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MyCoVantage online and mobile banking, along with TEX phone banking, will be unavailable from Saturday, August 24 at 6:00pm to Sunday, August 25 at 2:00am due to scheduled maintenance.

CoVantage Credit Union

MyCoVantage online and mobile banking, along with TEX phone banking, will be unavailable from Saturday, August 24 at 6:00pm to Sunday, August 25 at 2:00am due to scheduled maintenance.

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.

Mortgage Loans

Annual Percentage Rate (APR) effective 08/22/2019 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.

Fixed Rate

Term Rate APR As Low As Monthly Payment Per $1000
15 Year 3.000% 3.127% $6.91
20 Year 3.375% 3.475% $5.74
30 Year 3.500% 3.571% $4.49

In-House Fixed Rate

Term Rate APR As Low As Monthly Payment Per $1000
5 Year 3.875% 4.189% $18.36
10 Year 3.875% 4.041% $10.07
12 Year 3.875% 4.016% $8.69
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 3.875% 4.512% $4.70
3/1 ARM 3.875% 4.418% $4.70
5/1 ARM 4.000% 4.383% $4.77
10/1 ARM 4.000% 4.253% $4.77

Interest Only Construction

Term Rate APR As Low As Monthly Payment Per $1000
12 Month Balloon 4.750% 14.139% $3.90

New & Used Vehicle and Recreational Vehicle Loans

Annual Percentage Rate (APR) effective 08/22/2019 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.

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

Personal Loans

Annual Percentage Rate (APR) effective 08/22/2019 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.

Unsecured Loan Rates

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

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

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

Kwik Cash Overdraft Protection

Annual percentage rates (APR) effective 08/22/2019 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.

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

Rewards Credit Card

Annual percentage rates (APR) effective 08/22/2019 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.

Product APR As Low As Monthly Payment Per $1000
Rewards Credit Card 8.49% Varies

Next Steps

Members

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New Members

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