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 - 2019 | Per $1,000 | 2016 - 2018 | Per $1,000 | 2014 - 2015 | Per $1,000 | 2013 - Older | Per $1,000 |
|---|---|---|---|---|---|---|---|---|
| 12 MONTHS | 5.99% | $85.83 | 6.49% | $86.18 | 8.49% | $86.43 | 9.49% | $87.68 |
| 24 MONTHS | 5.99% | $44.09 | 6.49% | $44.43 | 8.49% | $44.68 | 9.49% | $45.91 |
| 36 MONTHS | 6.24% | $30.19 | 6.99% | $30.5 | 8.74% | $31.33 | 9.99% | $32.26 |
| 48 MONTHS | 6.24% | $23.25 | 7.24% | $23.60 | 8.74% | $24.41 | 10.49% | $25.36 |
| 60 MONTHS | 6.74% | $19.21 | 7.49% | $19.68 | 9.49% | $20.75 | 10.99% | $21.49 |
| 72 MONTHS | 7.14% | $16.69 | 7.74% | $17.16 | 72 Month Term - Minimum Loan Amount $25,000 | |||
| 84 MONTHS | 8.14% | $15.09 | 8.49% | $15.58 | 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 | 5.99% | $10.98 | 6.375% | $8.57 | 6.625% | $7.46 | 6.875% | $6.65 |
| FIXED RATE & TERM | 6.250% | $11.35 | 6.625% | $8.92 | 6.875% | $7.90 | 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 | 6.250% | $19.33 | 6.750% | $11.23 | 7.250% | $8.99 |
| 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 | 11.99% | $21.49 | $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 | 3.99% | $18.41 | 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 | Term |
|---|---|---|---|
| 0.50% | 0.10% | 0.75% ($2,500 Min.) 2.50% ($5,000 Min.) 1.50% (Kids - $250 Min.) | 12 Months |
