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Loan Rates

These rates accurate as of  February 14, 2014

New/Used Autos, Trucks, Motorcycles (Fixed-Rate) Rate
Consumer (Model Year: 2010-2014) (Term: up to 60  months.  Extended Terms Available) As Low As 1.99% APR**
Consumer (Model Year: 2007-2009) (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.  **
Disclosed rate includes discount for automatic payment and direct deposit.  1.99% APR for up to 66 months available on model years 2011 or newer.  Rates subject to change without notice.  Limited time offer.   Payment example: Loan amount of $30,000 at a rate of 1.99% APR for 66 months would have a monthly payment of $480.25.  Direct deposit to any C1st account or debit card linked to a C1st checking account must be established prior to loan funding.  Existing C1st loans not eligible for this offer.  Terms and qualifications apply.

Home Equity Loan (Fixed-Rate) Rate
Closed-End, Fixed-rate As Low As 4.00% APR*
Loan interest rate and approval subject to qualified credit, account balance and product usage with Community 1st.  Add 1.5% to these rate for loans with greater than 80% loan-to-value, up to 100% max.  Some restrictions may apply.  Maximum Term: 10-year amortization with 60-month balloon payment.  Please contact your Loan Officer for further details.  Community 1st reserves the right to alter this program without notice.
*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.