Loan Rates

Apply for a LoanAll 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 FinancedLength of Term1Rate
$100 - $1,499Up to 24 monthsAs low as 3.95%* APR
$1,500 - $3,999Up to 36 monthsAs low as 3.95%* APR
$4,000 - $9,999Up to 48 monthsAs low as 3.95%* APR
$10,000 and up Up to 60 monthsAs 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 FinancedLength of Term2Rate
$100 - $1,499Up to 24 monthsAs low as 10.90% APR
$1,500 - $3,999Up to 36 monthsAs low as 10.90% APR
$4,000 - $9,999Up to 48 monthsAs low as 10.90% APR
$10,000 and up Up to 60 monthsAs 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 FinancedLength of Term4Rate
$2,000 - $4,999Up to 36 monthsAs low as 5.45% APR
$5,000 - $9,999Up to 48 monthsAs low as 5.45% APR
$10,000 and upUp to 60 monthsAs 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 TypeLength of Term5Rate
Share Secured Loans0-48 months4.25% APR
CD Secured LoansSame as CD3% 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.