Loan Rates

Rates accurate as of July 17, 2017.

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:  2.49% APR for 48 months, and a loan amount of $25,000 - the monthly principal and interest payment would be $547.74.

*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: 2015-2018; Terms up to 48 months) As Low As 2.49% APR*
Consumer (Model Year: 2013-2014; Terms up to 66 months) As Low As 3.29% APR*
Consumer (Model Year: 2011-2012; Terms up to 60 months) As Low As 3.99% APR*
Consumer (Model Year: 2009-2010; Terms up to 48 months) As Low As 4.49% 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 5.49% APR*

Home Equity Line of Credit

Type Amount Financed Balloon Amortization Rate

*APR: Annual Percentage Rate.  Introductory rate offer effective as of 5/1/2017, 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 1.00% APR intro rate for the first six months, the monthly payment would be $185.30 for the first six months (larger portion applied towards principal), and $185.30 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.

Open-End, Variable-rate No Minimum N/A Minimum monthly payment: $100 As Low As 4.25% APR*

Home Equity Loan (Fixed-Rate)

Type Rate

*ANNUAL PERCENTAGE RATE.   4.00% 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 $276.25.   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.

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

Personal 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 7.49% 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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