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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 office locations.

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Rates effective June 2020

Auto & Motorcycle

Model Years Term APR as low as
Model Years 2015 and Newer 36 Month Term 2.99%
48 Month Term 3.24%
60 Month Term 3.24%
72 Month Term 3.49%
84 Month Term 4.49%
Model Years 2011 to 2014 36 Month Term 3.74%
48 Month Term 3.74%
60 Month Term 3.99%
72 Month Term 4.24%

Auto & Motorcycle Disclosure

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Recreational Vehicles & Boats

Includes boat, motor & trailer.

Model Years Term APR as low as
Model Years 2015 - 2020 36 Month Term 2.99%
48 Month Term 3.24%
60 Month Term 3.24%
72 Month Term 3.49%
84 Month Term 4.49%
120 Month Term 5.74%
144 Month Term 5.74%
Model Years 2011 - 2014 36 Month Term 3.74%
48 Month Term 3.74%
60 Month Term 3.99%
72 Month Term 4.24%
84 Month Term 5.24%
96 Month Term 6.24%

Boat/RV Disclosure

Apply RV/Boat Loan Calculate RV/Boat Payments


Small Recreational Vehicles

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

Model Years Term APR as low as
Model Years 2016 - 2019 & Collector 60 Month Term 7.74%
Model Years 2013 - 2015 36 Month Term 8.74%

APR = Annual Percentage Rate. Example payment - A loan of $10,000 for a term of 60 months at 7.99% APR results in 59 payments of $202.69 and one payment of $202.60. 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.

Personal Loans

Life Happens Loan

As low as 6.99% APR

Personal Loan

As low as 8.99% APR

Personal Line of Credit

10.99% APR

Checking Line of Credit

As low as 9.99% APR

Savings Secured

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

Personal Loans Disclosure

Interest rate subject to creditworthiness.

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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

View Mortgage Rates Calculate Mortgage Payments

Student Loans

Check our Student Loan page for current rates.

Adjustable Rate Mortgages (ARM)

Contact us for current rates.

15 Year Mortgage Refinance

Up to 80% LTV up to 15 Years

as low as 3.64% fixed APR & pay only $999 in closing costs

15 Year Mortgage Refinance Disclosure

Apply Mortgage Refinance Calculate Mortgage Refinance Payments

Home Equity Loans

Up to 80% LTV up to 10 Years

as low as 4.74% fixed APR

Up to 80% LTV up to 20 Years

as low as 4.99% fixed APR

Up to 90% LTV up to 20 Years

as low as 6.00% fixed APR

Home Equity Loans Disclosure

Apply Home Equity Calculate Home Equity Loan Payments

Home Equity Line of Credit (HELOC)

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

Up to 80% loan to value

Up to 25 years with a 10 year draw

1.99% APR Intro Rate for 6 months then adjusts to rate as low as 4.00% variable APR

Up to 90% loan to value

Up to 15 years with a 15 year draw

1.99% APR Intro Rate for 6 months then adjusts to rate as low as 4.50% variable APR

Home Equity Line of Credit Disclosure

Lot/Land Loans

Purchase or non-purchase

Up to 15 years

as low as 5.99% fixed APR

Mastercard® Credit Cards

 
APR for Purchases & Cash Advances The Classic Mastercard

16.99% APR

Platinum Credit Card

8.99% - 16.99% APR

Platinum Rewards

10.99% - 18.00% APR

Share Secured Credit Card

As low as 7.99% APR

Credit Cards Disclosure

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.

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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.

Auto & Motorcycle
Interest rate subject to credit worthiness. New vehicle financed up to 100% of the purchase price, used up to 100% NADA retail including options. Includes tax, license & extended warranty for qualified borrowers. Term limits may apply. Example - a $15,000 loan at 2.99% APR for 36 months results in 35 payments of $436.17 with a final payment of $435.89.

Boat/Recreational Vehicle
Recreational vehicles includes boats, motors, trailers, conversion vans and travel trailers. Rate can vary based on term and creditworthiness, and is subject to change. Extended terms only available for loans over $30,000 for model year 2015 or newer and $25,000 for model year 2014 or older. Payment example - A loan of $15,000 for a term of 36 months at 3.24% APR results in monthly payments of $437.81.

15 Year Mortgage Refinance
Closing cost offer for mortgage refinances only. Appraisal fee will vary and is the responsibility of the applicant if the loan is not consummated. Total savings may vary. Payments do not include applicable taxes and insurance, so actual obligation will be greater. $999 closing cost offer good for loans up to $200,000. Loans above $200,000 up to $510,400 closing cost is $1,250. Rates can change daily. Payment example: A $100,000 mortgage rate of 3.49% for 15 years would have a principal and interest payment of $714.49. Assuming 80% Loan to Value, the resulting APR would be 3.64%. New Money Only. Minimum loan amount of $25,000.

Home Equity Loans - Fixed Rate
A $25,000 home equity loan at 4.99% APR for 240 months results in 239 payments of $164.87 and a final payment of $163.69.

Home Equity Lines of Credit (HELOC)
APR=Annual Percentage Rate. The Lockable HELOC has both variable and fixed rate advance options. $50 fee to lock in rate. Rates subject to change. Variable rates will not exceed 18% APR. Rate presented on a 25-year term and assumes 80% loan-to-value (LTV). Interest rate may vary based on credit, LTV, and amount financed. Minimum loan amount to convert HELOC to fixed is $5,000. Property insurance required; flood insurance is also required if the property is in a special flood hazard area. Minimum monthly payments may not be sufficient to fully repay the original principal that is outstanding on your LOC at the end of its term. If not, the entire balance will be required in a single payment.

Cabin Loans
Loan terms range from 60 to 180 months. Rate listed for 80% LTV. A $50,000 cabin/lot loan at 5.99% for 180 months results in 179 payments of $421.84 and a final payment of $421.83

Credit Cards - Platinum & Platinum Rewards
APR may increase or decrease based on certain credit worthiness, not to exceed 18% APR. Cash advance fee is 2% or a $2 minimum. Foreign Transaction fee is 1% of each transaction in U.S. dollars. See Mastercard Credit Card Terms & Conditions for complete details.

Personal Loans
Checking and Personal Line of Credit: No pre-determined loan term.
Savings Secured: Loan terms range from 0 to 36 months.
Personal Loans: 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.

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