Rates


Signature/Personal Loan

As Low As 11.49% APR

Effective 09/07/23. Rates and terms vary up to 60 months

Share Certificate

 

Term APY*
6 Month  .30%
12 Month 5.20%
18 Month 1.00%
24 Month 1.50%
36 Month 3.25%
48 Month 1.00%
60 Month 1.51%
Minimum balance of $500 required to earn dividends.
*APY: Annual Percentage Yield is accurate as of 3/01/23. Rates are subject to change without notice. Minimum term 6 mos. Penalty for early withdrawal. The credit union reserves the right to exclude special rates to only include new money brought into the credit union only (no account transfers) – please inquire. Please call 563-388-8328 for current rates or additional details.

Real Estate Loans –

All Rates are disclosed as Annual Percentage Rate (APR) and “As Low As” – for best credit worthiness
Updated 05/08/2023
Mortgage Loans

Adam Lounsberry, Mortgage Specialist NMLS #463993 (563) 888-9670

Bill Rossow, Mortgage Specialist NMLS # 502393 (563) 210-2787

1st Mortgage – Please call 563-388-8328 for today’s rates

Fixed Rate Mortgage Loans

Term Rate APR* Payment/$1K financed*
30 Year Rates Change Daily** Changes per Daily Rate
20 Year Rates Change Daily** Changes per Daily Rate
30 Year Fixed FHA Rates Change Daily** Changes per Daily Rate
30 Year Fixed VA Rates Change Daily** Changes per Daily Rate
30 Year Fixed USDA Rates Change Daily** Changes per Daily Rate
15 Year 6.750% 6.855% $8.85
10 Year 6.250% 6.396% $11.23
15 Year Investment 7.750% 7.858% $9.40
*APR = Annual Percentage Rate. This example uses a purchase price of $200,000, 20% down payment and a loan amount of $160,000.
Payment sample amounts do not include closing costs, real estate taxes, property or flood insurance; Payment amounts vary if these are required.
Rates may vary, based on loan amounts, subject property, loan qualification and credit scores. The actual payment obligation may be greater. First mortgage rates are reviewed quarterly. Updated 12/22/22
**For complete information or rate quotes contact a Mortgage Specialist at 563-210-2787 or 563-888-9670

Adjustable Rate Mortgage Loans

Term Rate APR* Payment Example*
10/1 7.240% 8.457% $6.82
5/1 6.990% 7.164% $6.65
*APR = Annual Percentage Rate. This example uses a purchase price of $200,000, 20% down payment and a loan amount of $160,000.
Payment sample amounts do not include closing costs, real estate taxes, property or flood insurance; Payment amounts vary if these are required.
Rates may vary, based on loan amounts, subject property, loan qualification and credit scores. The actual payment obligation may be greater. First mortgage rates are reviewed quarterly. Secondary Market Mortgage rates quoted are subject to change without notice and are known to change several times per day. Please contact the credit union for today’s rates. Updated 12/21/22
**For complete information or rate quotes contact a Mortgage Specialist at 563-888-9670 or 563-210-2787

Variable Rate Home Equity Loans
All rates are stated “As Low As” – Updated 10/02/2023

15 Year HELOC (In-House)** 

  • Rate: 8.50% APR

Fixed Rate Home Equity Loans
All rates are stated “As Low As” Updated 09/07/2023

For less than 60 months~

  • Rate: 6.99% APR

 61 – 120 Months~

  • Rate: 7.99% APR

For longer than 120 Months~

  • Rate: 8.74% APR

~Fixed Rate Home Equity, stated as Annual Percentage Rate (APR). Taxes and insurance premiums are not included in the payment and the actual payment if applicable will be greater.

