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Loan Rates

As your not-for-profit financial cooperative, City & County Credit Union is guided by a promise to do more than make a profit. That focus on people, not profit, is the reason we have some of the best rates around. But don't take our word for it, see for yourself.

Apply online, by phone, or stop in at any of our offices locations.

Rates effective 03.15.2018

Auto / Boat / Recreational Vehicle Loan Rates

Model Years Term APR as low as
Model Years 2017 and Newer 36 Month Term 2.74%
48 Month Term 2.99%
60 Month Term 2.99%
72 Month Term 3.24%
84 Month Term 4.99%
Model Years 2013 to 2016 36 Month Term 2.99%
48 Month Term 2.99%
60 Month Term 3.24%
72 Month Term 3.49%
84 Month Term 4.99%
Model Years 2009 to 2012 36 Month Term 3.49%
48 Month Term 3.49%
60 Month Term 3.74%
72 Month Term 3.99%

APR = Annual Percentage Rate. Example payment - A loan of $15,000 for a term of 60 months at 2.99% APR results in 59 payments of $269.50 with a final payment of $269.17.

Small Recreational Vehicle Loan Rates

Includes ATVs, dirt bikes, slingshots, snowmobiles and collector cars.

Model Years Term APR as low as
Model Years 2015 - 2018 & Collector 60 Month Term 7.49%
Model Years 2012 - 2014 36 Month Term 8.49%

APR = Annual Percentage Rate. Example payment - A loan of $10,000 for a term of 60 months at 7.49% APR results in 59 payments of $200.33 and one payment of 200.35.

Lines of Credit

Checking Line of Credit

As low as 9.99% fixed APR

Savings Secured

3.00% fixed APR over the savings rate earned, rounded up to the nearest 0.25%

Unsecured Loan

8.99% APR to 18.00% fixed APR

Interest rate subject to creditworthiness. New vehicles financed up to 100% of the purchase price, used up to 100% NADA retail including options for qualified borrowers. Term limits may apply.

Home Loans

Beyond first and second mortgages and home equity lines of credit, we finance land and cabin purchases. To discuss our various mortgage options, including Realty services, please contact us at (651) 225-2700 or 1 800 223-2801.

Mortgage Loans

Check our mortgage page for current rates.

Student Loans

Check our Student Loan page for current rates.

Adjustable Rate Mortgages (ARM)

Contact us for current rates.

Home Equity

Up to 80% LTV

as low as 4.99% fixed APR

Up to 90% LTV

as low as 6.25% fixed APR

Home Equity Line of Credit – Variable Rate

This rate may vary during the term of the loan not to exceed 18.00% APR.

Up to 80% loan to value

Up to 15 years with a 15 year draw

1.99% APR Intro Rate 
5.00% variable APR

Up to 90% loan to value

Up to 15 years with a 15 year draw

1.99% APR Intro Rate
5.75% variable APR

Lot/Land Loans

Purchase or non-purchase

Up to 15 years

6.00% fixed APR

Mastercard® Credit Cards

APR for Purchases & Cash Advances Platinum Credit Cards

8.99% - 18.00% APR

Platinum Rewards

10.99% - 18.00% APR

Share Secured Credit Card

7.99% APR

Annual percentage rate may increase or decrease based on certain credit worthiness, not to exceed state law. Terms and conditions are found on the application you receive.

APR = Annual Percentage Rate. Actual Rates and APRs may vary based on credit history. Rates and APRs are subject to change at any time without notice. This is not an advertisement to extend consumer credit as defined by Sec. 226.2 of regulation Z, nor is it an offer to enter into an interest rate or discount point agreement which may only be made pursuant to subdivisions 3&4 of Sec 47.206 of the Minnesota Statutes. All loans must be approved prior to locking.

The closing costs for a home loan of $49,999 range from $421 to $646 not including appraisal fee. Property insurance is required. Example payment: A $49,999 mortgage with a term of 60 months at 3.99% results in 59 payments of $920.59 and a final payment of $920.08s. Home Mortgage protection is available. Certain residency and other eligibility requirements may apply for home loans. To obtain a loan, you must be a Credit Union member with a Share Savings balance of at least $5. Rates are subject to change without notice.

Auto/Boat/Recreational Vehicle
Loan terms range from 0 to 72 months.

Home Equity Loans - Fixed Rate
Rate for 80% LTV is valid for loans up to 120 month terms. Rate increases for loans up to 240 month terms and 80% LTV. Rate for 90% LTV is valid for loans up to 240 month terms. 1.99% intro rate for 6 months, after 6 months would adjust to current HELOC rate. 

Home Equity Lines of Credit
Term is a 15 year draw.

Cabin Loans
Loan terms range from 60 to 180 months. Maximum annual percentage rate (APR) is 8.00% for loan to value (LTV) of 60% or 8.50% APR for 80% LTV.

Lines of Credit
Checking Line of Credit: No pre-determined loan term.
Savings Secured: Loan terms range from 0 to 24 months.
Unsecured Loan: Loan terms range from 0 to 48 months with a maximum annual percentage rate (APR) of 18.00%. Rate determined by creditworthiness and other loan criteria.

Tools & Resources

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