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

6.625%

6.672%

20 Year Mortgages – Purchase & Rate Term Refinance

Amount

Rate

APR*

$30,000 – $766,500

6.625%

6.687%

10 & 15 Year Mortgages – Purchase & Rate Term Refinance

Amount

Rate

APR*

$30,000 – $766,500

6.000%

6.107%

30 Year Mortgages – Cash Out Refinance

Amount

Rate

APR*

$30,000 – $766,500

6.875%

6.923%

20 Year Mortgages – Cash Out Refinance

Amount

Rate

APR*

$30,000 – $766,500

6.875%

6.937%

10 & 15 Year Mortgages – Cash Out Refinance

Amount

Rate

APR*

$30,000 – $766,500

6.250%

6.357%

Portfolio – Lot Purchase

Amount

Rate

APR*

$25,000 – $766,500

6.625%

6.672%

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

7.000%

7.071%

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.


Apply for a mortgage

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%

73 – 78 months

6.37%

79 – 84 months

6.47%

2022

Months

APR*

1 – 60 months

6.17%

61 – 66 months

6.17%

67 – 72 months

6.27%

73 – 78 months

6.37%

79 – 84 months

6.47%

2021

Months

APR*

1 – 60 months

6.47%

61 – 66 months

6.47%

67 – 72 months

6.57%

73 – 78 months

6.67%

79 – 84 months

6.77%

2020

Months

APR*

1 – 60 months

6.82%

61 – 66 months

6.82%

67 – 72 months

6.92%

73 – 78 months

7.02%

79 – 84 months

7.12%

2019

Months

APR*

1 – 60 months

7.12%

61 – 66 months

7.12%

67 – 72 months

7.22%

73 – 78 months

7.32%

2018

Months

APR*

1 – 60 months

7.42%

61 – 66 months

7.42%

67 – 72 months

7.52%

73 – 78 months

7.62%

2017

Months

APR*

1 – 60 months

7.42%

61 – 66 months

7.42%

67 – 72 months

7.52%

73 – 78 months

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%

61 – 72 months

8.64%

73 – 84 months

9.39%

Recreational Vehicles: 2015 – 2018

Months

APR*

Up to 60 months

8.64%

Recreational Vehicles: 2014 & Older

Months

APR*

Up to 60 months

10.64%

Camping Trailers, Motor Homes, 5th Wheels, & Truck Campers: 2019 & Newer

Months

APR*

Up to 60 months

8.55%

61 – 72 months

8.80%

73 – 96 months

9.05%

97 – 120 months

9.30%

121 – 180 months

9.55%

Camping Trailers, Motor Homes, 5th Wheels, & Truck Campers: 2015 – 2018

Months

APR*

Up to 60 months

8.80%

61 – 72 months

9.05%

73 – 96 months

9.30%

97 – 120 months

9.55%

121 – 180 months

9.80%

Camping Trailers, Motor Homes, 5th Wheels, & Truck Campers: 2014 & Older

Months

APR*

Up to 60 months

9.05%

61 – 72 months

9.30%

73 – 96 months

9.55%

97 – 120 months

9.80%

121 – 180 months

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

Call for current rates
10 years
Call for current rates
15 years
Call for current rates
20 years
Call for current rates

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 01/01/2024 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%

19.24 – 20.99%

UNLimited Cash – introductory offer 5.99%

19.24 – 20.99%

Smart Credit – introductory offer 5.99%

17.24 – 20.99%

STYLE LOAN RATES

Money Market Secured Loans (100% Secured)

Months

Rate

APR*

1 – 24 months

5.30%

5.30%

25 – 36 months

5.55%

5.55%

37 – 48 months

5.80%

5.80%

49 – 60 months

6.05%

6.05%

61 – 72 months

6.30%

6.30%

73 – 84 months

6.55%

6.55%

85 – 96 months

6.80%

6.80%

97 – 108 months

7.05%

7.05%

109 – 120 months

7.30%

7.30%

Anything/Happy/Lifestyle/Homestyle Loans

Months

Rate

APR*

1 – 36 months

11.79%

11.79%

37 – 48 months

12.29%

12.29%

49 – 60 months

12.79%

12.79%

61 – 72 months

13.29%

13.29%

73 – 84 months

13.79%

13.79%

85 – 96 months

14.29%

14.29%

Share Secured Loans (100% Secured)

Months

Rate

APR*

1 – 24 months

4.05%

4.05%

25 – 36 months

4.30%

4.30%

37 – 48 months

4.55%

4.55%

49 – 60 months

4.80%

4.80%

61 – 72 months

5.05%

5.05%

73 – 84 months

5.30%

5.30%

85 – 96 months

5.55%

5.55%

97 – 108 months

5.80%

5.80%

109 – 120 months

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