  • 60 months at 6.99% APR equal payments of $19.80 per $1,000 borrowed
  • 120 months at 7.99% APR equals payments of $14.28 per $1,000 borrowed
  • 121+ months at 8.74% APR equals payments of $9.99 per $1,000 borrowed

Home Improvement Loans
All rate are quoted “As Low As” Updated 09/07/2023

  • Annual Percentage Rate (APR) under $25,000 (No Mortgage Filed):
    • 12.74% APR up to 36 months – Payments per $1,000 are $33.57
    • 13.24% APR up to 48 months – Payments per $1,000 are $26.91
    • 13.74% APR up to 60 months – Payments per $1,000 are $23.14
  • Annual Percentage Rate (APR) over $25,000  plus Loan to Value 100% (Mortgage is Filed):
    • 11.74% APR up to 60 months – Payments per $1,000 are $22.12
    • 12.24% APR up to 84 months – Payments per $1,000 are $17.79
    • 12.74% APR up to 120 months – Payments per $1,000 are $14.78
  • Variable Annual Percentage Rate (80.1 to 100% Loan To Value): As low as 11.25% APR – Floor 7.75% APR

 

**Variable Rate Home Equity – Annual Percentage Rate (APR) may increase after consummation of the loan. All loans are subject to approval. Rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness, qualifications, and collateral conditions. Rates are provided as a sampling, using a scenario of a $125,000 purchase, 20% down, the loan amount of $100,000, with good credit (lower down payment options available).Example of repayment of a Variable Home Equity at the stated rate and term:

  • 8.50% APR payments of $9.85 per $1,000 borrowed
  • 60 month draw period

Share Rates

Share Minimum Balance Requirement* APY*
Regular Shares $100 – $2,000 .15%
Regular Shares $2,000 .20%
CU Succeed Teen Club $100 .15%
Kirby Kangaroo Club $100 .15%
Tiered Accounts Minimum Balance Requirement* APR*
Balances to earn dividends up to $1,500 – $24,999 .30%
Balances to earn dividends up to $25,000 – $49,999 .40%
Balances to earn dividends up to $50,000 – $99,999 .50%
Balances to earn dividends over $100,000 .55%
Other Accounts Minimum Balance Requirement* APY*
IRA $100 .20%
Christmas Club $100 .15%
Health Savings .20%
Thrift Shares $100 .15%
*Minimum balance required to earn dividends
APR: Annual APY: Annual Percentage Yield. Accurate as of 7/1/2021. Minimum daily balance to earn must be maintained each day to get this APY. Dividends are calculated daily and credited and compounded monthly. Rates, terms, and conditions are subject to change without notice. Available to small business and member accounts only.
TIA quoted is: Interest “As High As”. Christmas Club one free withdrawal per year, $3 fee for all additional withdrawals.

Checking Accounts

Share *Minimum Requirements to earn dividends APY*
Share Draft Accounts $2,500 0.05%
Young Adult Account $500, up to $5,000 average monthly balance 2.50%
*Minimum balance required to earn dividends. APY: Annual Percentage Yield. Rates accurate as of 3/2/2021 No minimum deposit required to open a regular share draft account. Young Adult Debit Account.  For ages 13 up to 26. To qualify, must also be enrolled in e Statements. The Bonus dividend will paid at the beginning of each month to accounts that qualify from the proceeding month and dividends will be deposited into the share draft account.


Fees

Vehicle Loans

Loan APR% As Low As**
New & Used Vehicles,
Trucks, Motorcycles*
2021 – 2024
6.49 up to 48 months

6.99% up to 60 months.

7.49% up to 72 months

7.99% 84 months available on lower mileage vehicles
Used Vehicles & Motorcycles* 2017 – 2020 7.49% up to 48 months

7.99% up to 60 months

8.49% up to 72 months (available 2019/20 only)

Used Vehicles & Motorcycles*
2016 and older
9.24% up to 36 months

9.49% up to 48 months

9.99% up to 60 months

New & Used Boats, RVs,
Campers*
2021 – 2024
8.24%
Used Boats, RVs,
Campers*
2017 and 2020
9.24%
Used Boats, RVs,
Campers*
2016 and older
 10.99%
**Rates Effective 12/11/23. Rates are stated as annual percentage rates (APR).
*Fixed APR for up to 60 months includes a 10% down payment. For a $25,000 new auto loan with a term of 60 months and 6.49% APR, the monthly payment will be $489.12.
All loans are subject to approval and may vary based on creditworthiness, qualifications and collateral conditions.
Rates are based on loans of $2,500 or more. Loans for less than $2,500 will be granted at Signature Rates. Rates are subject to change without notice. Please call for current rates.