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Loan Rates

New and used auto loan rates as low as 1.95% APR*.  Rates depend on credit score.  Other restrictions may apply.

Loan to value is 70% for salvage title.

Example payment:  For a $25,000 loan for a term of 60 months with a 2.45% APR, the monthly payment will be $443.15.

New Auto (2021 and newer)

**All Rates AS LOW AS the listed APR**

APR TERM AMOUNT
2.95% 84 Month 90% Sticker Price
1.95% 72 Month 90% Sticker Price
1.45% 60 Month 90% Sticker Price
1.45% 48 Month 90% Sticker Price
1.45% 36 Month 90% Sticker Price

Used Auto 2016-2020

APR Term Amount
4.45% 84 months NADA Retail Value
3.45% 72 Month NADA Retail Value
2.95% 60 Month NADA Retail Value
2.45% 48 Month NADA Retail Value
1.95% Up to 36 Month NADA Retail Value

Used Auto 2015-2010

APR Term Amount
3.95% 72 Months NADA Retail Value
3.45% 60 Month NADA Retail Value
2.95% 48 Month NADA Retail Value
2.45% 36 Month NADA Retail Value

Used Auto 2009 and older

APR Term Amount
5.45% 60 Months NADA Retail Value
4.95% 48 Month NADA Retail Value
4.45% 36 Month NADA Retail Value

On the above used vehicles, we will loan retail value based on the NADA Book Retail Value

Classic cars add 1.00%

{Motorcycles/Autos 2003 and older – ADD 1% TO ABOVE RATES, additional pricing may apply}

Note:  Actual rate depends upon individual member credit scores.

 

Home Equity

  • As low as* 2.75% APR, fixed and adjustable.  (call for rates and terms)

Home Equity Plus Loans

  • As low as* 3.25% APR, 5/1 ARM, open-ended line of credit. (call for rates and terms)
    • Rate subject to change on year six and every year after.  Floor of 2%, maximum 2% increase each year after first 5 years with a lifetime cap of 6% over initial rate.  Rate is determined by the four-week average of the One Year Treasury plus 2.50%, rounded to the nearest 0.125%
  • Cannot increase more than 2% per year or 6% over the life of the loan.
  • Mortgage loans are restricted to the State of Iowa and counties adjacent to Keokuk.

Home Loans – (Purchase and Refinance – call for rates and terms) 

 

RV, Motorhomes, Campers, Boats, Motorcycles, other titled vehicles  – (call for rates and terms) 

 

Share Secured Loans and Certificate Secured Loans –  (call for rates and terms)

 

Unsecured (Signature)

*Rates based on credit score. Loans subject to credit approval.

APR Term Amount
as low as* 8.40% 12 months Maximum of $10,000
as low as* 8.90% 24 months Maximum of $10,000
as low as* 9.40% 36 months Maximum of $10,000
as low as* 9.90% 48 months Maximum of $10,000
as low as* 10.40%* 60 months Maximum of $10,000