Loan Rates
Click here to learn more about our current auto loan promotion!
All rates subject to change without notice. All rates quoted as Annual Percentage Rates (APR).
New & Used Vehicle Loans
Includes cars, trucks, motorcycles, snowmobiles, ATVs, motor homes, campers and watercrafts.
| Term | Rate | |
|---|---|---|
| New & Used Vehicles | * | As low as 2.99% APR** |
**Add 1% to above rates for: motorcycles, snowmobiles, ATVs, motor homes, campers and watercraft.
Consumer Loans
| Term | Rate | |
|---|---|---|
| Unsecured Loans | * | As low as 10.90% APR |
| Computer | * | As low as 10.90% APR |
| Line of Credit | * | As low as 10.90% APR |
*Term of Vehicle & Consumer Loans
(Excluding Lines of Credit)
| Amount Financed | Length of Term |
|---|---|
| $100 - $1,499 | Up to 24 months |
| $1,500 - $3,999 | Up to 36 months |
| $4,000 - $9,999 | Up to 48 months |
| $10,000 and up | Up to 60 months |
Payment example: For a $10,000 auto loan with a term of 60 months at 2.99% APR, the monthly payment would be $179.66.
Fixed Rate Home Equity & FHA Title 1 Loans
Rate as low as 5.45% APR
| Amount Financed | Length of Term |
|---|---|
| $2,000 - $4,000 | 36 months |
| $5,000 - $9,999 | 48 months |
| $10,000 and up | 60 months |
Share Secured Loans
| Term | Rate | |
|---|---|---|
| Share Secured Loans | 0-48 months | 4.25% APR |
| CD Secured Loans | Same as CD | 3% above CD rate |
Citizens Community Credit Union uses a merit-based system for determining rates. The better your credit history, the lower the rate you will receive. The rates are the best we have to offer. Individual rates may vary depending on credit score.
Unless otherwise noted, rates are merit-based. Terms and annual percentage rates are subject to change without notice.
Other Types of Loans
The rates on the following loan programs are not determined by the merit-based lending program. Member must have qualified credit to be approved:
Real Estate Loans
Rates change daily. For current rates and program information, contact our Real Estate Department at (515) 955-5524. An Equal Housing Lender.
Citizens Community Credit Union does business in accordance with the Equal Credit Opportunity Act and the Federal Fair Housing Law.
