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Loan Rates

These rates accurate as of  August 25, 2014

AUTO REFINANCE SPECIAL

We will beat your existing Auto Loan rate by up to 1.00% and match the term length from another financial institution.  Minimum rate of 1.99% APR and max term of 72 months.

  • Rate shown above requires an automatic payment method.  Add 0.50% to the rate for loans without auto-pay.
  • Motorcycle means 750CC or larger engine.
  • Offer excludes refinancing of existing C1st Loans and current loan must be a minimum of 30 days old.
  • Those not meeting loan special requirements please refer to regular rate sheet, below.
  • Extended term option for GAP and warranty products is available, Up to 6 months with a max of 72 months.
  • ANNUAL PERCENTAGE RATE.  Terms and qualifications apply.  Advertised rates are subject to change at any time.  Rates based on credit worthiness, your rate may differ. 
New/Used Autos, Trucks, Motorcycles (Fixed-Rate) Rate
Consumer (Model Year: 2012-2015) (Term: up to 66  months.  Extended Terms Available) As Low As 2.49% APR**
Consumer (Model Year: 2008-2011) (Term: up to 60 months) As Low As 3.99% APR*
New/Used Boats, RVs, Travel Trailers (Fixed-Rate) Rate
Consumer As Low As 4.99% APR*
Loan interest rate and approval subject to qualified credit, account balance and product usage with Community 1st. Please contact your Loan Officer for further details. New loans, only, these rates do not apply for the refinancing of present Community 1st debts, unless the new loan amount is double the present debt balance. Community 1st reserves the right to alter this program without notice. 
Example: $20,000 new auto loan, 4 year term at 7.5% APR = $483.69 monthly payments for 48 months.
*ANNUAL PERCENTAGE RATE.  Terms and qualifications apply.  Advertised rates are subject to change at any time.  Rates based on credit worthiness, your rate may differ.  

Home Equity Loan Special (Fixed-Rate) Rate
Closed-End, Fixed-rate As Low As 3.25% APR*
3.25%APR available on Loan to Value (LTV) of 80% or less.  Higher rates apply for a higher LTV.  Loan interest rate and approval subject to qualified credit, account balance and product usage with Community 1st.   Payment example: Loan amount of $15,000 at a rate of 3.25%APR for 60 months would have a monthly payment of $271.20.  Consult your tax advisor regarding the deductibility of interest.  Please contact your Loan Officer for further details. 
*ANNUAL PERCENTAGE RATE.  Terms and qualifications apply.  Advertised rates are subject to change at any time.

Home Equity Line of Credit: Amount Financed Balloon Amortization Rate
Open-End, Variable-rate No minimum N/A 1% of Loan Balance As Low As 3.75% APR*
NO CLOSING COSTS on loan advances greater than or equal to $7,500. Limited time offer.  Loan interest rates are variable, subject to change on April 1st and October 1st each year. Loan interest rates and approval subject to qualified credit, account balance and product usage relationship, and available equity in your home. Greater than 80% loan-to-value equity limits will add 1.50% to the loan interest rate.  Maximum of 100% loan-to-value.  Maximum annual percentage rate of 18.00%APR.  Property insurance is required. *ANNUAL PERCENTAGE RATE.  Terms and qualifications apply.  Advertised rates are subject to change at any time.

Signature Loans (Fixed-Rate) Rate
Consumer As Low As 8.40% APR*
Loan interest rate and approval subject to qualified credit, account balance and product usage with Community 1st . Please contact your Loan Officer for further details. *ANNUAL PERCENTAGE RATE.  Terms and qualifications apply.  Advertised rates are subject to change at any time.

Land/Lot Loans Rate
Up to 20 Acres, Maximum Term of 10 Years As Low As 5.49% APR*
Maximum of 80% Loan-to-Value (LTV). 10 year maximum term. Up to 20 acres. 1st lien position only. Additional closing costs may apply. Loan interest rate and approval subject to qualified credit, account balance and product usage with Community 1st . Please contact your Loan Officer for further details. *ANNUAL PERCENTAGE RATE. Terms and qualifications apply. Advertised rates are subject to change at any time.

Share/CD Secured Loans Rate
Consumer See Below
2% above the rate of a secured share savings account, or 2% above the rate of a secured certificate of deposit.*ANNUAL PERCENTAGE YIELD.  Terms and qualifications apply.  Advertised rates are subject to change at any time.