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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

Name Rate Origination Fee Discount Points APR
$170,000 - $417,000 4.000% 1.0% 0.000% 4.131%
$100,000 - $169,999 4.000% 1.0% 0.000% 4.165%
$30,000 - $99,999 4.125% 1.0% 0.000% 4.487%

15 year Mortgages

Name Rate Origination Fee Discount Points APR
$170,000 - $417,000 3.375% 1.0% 0.000% 3.605%
$100,000 - $169,999 3.375% 1.0% 0.000% 3.663%
$30,000 - $99,999 3.625% 1.0% 0.000% 4.257%

10 year Fixed Mortgages

Name Rate Origination Fee Discount Points APR
$170,000 - $417,000 3.500% 1.0% 0.000% 3.834%
$100,000 - $169,999 3.500% 1.0% 0.000% 3.919%
$30,000 - $99,999 3.625% 1.0% 0.000% 4.540%

30 year FHA/VA Mortgages

Name Rate Origination Fee Discount Points APR
$30,001 + 3.750% 0.0% 0.000% 4.012%

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


Vehicle Rates

2012 and Newer

Name Rate
up to 63 months as low as 2.55% APR*
64 to 72 months as low as 3.10% APR*
73 to 76 months as low as 3.20% APR*

2008 to 2011 Models

Name Rate
up to 60 months as low as 3.34% APR*
61 to 66 months as low as 3.99% APR*
67 to 72 months as low as 4.64% APR*

2006 & 2007 Models

Name Rate
up to 48 months as low as 5.09% APR*
49 to 54 months as low as 5.34% APR*
55 to 60 months as low as 5.59% APR*
61 to 66 months as low as 6.09% APR*

2005 and Older

Name Rate
up to 48 months as low as 6.34% APR*

*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.


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 rage is 4.00%. Other home equity options are also available. See credit union for details.

Fixed Rate Home Equity Loans

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

Credit Card Rates

Visa Platinum

Name Rate
APR for new purchases 10.75%
APR for balance transfers 10.75%
APR for cash advances 10.75%

MasterCard and Visa Classic

Name Rate
APR for new purchases 13.25%
APR for balance transfers 13.25%
APR for cash advances 13.25%

We use an average daily balance method (including new purchases) to calculate balances.

See Full Credit Card Disclaimer


Style Loan Rates

Anything/Lifestyle/Homestyle Loans

Name Rate
1 to 36 months 7.74%*
37 to 48 months 8.74%*
49 to 60 months 9.74%*

Share Secured Loans (100% Secured)

Name Rate
1 to 24 months 2.00%*
25 to 36 months 2.25%*
37 to 48 months 2.50%*
49 to 60 months 2.75%*

Money Market Secured Loans (100% Secured)

Name Rate
1 to 24 months 3.25%*
25 to 36 months 3.50%*
37 to 48 months 3.75%*
49 to 60 months 4.00%*

*Rates shown above reflect a discount for automatic payments and loyalty pricing which includes direct deposit.