Titled Vehicle & RV | Non-Titled Recreational Vehicles | Personal Loans
Real Estate-In House | Secondary Market | Home Equity | Share Secured | Term Share Loan

Loan Rates

To lower the rate on an existing CVCU loan, or rewrite a loan and add less than $5,000 to it, add 1% to the above rate.

NEED TO FIGURE OUT A PAYMENT? TRY ONE OF OUR Loan Payment Calculators!

APPLY FOR A VEHICLE LOAN NOW

Discounted Rate.  A rate reduction of 0.25% will be given for any payment made by payroll deduction or automatic payment on vehicle loans.  If payroll deduction or automatic payment is discontinued, the APR will increase to the current rate and any increase in the rate will result in more payments of the same amount until what you owe has been repaid. 

Share/Certificate Secured.  The Annual Percentage Rate (APR) will be the dividend rate being paid on the account being offered as security (index) on the date of the advance plus 2.0% (margin).  If there is an existing balance on the date of the new advance, the existing balance will be added to the new advance and the entire balance will be at the new APR.  The rates are subject to change based on the rate of the share/certificate account that is securing the loan.  Any increase in the APR will take the form of more payments of the same amount until what you owe has been repaid.  Certificates securing advances must be renewed until what you owe has been repaid.  The APR will be disclosed at the time of the advance.

Minimum Payment.  The amount and due date of your payment will be established at the time of each advance. 

Late Charges.  If your payment is 10 or more days late, you may be charged a $10.00 fee or 5% of your monthly payment, whichever is less.  For Kwik Cash protection, your account will be subject to a charge of $5.00 in any billing cycle in which we receive less than the minimum payment due as specified in 10 days or later from the due date.

All APR's are based on a $100,000 loan amount with a 30 year term for ARM loans and 80% LTV. This is not the rate paid on a member's loan, but the rate taking into consideration closing costs and adjustments over the term for ARM loans. 
No Escrow's Required - Weekly, Bi-Monthly Payment Options Available. A minimum down payment of 20% is required for above mortgage loans or Private Mortgage Insurance (PMI) may be required. These costs will be added if necessary.
One-time closing, home construction loans available at the above rates.
Manufactured Homes on a foundation qualify for real estate loans above.
Non-Owner Occupied (limited to 20 year amortization) 80% LTV and add .75% to rates above.
Land only add .75% to rates above. Up to 30 yr amortization and 80% LTV. 
In-house First Mortgage Loans with credit scores below 600 add .5% origination fee. If LTV is 81% to 90% without PMI and credit score is over 700, add .5% origination fee.
*In-house T-Bill index loans may be amortized up to 40 years on homes 10 years old or less (includes new construction).  Must be a conventional stick built home on a basement.  Modular and side-by-side, unique (one of a kind) or manufactured homes are not eligible.  Other homes up to 30 year amortization.