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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 and Michigan neighbors great rates on mortgages, rewards credit cards, home equity loans, vehicle loans, and personal loans.

Annual Percentage Rate (APR) effective 12/10/2019 and subject to change.

Rates and monthly payments are our lowest available. Rates and monthly payments are based on a $100,000 loan amount and 60% Loan-to-Value (LTV). Lower rates are available for lower LTV, and rates are higher for LTV up to 100%

Please be aware that individual rates and terms may vary based on down payment, LTV, credit history and credit score.

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Fixed Rate
Term Rate APR As Low As Monthly Payment Per $1000
15 Year 3.125% 3.253% $6.97
20 Year 3.500% 3.600% $5.80
30 Year 3.750% 3.822% $4.63
In-House Fixed Rate
Term Rate APR As Low As Monthly Payment Per $1000
5 Year 3.375% 3.540% $18.14
10 Year 3.375% 3.540% $9.83
12 Year 2.990% 3.128% $8.27
15 Year 4.250% 4.367% $7.52
20 Year 4.750% 4.844% $6.46
In-House Adjustable Rate
Term Rate APR As Low As Monthly Payment Per $1000
1/1 ARM 3.750% 4.272% $4.63
3/1 ARM 3.750% 4.198% $4.63
5/1 ARM 3.875% 4.179% $4.70
10/1 ARM 4.250% 4.317% $4.92
Interest Only Construction
Term Rate APR As Low As Monthly Payment Per $1000
12 Month Balloon 4.750% 14.139% $3.90

Annual Percentage Rate (APR) effective 12/10/2019 and subject to change.

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

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
24 Month 2.79% $42.89
36 Month 3.19% $29.17
48 Month 3.39% $22.31
60 Month 3.54% $18.21
66 Month 3.79% $16.81
72 Month 3.79% $15.55
84 Month 4.79% $14.04
120 Month 5.34% $10.77
180 Month 6.04% $8.46
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 4.29% $43.55
36 Month 4.69% $29.83
48 Month 4.89% $22.98
60 Month 5.04% $18.89
72 Month 5.29% $16.24

Unsecured Loan Rates

Annual Percentage Rate (APR) effective 12/10/2019 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.

Apply online

Term APR As Low As Monthly Payment Per $1000
0-36 Months 7.99% $31.33
37-48 Months 8.49% $24.64
49-60 Months 9.49% $21.00

Annual Percentage Rate (APR) effective 12/10/2019 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 Loan/Second Mortgage (Fixed Rate)
Term Rate APR As Low As Monthly Payment Per $1000
5 Year 4.625% 4.637% $18.71
10 Year 4.875% 4.881% $10.55
15 Year 5.375% 5.380% $8.11
20 Year 5.750% 5.754% $7.02
Home Equity Line of Credit (Variable Rate)
Term Rate APR As Low As Monthly Payment Per $1000
Line of Credit 4.000% 4.000% $10.00

Annual percentage rates (APR) effective 12/10/2019 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.

Apply online

Product APR As Low As Monthly Payment Per $1000
Kwik Cash 11.95% 30.00

Annual percentage rates (APR) effective 12/10/2019 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.

Apply online

Product APR As Low As Monthly Payment Per $1000
Rewards Credit Card 8.24% Varies

Next Steps

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New Members

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