Community Choice

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Putting Your Dreams Within Reach

Fair rates and terms to help you get ahead in life

Mortgage Rates | Vehicle Rates | Home Equity Rates | Credit Card Rates | Style Loan Rates

Whether you are buying a home, refinancing a vehicle, starting a business or consolidating debt, borrowing from Community Choice Credit Union is a great way to help finance the big dreams you might not have cash for.

Make affordable monthly payments with fair rates that won’t leave you scrambling to make ends meet!

Mortgage Rates

Origination fee and discount points are 0.0%.

25-30 Year Mortgages – Purchase

Amount

Rate

APR

$100,001 – $510,400
2.875%
2.950%
$30,000 – $100,000
3.000%
3.256%

Mortgage Rates

Origination fee and discount points are 0.0%.

25-30 Year Mortgages – Purchase

Amount

Rate

APR

$100,001 – $510,400
2.875%
2.950%
$30,000 – $100,000
3.000%
3.256%

20 Year Mortgages – Purchase

Amount

Rate

APR

$100,001 – $510,400
2.875%
2.982%
$30,000 – $100,000
3.000%
3.363%

15 Year Mortgages – Purchase

Amount

Rate

APR

$100,001 – $510,400
2.750%
2.888%
$30,000 – $100,000
2.875%
3.343%

10 Year Mortgages – Purchase

Amount

Rate

APR

$100,001 – $510,400
2.750%
2.951%
$30,000 – $100,000
2.875%
3.558%

25-30 Year Mortgages – Refinance

Amount

Rate

APR

$100,001 – $510,400
3.125%
3.201%
$5,000.01 – $10,000
3.250%
3.510%

20 Year Mortgages – Refinance

Amount

Rate

APR

$100,001 – $510,400
3.125%
3.233%
$5,000.01 – $10,000
3.250%
3.616%

15 Year Mortgages – Refinance

Amount

Rate

APR

$100,001 – $510,400
3.000%
3.139%
$5,000.01 – $10,000
3.125%
3.597%

10 Year Mortgages – Refinance

Amount

Rate

APR

$100,001 – $510,400
3.000%
3.202%
$5,000.01 – $10,000
3.125%
3.811%

FHA & VA, or Construction Loans

Please call 515-334-8100 for loan information.

Ask about rates on loan amounts under $30,000…

Apply for a mortgage

Ask a representative for complete terms and conditions.

VEHICLE RATES

2016 & Newer

Months

APR

Up to 36 months
2.29%
37 – 63 months
2.79%
64 – 72 months
3.74%
73 – 78 months
3.84%
79 – 84 months
3.94%

2012 – 2015 Models

Months

APR

Up to 60 months
4.29%
61 – 66 months
4.94%
67 – 72 months
5.59%

2010 & 2011 Models

Months

APR

Up to 48 months
6.04%
49 – 54 months
6.29%
55 – 60 months
6.54%
61 – 66 months
6.79%

2009 & Older

Months

APR

Up to 60 months
7.29%
Vehicle rates shown above reflect a discount for automatic payments and direct deposit of entire paycheck into a Community Choice checking account. Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details. Rates effective as of March 18, 2020.
Apply for a vehicle loan or refinance your current loan

RECREATIONAL VEHICLE RATES

Recreational Vehicles: 2016 & Newer

Months

APR

Up to 60 months
4.79%
61 – 72 months
5.29%
73 – 84 months
6.04%

Recreational Vehicles: 2012 – 2015

Months

APR

Up to 60 months
5.29%

Recreational Vehicles: 2011 & Older

Months

APR

Up to 60 months
7.29%

Camping Trailers, Motor Homes, 5th Wheels, & Truck Campers: 2016 & Newer

Months

APR

Up to 60 months
5.20%
61 – 72 months
5.45%
73 – 96 months
5.70%
97 – 120 months
5.95%
121 – 180 months
6.20%

Camping Trailers, Motor Homes, 5th Wheels, & Truck Campers: 2012 – 2015

Months

APR

Up to 60 months
5.45%
61 – 72 months
5.70%
73 – 96 months
5.95%
97 – 120 months
6.20%
121 – 180 months
6.45%

Camping Trailers, Motor Homes, 5th Wheels, & Truck Campers: 2011 & Older

Months

APR

Up to 60 months
5.70%
61 – 72 months
5.95%
73 – 96 months
6.20%
97 – 120 months
6.45%
121 – 180 months
6.70%
Recreational vehicle rates shown above reflect a discount for automatic payments and direct deposit of entire paycheck into a Community Choice checking account. Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details. Rates effective as of March 5, 2020. Recreational Vehicles include ATVs, boats, jet skis, snow mobiles, and motorcycles that are titled.
Apply for a Recreational Vehicle Loan

HOME EQUITY RATES

Adjustable Rate Home Equity Line of Credit (HELOC)

HELOC (Home Equity Line of Credit) rates are subject to change quarterly. Quarterly is defined as a calendar quarter beginning January 1, April 1, July 1, and October 1. Rates are Wall Street Journal Prime (WSJP) plus 0.50% for lines up to 85% LTV and WSJP plus 1.50% for lines over 85% LTV. The maximum annual percentage rate is 15% and the minimum floor annual percentage rate is 4.00%. Other home equity options are also available. See credit union for details.

Fixed Rate Home Equity Loans

Years

Rate

4 years

Call for current rates

6 years
Call for current rates
10 years
Call for current rates
15 years
Call for current rates
20 years
Call for current rates

CREDIT CARD RATES

Visa Platinum

Credit Card

APR

New purchases
10.25%
Balance transfers
10.25%
Cash advances
10.25%

MasterCard and Visa Classic

Credit Card

APR

New purchases
12.75%
Balance transfers
12.75%
Cash advances
12.75%
We use an average daily balance method (including new purchases) to calculate balances. Rates effective November 1, 2019.
Apply for a Credit Card
See Full Credit Card Disclaimer

STYLE LOAN RATES

Money Market Secured Loans (100% Secured)

Months

Rate

1 – 24 months
4.20%
25 – 36 months
4.45%
37 – 48 months
4.70%
49 – 60 months
4.95%

Anything/Happy/Lifestyle/Homestyle Loans

Months

Rate

1 – 36 months
8.94%
37 – 48 months
9.94%
49 – 60 months
10.94%
61 – 72 months
11.94%

Share Secured Loans (100% Secured)

Months

Rate

1 – 24 months
2.95%
25 – 36 months
3.20%
37 – 48 months
3.45%
49 – 60 months
3.70%
Rates shown above reflect a discount for automatic payments and direct deposit into a Community Choice checking account as of March 5, 2020.

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