loan rates
rates effective as of december 16, 2024
Mortgage Loans
|
Term |
Rate |
Annual Percentage Rate |
| 10 Year Fixed | 6.375% | 6.883% |
| 15 Year Fixed | 6.500% | 6.863% |
| 20 Year Fixed | 6.875% | 7.172% |
| 30 Year Fixed | 7.000% | 7.229% |
*Mortgage Quick Pricer does not imply approval or a definitive rate quote.
**Mortgage Rates are subject to change frequently and without notice. Rates listed above are our lowest available at the time of posting and may not be available to all borrowers. For most current rates, please call our Mortgage Team at 309.661.1166 or email them This email address is being protected from spambots. You need JavaScript enabled to view it. .
**APR (Annual Percentage Rate) based on $100,000 loan. On a 30-year fixed at 4.500%, the monthly payment would be $5.06 per $1000 financed. Your rate is determined by individual circumstances and may be higher. Closing cost, mortgage insurance and taxes are additional costs and may raise your payment obligation. Up to 97% Loan to Value (LTV) available for purchases by qualified buyers. Up to 95% LTV available for rate/term refinances. Up to 80% LTV available for cash-out refinances.
Approximate time for most transactions is less than 45-60 days.
SECOND MORTGAGES
FIXED-RATE SECOND MORTGAGES
|
Term |
Rate |
Annual Percentage Rate |
| 3 Year Fixed | 7.03% |
7.73% |
|
5 Year Fixed |
7.33% | 7.99% |
| 7 Year Fixed | 8.33% |
8.83% |
| 10 Year Fixed | 8.88% |
9.24% |
|
15 year Fixed |
9.43% | 9.71% |
Rates are fixed and based on a second mortgage for $50,000. ($50 in loan fees included with APR) with a loan to value of 80% and 730 credit score.
**Mortgage Rates are subject to change frequently and without notice. Rates listed above are our lowest available at the time of posting and may not be available to all borrowers. For most current rates, please call our Mortgage Team at 309.661.1166 or email them This email address is being protected from spambots. You need JavaScript enabled to view it. .
Approximate time for most second mortgage transactions is 30 days.
HOME EQUITY LINE OF CREDIT (HELOC)
|
Type of Second Mortgage |
Annual Percentage Rate |
|
Home Equity Line of Credit (Up to 80% LTV) |
Rates start at 7.750% |
| Home Equity Line of Credit (>80% LTV) | Rates start at 8.250% |
Up to 80% Loan to Value (LTV) is available to qualified buyers. Rate is determined by individual circumstances and may be higher. Rates are our lowest available as of the date above and are subject to change without notice. HELOC = Home Equity Line of Credit.
Approximate time for most second mortgage transactions is 30 days.
Vehicle and Boat Loan Rates
|
Model Year |
Term |
Annual Percentage Rate |
| 2024-2025 |
Up to 60 months |
As low as 4.57% |
|
2024-2025 |
61-75 months |
As low as 5.07% |
|
2024-2025 |
76-79 months |
As low as 5.57% |
|
2024-2025 |
80-84 months* |
As low as 6.32% |
|
2023 & Older** |
Up to 48 months |
As low as 5.02% |
|
2023 & Older** |
49-75 months |
As low as 5.52% |
|
2023 & Older** |
76-79 months |
As low as 6.27% |
|
2023 & Older** |
80-84 months |
As low as 7.02% |
*84 months require a minimum loan of $30,000.
**Additional 1.25% for autos 2017-2019
**Additional 2.50% for autos 2016 and older
Loan rates are in effect as of the date shown. Rates are our lowest available and are subject to change without notice. Rates shown include a 0.25% discount on secured loans with a loan to value less than 90%, a 0.25% discount for using one of The Credit Union for All's automatic payment options and a 0.25% discount for having an existing The Credit Union for All checking account with monthly direct deposit. Your rate is determined by individual circumstances and may be higher.
'FOR ALL' Signature Loans
|
Loan Amount |
Term |
Annual Percentage Rate |
|
Up to $25,000 |
12 months |
As low as 8.82% |
|
$1,000.01-$25,000 |
24 months |
As low as 9.32% |
|
$2,000.01-$25,000 |
36 months |
As low as 9.82% |
|
$3,000.01-$25,000 |
48 months |
As low as 10.32% |
|
$5,000.01-$25,000 |
60 months |
As low as 10.82% |
|
72 months |
As low as 11.32% |
Loan rates are in effect as of the date shown. Rates are our lowest available and are subject to change without notice. Rates shown include a 0.25% discount for using one of The Credit Union For All's automatic payment options and a 0.25% discount for having an existing The Credit Union for All checking account with monthly direct deposit. Your rate is determined by individual circumstances and may be higher.
Motorcycle, Scooter, Snowmobile, Personal Watercraft, and ATVs
|
Loan Amount |
Term |
Annual Percentage Rate |
|
Up to $4,999 |
Up to 48 months |
As low as 8.02% |
|
$5,000-$9,999 |
up to 60 months |
As low as 7.52% |
|
$10,000 or more |
up to 60 months |
As low as 6.52% |
|
$10,000 or more |
up to 72 months |
As low as 7.23% |
Increase rate by 0.50% for units five years old and older. Loan rates are in effect as of the date shown. Rates are our lowest available and are subject to change without notice. Rates shown include a .25% discount on secured loans with a loan to value less than 90%, a 0.25% discount for using one of The Credit Union For All's automatic payment options and a 0.25% discount for having an existing The Credit Union for All checking account with monthly direct deposit. Your rate is determined by individual circumstances and may be higher.
Recreational Vehicles
|
Loan Amount |
Term |
Annual Percentage Rate |
|
up to $24,999 |
Up to 84 months |
As low as 7.07% |
|
$25,000-$39,999 |
Up to 96 months |
As low as 7.32% |
|
$40,000-$59,999 |
Up to 108 months |
As low as 7.57% |
|
$60,000+ |
Up to 120 months |
As low as 7.82% |
Loan rates are in effect as of the date shown. Rates are our lowest available and are subject to change without notice. Rates shown include a 0.25% discount on secured loans with a loan to value less than 90%, a 0.25% discount for using one of The Credit Union For All's automatic payment options and a 0.25% discount for having an existing The Credit Union for All checking account with monthly direct deposit. Your rate is determined by individual circumstances and may be higher.
Secured Loans
|
Type |
Loan Amount |
Term |
Annual Percentage Rate |
|
Loan secured by The Credit Union For All funds on deposit |
Loan amount based on funds on deposit and credit tier |
Up to 60 months |
As low as 7.14% |
Loan rates are in effect as of the date shown. Rates are our lowest available and are subject to change without notice. Rates shown include a 0.25% discount for using one of The Credit Union For All's automatic payment options and 0.25% for having an existing The Credit Union for All checking account with monthly direct deposit. Your rate is determined by individual circumstances and may be higher.
*All Loan Rates are effective as of the date shown and are subject to change without notice.
