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Home Rates

Rates

Loan Rates



Car, Truck & Cycle Loans

Rates effective July 1, 2019


  Model Year  Term  Monthly Payment Per $1,000  APR As Low As*
2018 & newerUp to 84 months ($30,000 min.)$14.134.99%   
2015 & newer Up to 72 months$15.643.99%   
2014 & newer Up to 66 months$16.793.74%   
2013 & newer Up to 48 months$22.463.74%   
2012-2011Up to 48 months$22.924.75%   
2010 & olderUp to 36 months$30.315.75%   
* APR is Annual Percentage Rate. Rates are subject to change. Your actual rate and term is determined by your account history and credit score.






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Boats, RVs & Powersports Loans

Rates effective July 1, 2019

  Model Year   Term  Monthly Payment Per $1,000  APR As Low As*
2015 & newer (Boat & RVs) Up to 72 months$15.643.99%   
under $20,000 72 months (up to 120 mth amortization)**$10.123.99%   
$20,001 & higher 72 months (up to 180 mth amortization)**$7.393.99%   
2014 (Boat & RVs) Up to 66 months$16.793.74%   
2014 & newer (Powersports) Up to 60 months$18.303.74%   
2013 up to 48 months$22.463.74%   
2012-2011 up to 48 months$22.924.75%   
2010 & older Up to 36 months$30.315.75%   
 * APR = Annual Percentage Rate. Your account relationship and credit score determine your rate. Rates subject to change. 
 ** Boat/RV loans: Monthly payment on $20,000.00, 120-month amortization results in 71 payments of $202.50 and a final payment of $9,163.07. Monthly payment on $25,000.00, 180-month amortization results in 71 payments of $184.90 and a final payment of $16,925.99.  Ask for rates on 2013 and older. 



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Personal Loans & Line of Credit

Rates effective July 1, 2019

  Type  Term  Monthly Payment Per $1,000  APR As Low As*
Homeowners Xpress Personal Loan** Up to 84 months$15.337.490%   
Signature Loan up to 36 months$32.159.74%   
Kwik-Cash Line of Credit*** $40.0013.90%   
*APR is Annual Percentage Rate. Rates are subject to change.
** Based on 84 months and up to $30,000. For best rate, you must have checking, auto pay, direct deposit, and first mortgage with Community First Credit Union.
*** Payment is 4% of the outstanding balance.


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1st Mortgage

Rates effective July 15, 2019
 For information about other Fixed Rate or Adjustable Rate Mortgage rates click here.
  Type  Term  Monthly Payment Per $1,000  APR As Low As*
6 Year BalloonUp to 30 year amortization and 80% loan-to-value available–$20,000.00. Low closing costs on refinances. (additional cost if appraisal is required) New money minimum $20,000 for first mortgage. 1$4.353.250%   
10 Year Lock ItUp to 30 year amortization and 80% loan-to-value available. Low closing costs on refinances. (additional cost if appraisal is required) New money minimum $20,000 for first mortgage. 2$5.144.625%   
10 & Done Home Loan Up to 10 year amortization 80% LTV. Low closing costs on refinances. (additional cost if appraisal is required) New money minimum $20,000 for first mortgage. 3$9.713.125%   
*APR = Annual Percentage Rate. Some restrictions may apply. Your actual rate and term is determined by your account history and credit score.
1  Real Estate/Home Equity: Monthly payment on $100,000.00, 30-year amortization results in 71 payments of $435.20 and a final payment of $87,379.35.
2  Monthly payments on $100,000.00, 30-year amortization results in 119 payments of $514.13 and a final payment of $80,911.16.
3 Monthly payment on $100,000.00, 10-year amortization results in 119 payments of $971.38 and a final payment of $970.31.
Payments do not include taxes and insurance. Does not apply to purchase, construction, investment, commercial, land or multi family properties. All loans subject to credit approval. Rates subject to change without notice.

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Home Equity Loans / Line of Credit

Rates effective July 15, 2019



  Type  Term  Monthly Payment Per $1,000  APR As Low As*
Home Equity LoanLocked in for 6 years with up to 30 year amortization and up to 80% loan-to-value. Low closing costs. (additional cost if appraisal is required) New money minimum $20,000 for first mortgage.$20,000 new money required.**$4.353.250%   
Home Equity Line of Credit 10 year draw period up to 80% loan-to-value. Monthly payment is 1.5% of balance. Minimum line amount $10,000. Variable rate tied to Wall Street Prime Rate.$15.005.000%   
*APR = Annual Percentage Rate. Your account relationship and credit score determine your rate. Rates subject to change. 
** Real Estate/Home Equity: Monthly payment on $100,000, 30-year amortization results in 71 payments of $435.20 and a final payment of $87,379.35

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Community First Credit Union   P.O. Box 1487  Appleton, WI    54912-1487 920.830.7200    1.866.273.2328
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