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CoVantage Credit Union
CoVantage Credit Union

Loan Rates

Houses? They're expensive. So are cars, boats, and RVs. As is life in general. At CoVantage, we try to make everything a little more affordable by holding the line on our loan interest rates.
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Save money on interest charges. Spend it on the better things in life.

A family vacation, a new kitchen, college tuition, some cool electronics. You have better things to spend your money on than interest payments. CoVantage takes pride in offering our Wisconsin, Michigan, and Illinois neighbors great rates on mortgages, rewards credit cards, home equity loans, vehicle loans, and personal loans.

Annual Percentage Rate (APR) effective 09/26/2023 and subject to change.

Rates and monthly payments are our lowest available. Rates and monthly payments are based on a $100,000 loan amount, 60% Loan-to-Value (LTV) purchase transaction. Please be aware that individual rates and terms may vary based on down payment, LTV, credit history, purpose of the loan, property type, and credit score.

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Fixed Rate
Term Rate APR As Low As Monthly Payment Per $1000
15 Year 7.000% 7.217% $8.99
30 Year 7.250% 7.386% $6.82
20 Year 7.000% 7.175% $7.75
In-House Fixed Rate
Term Rate APR As Low As Monthly Payment Per $1000
5 Year 6.875% 7.441% $19.74
10 Year 6.875% 7.179% $11.55
12 Year 6.875% 7.135% $10.22
15 Year 7.375% 7.595% $9.20
20 Year 7.500% 7.678% $8.06
In-House Adjustable Rate
Term Rate APR As Low As Monthly Payment Per $1000
1/1 ARM 6.625% 8.223% $6.40
3/1 ARM 6.625% 7.869% $6.40
5/1 ARM 6.750% 7.651% $6.49
10/1 ARM 7.125% 7.512% $6.74
Interest Only Construction
Term Rate APR As Low As Monthly Payment Per $1000
18 Month Balloon 6.125% 8.604% $5.03

Annual Percentage Rate (APR) effective 09/26/2023 and subject to change.

Regular New & Used Vehicle and RV rates and monthly payments are based on financing 75% of value.

$5000 minimum loan amount for titled rates on auto loans. Auto loans under $5000 are subject to unsecured rates and terms.

Please be aware that individual rates and terms may vary based on down payment, age of collateral, mileage, credit history, and credit score.

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Titled Vehicle & RV Rates

Titled Cars, Trucks, motorcycles, campers, and boats over 16 feet long. 120 and 180 month terms only available for motorhomes, campers, and boats.

Term APR As Low As Monthly Payment Per $1000
180 Month 10.09% $10.80
24 Month 6.89% $44.72
36 Month 6.99% $30.87
48 Month 6.99% $23.94
60 Month 6.99% $19.80
66 Month 6.99% $18.29
72 Month 6.99% $17.04
84 Month 8.49% $15.83
120 Month 9.09% $12.72
Non-Titled Recreational Vehicle Rates

Snowmobiles, ATVs, campers, and boats under 16 feet long.

Term APR As Low As Monthly Payment Per $1000
24 Month 8.79% $45.59
36 Month 9.29% $31.93
48 Month 9.44% $25.09
60 Month 9.69% $21.09
72 Month 9.94% $18.50

Unsecured Loan Rates

Annual Percentage Rate (APR) effective 09/26/2023 and subject to change.

Rates and monthly payments are our lowest available. Individual rates and terms may vary based on down payment, credit history, and credit score.

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Term APR As Low As Monthly Payment Per $1000
0-36 Months 11.490% $32.97
37-48 Months 11.990% $26.33
49-60 Months 12.490% $22.49

Annual Percentage Rate (APR) effective 09/26/2023 and subject to change.

Rates and monthly payments are our lowest available. Individual rates and terms may vary based on down payment, credit history, and credit score.

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Home Equity Flex Line of Credit (Variable Rate)
Term Rate APR As Low As Monthly Payment Per $1000
Line of Credit 7.500% 7.500% $10.00
Home Equity Flex Fixed Rate Conversion Option

 

Term Rate APR As Low As Monthly Payment Per $1000
5 Year 7.000% 7.000% $19.81
10 Year 7.500% 7.500% $11.87
15 Year 8.750% 8.750% $10.00
20 Year 9.250% 9.250% $9.16

Annual percentage rates (APR) effective 09/26/2023 and subject to change.

Rates and monthly payments are our lowest available. Individual rates and terms may vary based on down payment, credit history, and credit score.

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Product APR As Low As Monthly Payment Per $1000
Kwik Cash 11.950% 30.00

Annual percentage rates (APR) effective 09/26/2023 and subject to change. 

Rates and monthly payments are our lowest available. Individual rates and terms may vary based on down payment, credit history, and credit score.

View complete credit card disclosures.

Product APR As Low As Monthly Payment Per $1000
Great Rate Visa Credit Card 11.240 % APR Varies
Cash Back Visa Credit Card 15.990 % APR Varies

Next Steps

View our rates

Find our current rates for mortgages, vehicles, and more

Loan Interest Rebates

Borrowers receive cash back on interest paid!
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