Loan Rates

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

Type Rate

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:  1.99% APR for 48 months, and a loan amount of $25,000 - the monthly principal and interest payment would be $542.27.

*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. 

Consumer (Model Year: 2014-2017; Terms up to 48 months) As Low As 1.99% APR*
Consumer (Model Year: 2012-2013; Terms up to 66 months) As Low As 2.89% APR*
Consumer (Model Year: 2010-2011; Terms up to 60 months) As Low As 3.44% APR*
Consumer (Model Year: 2008-2009; Terms up to 48 months) As Low As 4.29% APR*

New/Used Boats, RVs, Travel Trailers (Fixed-Rate)

Type Rate

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. 

Consumer As Low As 4.99% APR*

Home Equity Line of Credit

Type Amount Financed Balloon Amortization Rate

*APR is annual percentage rate.  Introductory rate offer of .80%APR* for 6 months is effective as of 10/17/2016, based on a new home equity line of credit (HELOC) and subject to change at any time.  After the initial introductory period is 3.75% 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 range from $0 (for new HELOC with $7,500 minimum initial advance) up to $700 (for existing HELOC or those with less than $7,500 initial advance) plus appraisal fees which may range from $495 to $650.  Limited time offer.  Property insurance required.  Subject to credit approval.  Consult a tax advisor regarding the deductibility of interest.  

Open-End, Variable-rate No Minimum N/A Minimum monthly payment: $100 As Low As 3.75% APR*

Home Equity Loan (Fixed-Rate)

Type Rate

4.00%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 4.00%APR for 60 months would have a monthly payment of $276.25.  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.

Closed-End, Fixed-rate As Low As 4.00% APR*

Signature Loans (Fixed-Rate)

Type Rate

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.

Consumer As Low As 8.65% APR*

Land/Lot Loans

Type Rate

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.

Up to 20 Acres, Maximum Term of 10 Years As Low As 5.00% APR*

Share/CD Secured Loans

Type Rate

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.

Consumer See Below

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