Loan Rates
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.
| Amount Financed | Length of Term1 | Rate |
|---|---|---|
| $100 - $1,499 | Up to 24 months | As low as 3.95%* APR |
| $1,500 - $3,999 | Up to 36 months | As low as 3.95%* APR |
| $4,000 - $9,999 | Up to 48 months | As low as 3.95%* APR |
| $10,000 and up | Up to 60 months | As low as 3.95%* APR |
*Add 1% to above rates for: motorcycles, snowmobiles, ATVs, motor homes, campers and watercraft.
1Payment example: For each $1,000 borrowed with a loan term of 24, 36, 48 or 60 months, with a 3.95% APR, the monthly payment would be $43.41, $29.51, $22.56 or $18.40, respectively.
Unsecured Loans
| Amount Financed | Length of Term2 | Rate |
|---|---|---|
| $100 - $1,499 | Up to 24 months | As low as 10.90% APR |
| $1,500 - $3,999 | Up to 36 months | As low as 10.90% APR |
| $4,000 - $9,999 | Up to 48 months | As low as 10.90% APR |
| $10,000 and up | Up to 60 months | As low as 10.90% APR |
2Payment example: For each $1,000 borrowed with a loan term of 24, 36, 48 or 60 months, with a 10.90% APR, the monthly payment would be $46.57, $32.70, $25.80 or $21.70, respectively.
Line of Credit
Rates as low as 10.90% APR.3
3The rate is fixed and does not have any annual, cash advance or foreign transaction fees.
Fixed Rate Home Equity & FHA Title 1 Loans
| Amount Financed | Length of Term4 | Rate |
|---|---|---|
| $2,000 - $4,999 | Up to 36 months | As low as 5.45% APR |
| $5,000 - $9,999 | Up to 48 months | As low as 5.45% APR |
| $10,000 and up | Up to 60 months | As low as 5.45% APR |
4Payment example: For each $1,000 borrowed with a loan term of 36, 48 or 60 months, with a 5.45% APR, the monthly payment would be $30.18, $23.24 or $19.08, respectively.
Share Secured Loans
| Loan Type | Length of Term5 | Rate |
|---|---|---|
| Share Secured Loans | 0-48 months | 4.25% APR |
| CD Secured Loans | Same as CD | 3% above CD rate |
5Payment example: For each $1,000 borrowed with a loan term of 48 months, with a 4.25% APR, the monthly payment would be $22.70.
Citizens Community Credit Union uses a merit-based system for determining rates. The better your credit history, the lower the rate you will receive. These 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 program 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.
Equal Housing Lender – We do business in accordance with the Fair Housing Act and Equal Credit Opportunity Act. NMLS #646001.
