Rates


For the most current rates, please contact the credit union at (715) 675-8296 or (800) 864-4825. We may match competitors' rates, and in many instances, even beat their rates by .25%.

New or Used Auto/Rec Loans

Term New - 2015 Per $1,000 2011 - 2014 Per $1,000 2007 - 2010 Per $1,000 2006 - Older Per $1,000
12 MONTHS 2.49% $84.46 3.09% $84.73 4.64% $85.44 6.74% $86.36
24 MONTHS 2.49% $42.76 3.09% $43.02 4.64% $43.71 6.99% $44.72
36 MONTHS 2.89% $29.03 3.49% $29.29 4.89% $29.92 7.24% $30.94
48 MONTHS 3.14% $22.20 3.69% $22.43 5.14% $23.09 7.49% $24.12
60 MONTHS 3.59% $18.22 3.89% $18.35 5.79% $19.24 7.99% $20.21
72 MONTHS 3.94% $15.60 4.49% $15.87 72 Month Term - Minimum Loan Amount $25,000
84 MONTHS 4.99% $14.13 5.99% $14.60 84 Month Term - Minimum Loan Amount $25,000

Collateral value determined by taking an average of NADA clean/average trade value with retail value OR Dealer Contract value.Minimum $1,000 finance value for any collateral accepted on loans. Full coverage insurance is required on all collateral. Blended rates will be used when loan amount is over 100% LTV (value determined as explained above). 100% financing available on vehicles to qualified members with 1.00% added to interest rate.


Mortgage Loans

Loan Type 10 YEARS Per $1,000 15 YEARS Per $1,000 20 YEARS Per $1,000 30 YEARS Per $1,000
5 YEAR DEMAND LOAN 4.000% $10.11 4.375% $7.57 4.750% $6.44 4.875% $5.26
FIXED RATE & TERM 4.250% $10.23 4.875% $7.82 5.125% $6.64 N/A N/A

Home Equity Loans

Loan Type 5 YEARS Per $1,000 10 YEARS Per $1,000 15 YEARS Per $1,000
FIXED RATE & TERM 4.50% $18.64 5.00% $10.61 5.50% $8.17
Max Loan Max LTV Discount
$30,000 90% 0.50% IF LTV < 80%

Other Loans/Lines

Loan Type Term Rate Per $1,000 Max Loan
UNSECURED LOANS (Signature) ≤ 60 Months 9.75% $21.12 $10,000.00
KWIK CASH (KC) Line of Credit Revolving 12.00% $22.24 $5,000 per Member
KWIK CASH (KQ) Preferred LOC Revolving 8.00% $20.28 $10,000 per Member
SHARE SECURED ≤ 60 Months 2.99% $17.96 Unlimited

To the terms & conditions outlined here and in the policy may be modified on a case by case basis at the President, Board, and/or Loan Officer's discretion. All calculated costs per $1,000 are approximate calculations.


Deposits

Shares Share Draft CD's
0.50% 0.10% 0.75% ($2,500 Min.)
1.25% ($5,000 Min.)
1.50% (Kids - $250 Min.)