Loan Rates

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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.

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

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 FinancedLength of Term
$100 - $1,499Up to 24 months
$1,500 - $3,999Up to 36 months
$4,000 - $9,999Up to 48 months
$10,000 and upUp 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 FinancedLength of Term
$2,000 - $4,00036 months
$5,000 - $9,99948 months
$10,000 and up60 months


Share Secured Loans

Share Secured Loans0-48 months4.25% APR
CD Secured LoansSame as CD3% 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.