Loan Rates

Before making that big purchase contact us for the best rates.

Consumer Loans

Rates Effective 10/3/17. Rates subject to change. *APR = Annual Percentage Rate. Sign up for automatic payments and receive a .25% discount.
Loans Term As Low As APR*
Signature Loans ($20,000 max) Up to 60 Months 9.24%
Line of Credit ($20,000 max) 12.24%
Credit Builder ($1,000 max) 12 months 12.00%
Share Secured Up to 24 Months 6.00%
CD Secured Up to 24 Months 2.00% above CD rate

 

New & Used Auto Loans

Rates effective 10/3/17. Vehicles 2013 and older, call the Credit Union.  Autos include Cars, Trucks, and Vans. Rates depend on mileage, restrictions may apply. See CU representative for additional information. Rates subject to change. *APR = Annual Percentage Rate.  Sign up for automatic payments and receive a .25% discount.
Type Term As Low As APR*
New/Used Vehicles 2014 and newer 36 to 48 Months 2.74%
New/Used Vehicles 2014 and newer 49 to 60 Months 2.99%
New/Used Vehicles 2014 and newer 61-72 Months 4.24%
New/Used Vehicles 2014 and newer 73-84 Months ($25,000 or more) 5.24%

Recreational Equipment

Rates Effective 10/3/17. Rates Subject To Change. Sign up for automatic payments and receive a .25% discount. *APR = Annual Percentage Rate
Type Loan Amount Term As Low As APR*
New & Used Boats, Jet Ski, RV & ATV Less Than $20,000 Up to 60 Months 5.74%
New & Used Boats, Jet Ski, RV & ATV More Than $20,000 61 – 72 Months 5.74%
New & Used Boats, Jet Ski, RV & ATV More Than $25,000 73 – 84 Months 6.24%
New & Used Boats, Jet Ski, RV & ATV More Than $40,000 85 – 96 Months 6.24%
New & Used Boats, Jet Ski, RV & ATV More Than $40,000 97 – 120 Months 6.74%
New & Used Boats, Jet Ski, RV & ATV More Than $40,000 121 – 144 Months 7.24%
New & Used Motorcycles Less Than $25,000 12 – 72 Months 5.74%
New & Used Motorcycles More Than $25,001 73 – 84 Months 6.74%

 

Home Equity Loans

Rates effective 6/1/18. Rates are subject to change. Rates increase with the term and are based on creditworthiness. Additional terms and rates available. See Credit Union Representative for details.  *Sign up for automatic payments and receive a 0.25% discount. **APR = Annual Percentage Rate.  ***Minimum payment of 1.00% of outstanding balance no less than $100. At the end of the 5-year repayment, a balloon payment may result. Maximum loan rate of 17.99%. † The Annual Percentage Rate (APR) is based on the highest Prime Rate as published in the Money Rates section of the Wall Street Journal on the 5th day of the last month prior to each calendar quarter (January, April, July, October). The APR is the index (Prime) plus the margin of zero. Prime Rate was 4.50% APR as of March 5, 2018. The maximum APR is 17.99%. The minimum line amount is $5,000 up to a maximum of $250,000. Initial advance of $2,500 is required. Payment is 1% of the balance and is due monthly, with a minimum payment of $100. HELOC will have a ten year draw period with an additional five years to repay. Maximum loan-to-value (LTV) based on credit rating up to 100%. Valid for owner-occupied dwellings in Missouri and Illinois. Consult a tax advisor for tax deductibility. ◊Valid for an owner-occupied dwelling. Minimum loan amount of $2,500.
Fixed Rate Loan Amount Term APR**
Home Equity Loan* $10,000 min 8 Years (Up to 90% Max CLTV) as low as 4.24%
$10,000 min 15 Years (Up to 90% Max CLTV) as low as 4.75%
HELOC*** $10,000 min 10 Year Draw, 5 Year Repayments (Up to 90% LTV) 4.75% based on Wall Street Prime †
Home Improvement Loan*◊ $2,500 to $9,999 Up to 180 months as low as 5.99%
$10,000 to $25,000 Up to 180 months as low as 6.99%

 

First Mortgage Loans

First Mortgage Loans available with low rates and flexible terms. Contact the CU for current rates. 636-916-8300 – This is not an advertisement to extend credit under Reg. Z. All loans subject to approval.
Flexible Mortgage Loans Term APR

 

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