Loan Rates

Loan Specials

Auto & Truck Loan rates as low as 1.74% APR*.  Click here for details.  Apply online today!

 

MasterCard® ONYX rate is now a low 7.75% APR*.  Click here for details.  Apply online today!

 

Rates

 

AUTOS

Model Year

Term

APR* (as low as)

 2012 & newer 36 months  1.74%
  48 months  1.99%
  60 months  2.49%
  72 months  2.99%
 2010 & 2011 36 months  1.99%
  48 months  2.49%
  60 months  3.24%
  72 months  3.74%
 2008 & 2009 36 months  2.99%
  48 months  3.49%
  60 months   4.49%
2007 & older 36 months  6.25%
Annual Percentage Rate. Qualified credit. Restrictions may apply. Payment example:  pay just $28.53 per month for every $1000 borrowed at 1.74% APR on a 36-month term.


MOTORCYCLES

Model Year

Term

2012 & newer         With terms up to 72 months and APR* as low as 2.99%

2010 & 2011

With terms up to 72 months and APR* as low as 3.24%

2008 & 2009 With terms up to 60 months and APR* as low as 3.74%
2007 & older  With terms up to 48 months and APR* as low as 5.00%

Annual Percentage Rate. Qualified credit. Restrictions may apply. Payment example:  pay just $29.08 per month for every $1000 borrowed at 2.99% APR on a 36-month term.

 

BOAT & RVs

Model Year

Term

APR* (as low as)

New 2010 & newer under $20,000                        

Up to 60 months

5.00%

New 2010 & newer over $20,000

Up to 84 months

5.00%

New 2010 & newer over $30,000 

Up to 120 months

5.00%

Used 2006-2009 under $20,000

Up to 60 months

5.00%

Used 2006-2009 over $20,000

Up to 72 months

5.00%

Used 2006-2009 over $30,000

Up to 120 months

5.00% 

*Annual Percentage Rate. Qualified credit. Restrictions may apply. Payment example:  pay just $18.88 per month for every $1000 borrowed at 5.00% APR on a 60-month term.


HOME EQUITY

Type

Term

APR* (as low as)

Fixed

Up to 5 years

3.99%

Fixed

Up to 7 years

4.74%

Fixed     Up to 10 years 5.74% 
Line of Credit Up to 15 years 5.00% variable

*Annual Percentage Rate. Qualified credit.  Restrictions may apply. Payment example:  pay just $18.42 per month for every $1000 borrowed at 3.99% APR on a 5 year term. Property insurance is required.

 

MORTGAGE RATES

Type

Rate Lock

APR* (as low as)

 30 Year Fixed - Conventional 45 Day Rate Lock 4.000%
 15 Year Fixed - Conventional 45 Day Rate Lock 3.375%
 30 Year Fixed - VA 45 Day Rate Lock 3.625%

Annual Percentage Rate. Qualified credit. Restrictions may apply. All rates shown are for approve/eligible loans. Loan level rate and price adjustments will affect rates above and are subject to change with-out notice. These rates may vary depending on credit score, loan amount, LTV, DTI, etc. and should only be used as guidance, not quoted. Please contact Susan Maroon, Mortgage Consultant, at 515-777-7782 for most current rates and specific program rates. 

Mortgage Loan Payment Example: $200,000 mortgage for 30 years at 4.000% APR will result in a monthly payment of $955.28.

**Taxes and insurance not included, therefore the actual payment obligation will be greater.


LIFESTYLE

Type

Term

APR* (as low as)

Signature

Up to 36 months

8.00%

Line of Credit

Up to 36 months

8.00%

*Annual Percentage Rate.  Qualified credit.  Restrictions may apply.  Payment example:  pay just $31.34 per month for every $1000 borrowed at 8.00% APR on a 36-month term.

 

SHARED SECURED

Type

Term

APR*

Share Secured

Up to 36 months

2% above deposit APY**

*Annual Percentage Rate.  Qualified credit.  Restrictions may apply.  Payment example:  pay just $28.76 per month for every $1000 borrowed at 2.25% APR on a 36-month term.

**Annual Percentage Yield.

 

CREDIT CARD

Type

APR*

Platinum MasterCard

11.90%

Onyx MasterCard

7.75%

*Annual Percentage Rate.  Qualified credit.  Restrictions may apply.

 

MasterCard Disclosure

Cardholder Agreement

 

Rates and terms shown are the best available. Rates are based on individual credit history and may include up to a 1.00% APR* discount for having certain relationship accounts with the credit union. Terms may vary based on vehicle value. 

 

Rates are subject to change without notice.