1st-time homebuyers get mower with 1st CCU. Affordable mortgage loans at great rates, knowledgeable experts to answer your questions, convenient online loan application, and a free lawnmower to 1st time homebuyers at closing! NMLS ID 411004. Federally insured by NCUA. Equal Housing Opportunity Lender.

Other loans (rates effective as of 6/01/2017)

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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.

Meet our consumer loan experts

savings rates (RATES EFFECTIVE AS OF 4/17/2017)
Share Certificates*
 6 Mo
12 Mo
13 Mo NEW MONEY SPECIAL***
18 Mo
21 Mo NEW MONEY SPECIAL***
24 Mo
30 Mo
36 Mo
48 Mo
60 Mo
RATE
 0.70%
1.05%
1.25%
1.25%
1.50%
1.40%
1.60%
1.75%
2.00%
 2.25%
APY**
 0.70%
1.06%
1.26%
1.26%
1.51%
1.41%
1.61%
1.77%
2.02%
 2.28%
IRA Accounts*
 Passbook
 12 Mo
 18 Mo
 24 Mo
 30 Mo
 36 Mo
 48 Mo
 60 Mo
RATE
0.40%
1.05%
1.25%
1.40%
1.60%
1.75%
2.00%
2.25%
APY**
0.40%
1.06%
1.26%
1.41%
1.61%
1.77%
2.02%
2.28%
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.


***LIMITED TIME OFFER: Guaranteed rate for term of the certificate, minimum $1,000 to open, rate is effective as of 7/6/2017 and subject to change. Offer not available for IRA Certificates. 13 month and 21 month Share Certificates available for New Money Deposits Only. At the end of the term, the 13 month Share Certificate will auto-renew as a 12-month Share Certificate and the 21 month Share Certificate will auto-renew as an 18-month Share Certificate. Contact 1st CCU for assistance and full details.


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