Loan Rates

New and used auto loan rates as low as 1.95% APR*.  Rates are dependent upon credit score.  Other restrictions may apply. 70% for salvage title.

New Auto (2017 and newer)

APR Term Amount
4.45% 72 Month 90% Sticker Price
3.95% 60 Month 90% Sticker Price
3.45% 48 Month 90% Sticker Price
2.95% 36 Month 90% Sticker Price

Used Auto 2012-2016

APR Term Amount
4.95% 72 Month NADA Retail Value
4.45% 60 Month NADA Retail Value
3.95% 48 Month NADA Retail Value
3.45% 36 Month NADA Retail Value

Used Auto 2011-2008

APR Term Amount
4.95% 60 Month NADA Retail Value
4.45% 48 Month NADA Retail Value
3.95% 36 Month NADA Retail Value

Used Auto 2007 and older

APR Term Amount
6.45% 48 Month NADA Retail Value
5.95% 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%

Note: These are “Base” Interest Rates. Actual rate depends upon individual member credit scores.

 

Home Equity

  • As low as* 3.25% APR, fixed and adjustable.  (call for rates and terms)

 

Home Equity Plus Loans

  • As low as* 5.25% 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* 7.90% 12 months Maximum of $10,000
as low as* 8.90% 24 months Maximum of $10,000
as low as* 9.90% 36 months Maximum of $10,000
as low as* 10.90% 48 months Maximum of $10,000
as low as* 11.90%* 60 months Maximum of $10,000