Loan Rates

Loan Specials

Auto & Truck Loan rates as low as 1.49% APR*. Click here for details.
Apply online today!

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

Rates

AUTOS

Model Year

Term

APR* (as low as)

2016 & 2017 over $30,000

84 months

3.24%

2013 & newer

36 months

1.49%

 

48 months

1.74%

 

60 months

2.24%

 

72 months

2.74%

2012 & 2011

36 months

1.74%

 

48 months

1.99%

 

60 months

2.99%

 

72 months

3.49%

2010 & 2009

36 months

2.74%

 

48 months

3.24%

 

60 months 

3.74%

2008-2006

36 months

4.74%

 

48 months

5.24%

 

60 months

5.74%

2005-2001

36 months 

5.99% 

 
*Annual Percentage Rate. Qualified credit. Restrictions may apply. Payment example:  pay just $28.42 per month for every $1000 borrowed at 1.49% APR on a 36-month term.

MOTORCYCLES

Model Year

Term

2012 & newer        

With terms up to 72 months and APR* as low as 2.74%

2010 & 2011

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

2008 & 2009

With terms up to 60 months and APR* as low as 3.49%

2007 & older 

With terms up to 48 months and APR* as low as 4.75%

 
*Annual Percentage Rate. Qualified credit. Restrictions may apply. Payment example:  pay just $28.97 per month for every $1000 borrowed at 2.74% APR on a 36-month term.

BOAT & RVs

Model Year

Term

APR* (as low as)

2011 & newer under $20,000

Up to 60 months

4.75%

2011 & newer over $20,000

Up to 84 months

4.75%

2011 & newer over $30,000 

Up to 120 months

4.75%

2010 & older under $20,000

Up to 60 months

4.75%

2010 & older over $20,000

Up to 72 months

4.75%

2010 & older over $30,000

Up to 120 months

4.75% 

 

*Annual Percentage Rate. Qualified credit. Restrictions may apply. Payment example:  pay just $18.76 per month for every $1000 borrowed at 4.75% 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

3.500%

 

*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 Tim Wells, Mortgage Consultant, at 515-777-7802, NMLS #64375 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 approximately $955.23.

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

LIFESTYLE

Type

Term

APR* (as low as)

Signature

Up to 60 months

8.00%

Line of Credit

Up to 60 months

8.00%

 

*Annual Percentage Rate. Qualified credit. Restrictions may apply. Payment example:  pay just $20.29 per month for every $1000 borrowed at 8.00% APR on a 60-month term. Minimum monthly payment is $75.

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 0.50% APR* discount for having certain relationship accounts with the credit union, plus credit life and credit disability or credit life, credit disability and involuntary unemployment. Terms may vary based on vehicle value. 

Rates are subject to change without notice.