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Loan Rates

Rates accurate as of March 20, 2020

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

Type Annual Percentage Rate
Consumer (Model Year: 2017-2020; Terms up to 66 months) As Low As 3.29% APR*
Consumer (Model Year: 2015-2016; Terms up to 66 months) As Low As 3.59% APR*
Consumer (Model Year: 2013-2014; Terms up to 60 months) As Low As 4.49% APR*
Consumer (Model Year: 2011-2012; Terms up to 54 months) As Low As 4.79% 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 example:  3.29% APR for 66 months, and a loan amount of $25,000 - the monthly principal and interest payment would be $414.66.

*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 5.49% 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. 

Home Equity Line of Credit

Type Amount Financed Annual Percentage Rate
6-Month Intro Rate is 2.99%APR*
Open-End, Variable-rate No Minimum As Low as 3.25% APR*

*APR: Annual Percentage Rate.  Introductory rate offer effective as of 11/15/2019, based on a new home equity line of credit (HELOC). After initial 6 months, APR will become variable. Currently the fully indexed rate after introductory period is 4.25% APR (WSJP +0%) and is based on a minimum credit score of 740 and up to 90% Loan to Value (LTV). Other rates and terms apply based on the credit score and LTV. Maximum APR is 18%. No closing costs for new HELOC with $7,500 minimum initial advance. Appraisal fees are an additional cost which may range from $495 to $650. Property insurance required. Subject to credit approval. Monthly payment amount based on unpaid balance as of the last advance and annual percentage rate. Minimum of $100. For a $10,000 sixty (60) month HELOC at 4.25% APR with a 2.99% APR intro rate for the first six months, the monthly payment would be $185.00 for the first six months (larger portion applied towards principal), and $185.00 per month after month six (taxes and insurance premiums not included).  Current loans must be from another financial institution to refinance. Consult a tax advisor regarding the deductibility of interest.  Terms/qualifications. Limited time only. Subject to change at any time.

Home Equity Loan (Fixed-Rate)

Type Annual Percentage Rate
Closed-End, Fixed-rate As Low As 3.75% APR*

*ANNUAL PERCENTAGE RATE.   3.75% APR available on Loan to Value (LTV) of 90% or less and a 5 year term.  Higher rates apply for a higher LTV and longer terms. Loan amount of $15,000 at a rate of 3.75% APR for 60 months would have a monthly payment of $274.56.  See a C1st Lender for further details.  Some restrictions may apply.  Higher rates may apply for longer term options. Current loans must be from another financial institution to refinance.   Consult a tax advisor regarding the deductibility of interest.  Terms/qualifications.   Limited time only.   Rates subject to change at any time.

Personal Loans (Fixed-Rate)

Type Annual Percentage Rate
Consumer As Low As 8.49% 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.  Offer effective as of June 26, 2019.  APR is Annual Percentage Rate.  

Land/Lot Loans

Type Annual Percentage Rate
Up to 20 Acres, Maximum Term of 10 Years As Low As 6.50% 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 Credit Union. 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

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.

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