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Putting Your Dreams Within Reach

Fair rates and terms to help you get ahead in life

Mortgage Rates | Vehicle Rates | Home Equity Rates | Credit Card Rates | Style Loan Rates

Whether you are buying a home, refinancing a vehicle, starting a business or consolidating debt, borrowing from Community Choice Credit Union is a great way to help finance the big dreams you might not have cash for.

Make affordable monthly payments with fair rates that won’t leave you scrambling to make ends meet!

Mortgage Rates

30 Year Mortgages

Rate Origination Fee Discount Points APR
$170,000 - $417,000 4.250% 1.0% 0.000% 4.383%
$100,000 - $169,999 4.250% 1.0% 0.000% 4.417%
$30,000 - $99,999 4.375% 1.0% 0.000% 4.742%

15 Year Mortgages

Rate Origination Fee Discount Points APR
$170,000 - $417,000 4.000% 1.0% 0.000% 4.234%
$100,000 - $169,999 4.000% 1.0% 0.000% 4.293%
$30,000 - $99,999 4.125% 1.0% 0.000% 4.766%

10 Year Mortgages

Rate Origination Fee Discount Points APR
$170,000 - $417,000 4.000% 1.0% 0.000% 4.337%
$100,000 - $169,999 4.000% 1.0% 0.000% 4.423%
$30,000 - $99,999 4.125% 1.0% 0.000% 5.049%

FHA & VA, or Construction Loans

Please call 515-334-8100 for loan information.

 

 

Ask about rates on loan amounts under $30,000...


Vehicle Rates

2014 & Newer

APR
Up to 63 months 2.99%
64 - 72 months 3.54%
73 - 78 months 3.64%
79 - 84 months 3.74%

2010 - 2013 Models

APR
Up to 60 months 3.84%
61 - 66 months 4.49%
67 - 72 months 5.14%

2008 & 2009 Models

APR
Up to 48 months 5.59%
49 - 54 months 5.84%
55 - 60 months 6.09%
61 - 66 months 6.34%

2007 & Older

APR
Up to 60 months 6.84

Rates shown above reflect a discount for automatic payments. Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details. Rates effective as of June 4, 2018.

Recreational Vehicle Rates

Recreational Vehicles: 2014 & Newer

APR
Up to 60 months 4.34%
61 - 72 months 4.84%
73 - 84 months 5.59%

Recreational Vehicles: 2010 - 2013

APR
Up to 60 months 4.84%

Recreational Vehicles: 2009 & Older

APR
Up to 60 months 6.84%

Camping Trailers, Motor Homes, 5th Wheels, & Truck Campers: 2014 & Newer

APR
Up to 60 months 4.75%
61 - 72 months 5.00%
73 - 96 months 5.25%
97 - 120 months 5.50%
121 - 180 months 5.75%

Camping Trailers, Motor Homes, 5th Wheels, & Truck Campers: 2003 - 2009

APR
Up to 60 months 5.25%
61 - 72 months 5.50%
73 - 96 months 5.75%
97 - 120 months 6.00%
121 - 180 months 6.25%

Camping Trailers, Motor Homes, 5th Wheels, & Truck Campers: 2010 - 2013

APR
Up to 60 months 5.00%
61 - 72 months 5.25%
73 - 96 months 5.50%
97 - 120 months 5.75%
121 - 180 months 6.00%

Rates shown above reflect a discount for automatic payments. Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details. Rates effective as of June 4, 2018. Recreational Vehicles include ATVs, boats, jet skis, snow mobiles, and motorcycles that are titled.


Home Equity Rates

Adjustable Rate Home Equity Line of Credit (HELOC)

HELOC (Home Equity Line of Credit) rates are subject to change quarterly. Quarterly is defined as a calendar quarter beginning January 1, April 1, July 1, and October 1. Rates are prime plus .50% for lines up to 85% LTV and prime plus 1.50% for lines over 85%LTV. The maximum annual percentage rate is 15% and the minimum floor annual percentage rate is 4.25%. Other home equity options are also available. See credit union for details.

Fixed Rate Home Equity Loans

Rate
1 to 72 months Call for current rates
73 to 120 months Call for current rates

Credit Card Rates

Visa Platinum

APR
New purchases 12.00%
Balance transfers 12.00%
Cash advances 12.00%

MasterCard and Visa Classic

APR
New purchases 14.50%
Balance transfers 14.50%
Cash advances 14.50%

We use an average daily balance method (including new purchases) to calculate balances. Rates effective July 1, 2018.

See Full Credit Card Disclaimer


Style Loan Rates

Anything/Lifestyle/Homestyle Loans

Rate
1 - 36 months 8.24%
37 - 48 months 9.24%
49 - 60 months 10.24%

Money Market Secured Loans (100% Secured)

Rate
1 - 24 months 3.50%
25 - 36 months 3.75%
37 - 48 months 4.00%
49 - 60 months 4.25%

Share Secured Loans (100% Secured)

Rate
1 - 24 months 2.25%
25 - 36 months 2.50%
37 - 48 months 2.75%
49 - 60 months 3.00%

Rates shown above reflect a discount for automatic payments and loyalty pricing which includes direct deposit as of June 4, 2018.