loan rates

rates effective as of March 18, 2024

 

Mortgage Loans

TERM

RATE

APR

 10 Year Fixed  6.625%  7.138%
 15 Year Fixed  6.875%  7.244%
 20 Year Fixed  6.875%  7.172%
 30 Year Fixed  7.125%   7.357%

 

 

mortgage quick pricer button REV2

*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

 APR

 3 Year Fixed  7.450%

 8.200%

 5 Year Fixed

 7.740%  8.440%
 7 Year Fixed  8.790%

 9.320%

10 Year Fixed  9.340%

 9.710%

15 year Fixed

 9.890%  10.190%

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 here. 

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 9.00%
Home Equity Line of Credit (>80% LTV)  Rates start at 9.50%

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 

2022-2024

Up to 60 months

As low as 4.99%

2022-2024

61-75 months

As low as 5.49%

2022-2024

76-79 months

As low as 5.99%

2022-2024

80-84 months*

As low as 6.74%

2021 & Older**

Up to 48 months

As low as 5.44%

2021 & Older**

49-75 months

As low as 5.94%

2021 & Older**

76-79 months

As low as 6.69%

2021 & Older**

80-84 months

As low as 7.44%

*84 months require a minimum loan of $30,000.

**Additional 2.50% for autos 2017 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 9.24%

$1,000.01-$25,000

24 months

As low as 9.74%

$2,000.01-$25,000

36 months

As low as 10.24%

$3,000.01-$25,000

48 months

As low as 10.74%

$5,000.01-$25,000

 

60 months

As low as 11.24%

 72 months

 As low as 11.74%

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 8.44%

$5,000-$9,999

up to 60 months

As low as 7.94%

$10,000 or more

up to 60 months

As low as 6.94%

$10,000 or more

up to 72 months

As low as 7.65%

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 7.49%

$25,000-$39,999

Up to 96 months

As low as 7.74%

$40,000-$59,999

Up to 108 months

As low as 7.99%

$60,000+

Up to 120 months

As low as 8.24%

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.