Loan Rates
Rates as of May 13, 2013
Vehicle Loans
| 2008 & Newer Cars, Trucks, Vans, ATV's, Boats & Campers |
| APR | Monthly Payment** (per $1,000 borrowed) | |
| 36 Months | *As low as 2.25% | $28.76 |
| 48 Months | *As low as 2.50% | $21.92 |
| 60 Months | *As low as 2.60% | $17.80 |
| 2006 - 2007 Cars, Trucks, Vans, ATV's, Boats & Campers |
| APR | Monthly Payment** (per $1,000 borrowed) | |
| 36 Months | *As low as 4.24% | $29.64 |
| 48 Months | *As low as 4.24% | $22.69 |
| 60 Months | *As low as 4.49% | $18.65 |
| 2000 - 2005 Cars, Trucks, Vans, ATV's, Boats & Campers |
| APR | Monthly Payment** (per $1,000 borrowed) |
|
| 36 Months | *As low as 4.99% | $29.97 |
| 48 Months | *As low as 4.99% | $23.03 |
| 60 Months | *As low as 5.99% | $19.34 |
*Rate is determined by your credit score and account relationship.
**Monthly payment is based on payment per $1,000 for APR rate and term.
Other Personal Loans
| APR | |
| Kwik Cash Line of Credit | 13.00% (minimum advance $50.00) |
| Savings Secured Loan | 3.00% |
| Share Certificate Secured Loan | 5.00% |
| Classic VISA/Master Card | 14.88% |
| Platinum VISA without Rewards | 9.99% |
| Platinum VISA with Rewards | 11.99% |
The above rates are subject to change at any time without notice. Other rates and terms are also available. Rates subject to credit approval. Contact a loan officer for other terms and conditions or to apply. 920-731-3195 or toll free at 866-731-3195
1st Mortgage Loans Home or Vacation Home Loans
| Annual Rate | APR | Monthly Payment** (Per $100,000 borrowed) |
Final Payment | ||
| Fixed | |||||
| 5 Year | 3.990% | 4.211% | $1,841.20 | $1,841.26 | |
| 7 Year | 4.120% | 4.281% | $1,372.41 | $1,372.53 | |
| 10 Year | 4.120% | 4.236% | $1,018.16 | $1,018.78 | |
| 15 Year | 4.120% | 4.200% | $745.72 | $744.75 | |
| Initial Rate | APR | Number of Months | Initial Rate followed by rate based on Current index*** | Monthly Payment** (per $100,000 borrowed) | |
| Adjustable Rate Mortgage | |||||
| 3/1 Adjustable Rate | 3.100% | 2.981% | 36 | 3.100% | $479.43 |
| Mortgage*** | 263 | 2.875% | $468.95 | ||
| (amortized over 25 years can adjust annually after 3 years) |
1 | 2.875% | $468.59 | ||
| 5/1 Adjustable Rate | 3.250% | 3.073% | 60 | 3.250% | $487.32 |
| Mortgage*** | 239 | 2.875% | $471.13 | ||
| (amortized over 25 years can adjust annually after 5 years) | 1 | 2.875% | $472.03 | ||
| 7/1 Adjustable Rate | 4.500% | 3.796% | 84 | 4.50% | $555.83 |
| Mortgage*** | 215 | 2.875% | $487.83 | ||
| (amortized over 25 years can adjust annually after 7 years) |
1 | 2.875% | $488.80 | ||
| 10/1 Adjustable Rate | 5.125% | 4.518% | 120 | 5.125% | $591.90 |
| Mortgage*** | 12 | 3.125% | $517.13 | ||
| (amortized over 25 years can adjust annually after 10 years) |
167 1 |
2.875% 2.875% |
$508.74 $509.51 |
**Monthly payment is based on payment for $100,000.00 loan and the payment shown does not include the amounts for taxes and insurance and assumes 80% Loan to Value of Property. Property insurance is required for all dwelling loans and mortgage insurance may be required for a Loan to Value greater than 80%. Actual payment obligation will be greater.
