As Low As 11.00% APR
|Minimum balance of $500 required to earn dividends.
*APY: Annual Percentage Yield
Rates are subject to change without notice. Minimum term 6 mos. Penalty for early withdrawal.
Please call 563-388-8328 for current rates. Updated 3/16/20
Mortgage Loan Types/Details
Please call for today’s rates
Adam Lounsberry, Mortgage Specialist, (563) 388-8328 ext. 9415
Bill Rossow, Mortgage Specialist, (563) 210-2787
Payments Per Thousand Borrowed:
Variable Rate Home Equity Loans^
Fixed Rate Home Equity Loans for less than 60 months~
Fixed Rate Home Equity Loans 61 – 120 Months~
Fixed Rate Home Equity Loans for longer than 120 Months~
Home Improvement Loans (quoted as low as)
|Mortgage rates quoted are subject to change without notice and are known to change several times per day. Mortgage rates are provided as a sampling of what rates are, using a scenario of a $125,000 purchase, 20% down, the loan amount of $100,00, with good credit (lower down payment options available). Closing costs, real estate taxes and property or flood insurance, if required, are not included. Rates may vary, based on loan amounts, subject property, loan qualification, credit scores and other variables.
^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.1st Mortgage Rates updated quarterly.**These in-house products qualify for our First Time Home buyers Program which entitles members to $250.00 off closing costs, counseling which covers 1 required trade line.
~Example of repayment of a fixed Home Equity based on a loan amount of $100,000, at the stated rates and terms
Taxes and insurance premiums are not included in the payment and the actual payment if applicable will be greater
|Share||Minimum Balance Requirement*||APY*|
|Regular Shares||$100 – $2,000||.15%|
|CU Succeed Teen Club||$100||.15%|
|Kirby Kangaroo Club||$100||.15%|
|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%|
|*Minimum balance required to earn dividends
APY: Annual Percentage Yield. Accurate as of 2/11/2019. 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”
|Share||*Minimum Requirement to earn dividends||APY*|
|Share Draft Accounts||$2,500||0.05%|
|*Minimum balance required to earn dividends. APY: Annual Percentage Yield. Rates accurate as of 1/1/2014|
|Loan||APR% As Low As**|
|New & Used Vehicles,
2017 – 2020
|2.24% up to 48 months
2.99% up to 60 months.
3.49% 72 months
|4.24% 84 months available on lower mileage vehicles|
|Used Vehicles & Motorcycles* 2013 – 2016||3.49% up to 48 months
3.74% up to 60 months (72 months available 2015/16 only)
|Used Vehicles & Motorcycles*
2012 and older
|6.24% up to 36 months
Other terms/rates available
|New & Used Boats, RVs,
2017 – 2019
|Used Boats, RVs,
2013 and 2016
|Used Boats, RVs,
2012 and older
|**Rates Effective 03/15/20. Rates are stated as annual percentage rates (APR).
*Fixed APR for up to 60 months includes a 10% down payment. For a $15,000 auto loan with a term of 60 months and 3.24% APR, the monthly payment will be $272.
LIFE member loans could include an additional .20% discount off.
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.