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Loan Rates

At Community 1st Credit Union, we ensure that our members get the most out of life. That’s why we serve as an avenue to help them achieve their goals through our different types of loans. Whether it be purchasing a new car or securing a piece of land, we will provide the financial assistance you need. See our loan rates below:

Rates accurate as of February 3, 2023.

New/Used Autos, Trucks/Motorcycles (Fixed Rate)

Type Annual Percentage Rate
Consumer (Model Year: 2020-2023; Terms up to 48 months) As Low As 5.59% APR*
Consumer (Model Year: 2020-2023; Terms up to 66 months) As Low As 5.79% APR*
Consumer (Model Year: 2018-2019; Terms up to 66 months) As Low As 6.19% APR*
Consumer (Model Year: 2016-2017; Terms up to 60 months) As Low As 6.49% APR*
Consumer (Model Year: 2014-2015; Terms up to 54 months) As Low As 6.99% APR*

LONGER TERMS AVAILABLE.   ASK FOR DETAILS.   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. Payment examples: 

  • 5.59% APR for 48 months, and a loan amount of $25,000 - the monthly principal and interest payment would be $582.48 
  • 5.79% APR for 66 months, and a loan amount of $25,000 - the monthly principal and interest payment would be $443.25 
  • 6.19% APR for 66 months, and a loan amount of $25,000 - the monthly principal and interest payment would be $447.93 
  • 6.49% APR for 60 months, and a loan amount of $25,000 - the monthly principal and interest payment would be $489.09.
  • 6.99% APR for 54 months, and a loan amount of $25,000 - the monthly principal and interest payment would be $540.98 

*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 Boats, RVs, Travel Trailers (Fixed-Rate)

Type Annual Percentage Rate
Consumer As Low As 6.69% 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. 

*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. 

Personal Loans (Fixed-Rate)

Type Annual Percentage Rate
Consumer As Low As 8.99% APR*
Payday Alternative Loan As low as 19.00% 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. 

 

**You must be 18 years or older and a C1st member for at least 30 days. Maximum loan term of 6 months.  Other restrictions may apply.  Subject to credit approval and program qualifications.  APR is Annual Percentage Rate.  

Personal Line of Credit (Variable-Rate)

Type Annual Percentage Rate
Personal Line of Credit (Variable-Rate) 12.12% to 19.65% 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.  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.  Rates based on credit worthiness, your rate may differ. 

Share/CD Secured Loans

Type Annual Percentage Rate
Consumer As low as 4.75% APR*

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.

Powersports/Equipment (Fixed-Rate)

Type Annual Percentage Rate
Consumer As low as 7.49% 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.

*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.

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