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Rates

Loan Rates



Vehicle Loans

Rates effective September 1, 2018


  Model Year  Term  Monthly Payment Per $1,000  APR As Low As*
2017 & newer Up to 66 months$16.563.240%   
2017 & newer Up to 72 months$15.533.740%   
2017 & newerUp to 84 months ($30,000 min.)$14.014.740%   
2014 & newerUp to 72 months$15.533.740%   
2013 & newer Up to 66 months$16.563.240%   
2012 Up to 48 months$22.243.240%   
2010-2011Up to 48 months$22.804.500%   
2009 & olderUp to 36 months$30.205.500%   
* 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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Recreational Vehicle Loans

Rates effective September 1, 2018

  Model Year   Term  Monthly Payment Per $1,000  Apr As Low As*
2014 & newer Boat, RVUp to 66 months$16.563.240%   
$15,000-$20,000 72 months (up to 120 mth amortization) **$10.003.740%   
$20,001 & higher 72 months (up to 180 mth amortization) **$7.273.740%   
Snowmobiles, ATVs, Jet Skis, Cyclesup to 60 months$18.083.240%   
 * 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 $195.46 and a final payment of $8,973.42 Monthly payment on $25,000.00, 180-month amortization results in 71 payments of $175.64 and a final payment of $16,598.85.  Ask for rates on 2013 and older. 



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Personal Loans

Rates effective September 1, 2018

  Type  Term  Monthly Payment Per $1,000  APR As Low As*
Signature LoanUp to 36 months$32.159.740%   
Kwik-Cash Line of Credit** $40.0013.90%   
Homeowners Xpress Personal Loan***  $15.096.990%   
*APR is Annual Percentage Rate. Rates are subject to change. Your actual rate and term is determined by your account history and credit score.
** Payment is 4% of the outstanding balance
*** 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.


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1st Mortgage

Rates effective September 1, 2018
 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-ZERO Closing Costs with Checking & Direct Deposit (additional fee may apply if appraisal is required) - $20,000 New Money Required for first mortgages. 1$4.633.740%   
10 Year Lock ItUp to 30 year amortization and 80% loan-to-value available- $500 Closing Costs on refinances. (additional cost if appraisal is required) New money minimum $20,000 for first mortgage. 2$5.004.445%   
10 & Done Home Loan Up to 10 year amortization 80% LTV. $500.00 closing costs on refinance, (additional cost if appraisal required), Minimum loan amount $20,000.00. 3$10.184.109%   
*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 119 payments of $499.56 and a final payment of 80,272.22
2  Monthly payments on $100,000.00, 10-year amortization results in 119 payments of $1013.02 and a final payment of $961.03
3 Monthly payment on $100,000.00, 30-year amortization results in 71 payments of $462.80 and a final payment of $88,308.75
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 Line of Credit

Rates effective September 1, 2018


  Home Equity   Term  Monthly Payment Per $1,000  APR As Low As*
Line of Credit Up to 80% LTV, 10 year draw period.$15.004.500%   
Payment is 1.5% of the outstanding balance. Minimum line amount $10,000.  Variable rates tied to  Wall Street Prime Rate .
*APR = Annual Percentage Rate. Your account relationship and credit score determine your rate. Rates subject to change.

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