***On an Adjustable Rate Loan the initial rate is fixed for a specified number of months at the beginning of the loan term, followed by a rate and payment based on an index plus a margin of 2.75% rounded to the nearest 1/8 percentage. After the initial rate period, the rate can change once every year for the remaining term of the loan. When the rate changes, your monthly payments will increase if rates go up and decrease if rates fall. The most that the interest rate can change at each adjustment is 2.0% - either up or down based on market trends. The interest rate over the life of a loan will not increase by more than 5% above the initial interest rate.
The above rates are subject to change at any time without notice. Other rates and terms are also available. Rates subject to credit approval. Contact a loan officer for other terms and conditions or to apply. 920-731-3195 or toll free at 866-731-3195
Please consult a tax adviser for information regarding the deductibility of interest and changes.
Home Equity Loans
| Initial Rate | APR | Monthly Payment** (per $50,000 borrowed) | Final Payment | ||
| 5 Year Fixed |
2.990% | 3.026% | $898.21 | $898.39 | |
| Initial Rate | APR | Number of Months | Initial Rate followed by rate based on maximum adjustment of 1% at first adjustment |
Monthly Payment** (per $50,000 borrowed) | |
| Variable Rate*** |
|||||
|
61 - 120 Months |
4.49% | 4.516% | 24 | 4.49% | $517.95 |
| 95 | 5.49% | $518.15 | |||
| 1 | 5.49% | $517.92 | |||
| 121 - 180 Months | 5.49% | 5.511% | 24 | 5.49% | $408.28 |
| 155 | 6.49% | $408.51 | |||
| 1 | 6.49% | $408.50 |
**Monthly payment is based on payment for $50,000.00 loan and the payment shown does not include the amounts for taxes and insurance and assumes 80% Loan to Value of Property. Property insurance is a requirement of the loan. Actual payment obligation will be greater.
*** On a Variable Rate Loan the initial rate is fixed for a specified number of months at the beginning of the loan term, followed by a rate and payment based on the discretion of our Board Of Directors. After the initial rate period, the rate can change once every year for the remaining term of the loan. If the interest rate increases, your monthly payment will increase. If the interest rate decreases, your monthly payment will decrease. The most that the interest rate can change at each adjustment is 1.0% - either up or down based on market trends. The interest rate over the life of a loan will not increase by more than 5% above the initial interest rate.
The above rates are subject to change at any time without notice. Other rates and terms are also available. Rates subject to credit approval. Contact a loan officer for other terms and conditions or to apply. 920-731-3195 or toll free at 866-731-3195
Please consult a tax advisor for information regarding the deductibility of interest and changes.
Home Equity Line of Credit Loans
| Initial Rate | APR | Draw Period Number of Months | Monthly Payment** | |
| Line of Credit | 3.250% | 3.270% | 120 | 1% of the outstanding balances as of the last loan advance for line of credit < $100,000.01 until the loan is paid in full |
| (set to Prime Rate as published in the Wall Street Journal can change Quarterly) |
1.5% of the balance as of the last loan advance for line of credit > $100,000.01 until the loan is paid in full |
** Monthly payment shown does not include the amounts for taxes and insurance and assumes 80% Loan to Value of Property. Property insurance is a requirement of the loan. Actual payment obligation will be greater. The credit union may include a range of charges from $100 to $800. APR may vary and the maximum APR of 11.5% may be imposed. Line of credit draw period is 120 months with minimum initial advance of $1,000.00 followed by future advances in amounts of $500.00. The draw period will be followed by a repayment period with payment calculations remaining the same until the loan is paid in full.
The above rates are subject to change at any time without notice. Other rates and terms are also available. Rates subject to credit approval. Contact a loan officer for other terms and conditions or to apply. 920-731-3195 or toll free at 866-731-3195
Please consult a tax advisor for information regarding the deductibility of interest and charges.
Capital Credit Union also offers Construction Loans, Lot Loans, Condo Loans, Business Loans and Commercial Loans. Please contact a loan officer at 920-731-3195 or toll free at 866-731-3195 for terms and conditions and to apply.
