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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 May 6, 2022.

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

Type Annual Percentage Rate
Consumer (Model Year: 2019-2022; Terms up to 48 months) As Low As 2.59% APR*
Consumer (Model Year: 2019-2022; Terms up to 66 months) As Low As 2.99% APR*
Consumer (Model Year: 2017-2018; Terms up to 66 months) As Low As 3.29% APR*
Consumer (Model Year: 2015-2016; Terms up to 60 months) As Low As 3.99% APR*
Consumer (Model Year: 2013-2014; Terms up to 54 months) As Low As 4.49% 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: 

  • 2.59% APR for 48 months, and a loan amount of $25,000 - the monthly principal and interest payment would be $549.
  • 2.99% APR for 66 months, and a loan amount of $25,000 - the monthly principal and interest payment would be $411.
  • 3.29% APR for 66 months, and a loan amount of $25,000 - the monthly principal and interest payment would be $415.
  • 3.99% APR for 60 months, and a loan amount of $25,000 - the monthly principal and interest payment would be $460.
  • 4.49% APR for 54 months, and a loan amount of $25,000 - the monthly principal and interest payment would be $512.

*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 5.19% 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 1.00%APR*
HELOC Flex (Fixed-Rate) As Low as 4.00% APR*

*APR: Annual Percentage Rate. Introductory rate offer is effective as of 5/6/2022 and subject to change at any time. Offer is available for new home equity lines of credit (HELOC) for owner-occupied, single-family residential properties. (Current loans must be from another financial institution to refinance.) After the initial 6 months, the APR will become variable. Currently the fully indexed rate after introductory period is 4.00% 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%. The monthly payment will be 1.5% of the principal balance of the loan (applied to principal and interest, $100 minimum payment). The member has the option of choosing up to 2 fixed-rate lock requests at our disclosed rate for a period of 5, 10 or 15 years. Closing costs range from $0 (for new HELOC with $10,000 minimum initial advance) up to $720 (for existing HELOC or those with less than $10,000 initial advance) plus appraisal fees which may range from $495 to $650. This special offer requires a minimum draw of $500. Limited-time offer. Property insurance required. Subject to credit approval and qualifications. Consult a tax advisor regarding the deductibility of interest.

Home Equity Loan (Fixed-Rate)

Type Annual Percentage Rate
Closed-End, Fixed-rate As Low As 4.25% APR*

*ANNUAL PERCENTAGE RATE.   4.25% 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 4.25% APR for 60 months would have a monthly payment of $277.94.  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. Offer expires December 31, 2021.

**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 15 Years As Low As 4.00% APR*

Maximum of 80% Loan-to-Value (LTV). 15 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.  Payment example: 4.00% APR for 15 years, and a loan amount of $50,000 - the monthly principal and interest payment would be $369.84.  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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