Loan Rates

As a not-for-profit financial institution working to serve our members’ financial needs, City Credit Union provides affordable loan rates and and flexible terms. Consult the charts below for our current rates, and contact us to learn more about how City Credit Union can help you!

Consumer Loans (Rates effective 9/1/2022)

Rates based on member creditworthiness and term.

Loan Type Term1 Annual Percentage Rate2 Conditions
New & Used Autos
Up to 72 months
As Low As 3.39%
Motorcycles & ATVs
Up to 72 months
As Low As 4.39%
RVs & Watercrafts Up to 84 months As Low As 3.39% Insurance required
Older Vehicles (2003-2014)
85% LTV
Up to 48 months
As Low As 6.13% Retail value greater than $3,000
(2001 & older)
Up to 60 months As Low As 4.77%
Untitled Collateral Up to 60 months As Low As 4.39% UCC will be filed
Signature Open As Low As 8.58%
FLEX Line of Credit Open As low as 8.58% Up to $7,500
Share Secured Up to 12 months As Low As 2.50%
CD Secured CD Term Dividend + 2% (2.5% floor) One-year minimum term & CD maturity
Home Equity Up to 180 months 4.75% variable
HELP Loans (up to $15,000)
Up to 120 months As Low As 3.02% Up to $15,000

1Loan term dependent upon vehicle and individual credit score.
2Lowest available rate DOES NOT reflect all available discounts. Actual rate dependent upon member eligibility, creditworthiness and other factors. Member must add 3% for the following any signed party on a loan that has had a bankruptcy discharged in the past 4 years. Rates are subject to change without notice. Contact the credit union for complete details.

Possible Discounts: (Share/CD Secured, Home Equity and HELP Loans not applicable)
.40% for payroll deduction or auto transfer from a City Credit Union savings or checking account.
.10% for each 10% equity in collateral up to 50% Loan/Value.