Loan Rates

All rates subject to change without notice. All rates quoted as Annual Percentage Rates (APR).

Click here to view our current loan promotions.

New & Used Vehicle Loans

Includes cars, trucks, motorcycles, snowmobiles, ATVs, motor homes, campers and watercrafts.

	Term	Rate
New & Used Vehicles	*	As low as 4.95% APR**

**Add 1% to above rates for: motorcycles, snowmobiles, ATVs, motor homes, campers and watercrafts.

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

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.