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
Origination fee and discount points are 0.0%. APR = Annual Percentage Rate. All listed mortgage rates subject to change at any time. Actual rate may be higher based on credit history, occupancy, and Loan-to-Value (LTV) of collateral. The payment example does not include taxes or insurance and the actual payment obligation may be greater. Minimum down payment subject to investor guidelines or loan type.
25-30 Year Mortgages – Purchase & Rate Term Refinance
Amount
Rate
APR*
$30,000 – $766,500
6.750%
6.797%
20 Year Mortgages – Purchase & Rate Term Refinance
Amount
Rate
APR*
$30,000 – $766,500
6.375%
6.436%
10 & 15 Year Mortgages – Purchase & Rate Term Refinance
Amount
Rate
APR*
$30,000 – $766,500
6.250%
6.326%
30 Year Mortgages – Cash Out Refinance
Amount
Rate
APR*
$30,000 – $766,500
7.125%
7.173%
20 Year Mortgages – Cash Out Refinance
Amount
Rate
APR*
$30,000 – $766,500
7.000%
7.062%
10 & 15 Year Mortgages – Cash Out Refinance
Amount
Rate
APR*
$30,000 – $766,500
6.875%
6.952%
Portfolio – Lot Purchase
Amount
Rate
APR*
$25,000 – $766,500
6.750%
6.797%
Portfolio – Construction
Amount
Rate
APR*
$25,000 – $766,500
6.875%
6.923%
Construction loans available as 12 month terms with interest-only payments. See Credit Union for details.
Portfolio – 10-10-10 Mortgages
Amount
Rate
APR*
$25,000 – $726,200
7.500%
7.572%
CCCU’s 10-10-10 mortgage balloons after 119 months with two optional ten year renewal periods. See Credit Union for Details.
FHA, VA, or USDA Loans
Please call 515-334-8100 for loan information.
Ask a representative for complete terms and conditions.
Payment Example (per $1,000 borrowed):
Product
Loan Amount
Rate
APR*
Payment per $1,000
30 Year Mortgage
$100,000
6.250%
6.365%
$6.16
20 Year Mortgage
$100,000
6.125%
6.277%
$7.24
15 Year Mortgage
$100,000
5.875%
6.064%
$8.37
10 Year Mortgage
$100,000
5.875%
6.143%
$11.04
VEHICLE RATES
2023 & Newer
Months
APR*
1 – 36 months
5.57%
37 – 66 months
6.17%
67 – 72 months
6.27%
6.37%
6.47%
2022
Months
APR*
1 – 60 months
6.17%
61 – 66 months
6.17%
67 – 72 months
6.27%
6.37%
6.47%
2021
Months
APR*
1 – 60 months
6.47%
61 – 66 months
6.47%
67 – 72 months
6.57%
6.67%
6.77%
2020
Months
APR*
1 – 60 months
6.82%
61 – 66 months
6.82%
67 – 72 months
6.92%
7.02%
7.12%
2019
Months
APR*
1 – 60 months
7.12%
61 – 66 months
7.12%
67 – 72 months
7.22%
7.32%
2018
Months
APR*
1 – 60 months
7.42%
61 – 66 months
7.42%
67 – 72 months
7.52%
7.62%
2017
Months
APR*
1 – 60 months
7.42%
61 – 66 months
7.42%
67 – 72 months
7.52%
7.62%
2016
Months
APR*
1 – 60 months
7.42%
61 – 66 months
7.42%
67 – 72 months
7.52%
2015
Months
APR*
1 – 60 months
7.42%
2013 & 2014
Months
APR*
1 – 48 months
10.17%
2012 & Older
Months
APR*
1 – 48 months
10.27%
Vehicle rates shown above reflect a discount for automatic payments and direct deposit of entire paycheck into a Community Choice checking account. 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 January 1, 2024.
Apply for a vehicle loan or refinance your current loan
RECREATIONAL VEHICLE RATES
Recreational Vehicles: 2019 & Newer
Months
APR*
Up to 60 months
8.14%
8.64%
9.39%
Recreational Vehicles: 2015 – 2018
Months
APR*
8.64%
Recreational Vehicles: 2014 & Older
Months
APR*
10.64%
Camping Trailers, Motor Homes, 5th Wheels, & Truck Campers: 2019 & Newer
Months
APR*
8.55%
8.80%
9.05%
9.30%
9.55%
Camping Trailers, Motor Homes, 5th Wheels, & Truck Campers: 2015 – 2018
Months
APR*
8.80%
9.05%
9.30%
9.55%
9.80%
Camping Trailers, Motor Homes, 5th Wheels, & Truck Campers: 2014 & Older
Months
APR*
9.05%
9.30%
9.55%
9.80%
10.05%
Recreational vehicle rates shown above reflect a discount for automatic payments and direct deposit of entire paycheck into a Community Choice checking account. 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 January 1, 2024. Recreational Vehicles include ATVs, boats, jet skis, snow mobiles, and motorcycles that are titled.
Apply for a Recreational Vehicle Loan
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 Wall Street Journal Prime (WSJP) plus 0.50% for lines up to 85% LTV and WSJP plus 1.50% for lines over 85% LTV. The maximum annual percentage rate is 15% and the minimum floor annual percentage rate is 4.00%. Other home equity options are also available. See credit union for details.
Fixed Rate Home Equity Loans
Years
Rate
5 years
CREDIT CARD RATES
Credit UNcomplicated – 5.99% Intro APR*
i. *5.99% intro APR applies to all purchases and balance transfers on Priority Plus and UNLimited Cash cards only for the first 12 months from account opening. 5.99% intro APR only on balance transfers for Smart Card. Thereafter, the regular APR will apply (as low as 17.24% – 20.99% for SMART Credit, UNLimited Cash and Priority Plus; depending on product type selected). Regular APR dependent on creditworthiness and approval is subject to credit score and analysis. APR = Annual Percentage Rate. Rates listed are as of 04/01/2024 and will vary with the market based on the U.S. Prime Rate as published in the Wall Street Journal.
Credit Card
APR
Priority Plus – introductory offer 5.99%
UNLimited Cash – introductory offer 5.99%
Smart Credit – introductory offer 5.99%
STYLE LOAN RATES
Money Market Secured Loans (100% Secured)
Months
Rate
APR*
5.30%
5.30%
5.55%
5.55%
5.80%
5.80%
6.05%
6.05%
6.30%
6.30%
6.55%
6.55%
6.80%
6.80%
7.05%
7.05%
7.30%
7.30%
Anything/Happy/Lifestyle/Homestyle Loans
Months
Rate
APR*
11.79%
11.79%
12.29%
12.29%
12.79%
12.79%
13.29%
13.29%
13.79%
13.79%
14.29%
14.29%
Share Secured Loans (100% Secured)
Months
Rate
APR*
4.05%
4.05%
4.30%
4.30%
4.55%
4.55%
4.80%
4.80%
5.05%
5.05%
5.30%
5.30%
5.55%
5.55%
5.80%
5.80%
6.05%
6.05%
Rates shown above reflect a discount for automatic payments and direct deposit into a Community Choice checking account as of October 2, 2023.
Apply for:
* APR = Annual Percentage Rate