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Loan Rates

Loan Rates

Rates effective as of 10/12/2023

Auto Loan

Ask about 0.50% rate discount for auto payment from a CWCU account.****
Ask about 0.25% rate discount for auto payment from a NON-CWCU account or CWCU accounts without regular deposits.
 TermAPR*
New Auto (2025-2024)***84 months as low as7.25%
72 months as low as6.25%
60 months as low as5.85%
Used Auto (2024-2019)***84 months as low as7.59%
72 months as low as6.59%
60 months as low as5.99%
Used Auto (2018 - 2015)72 months as low as8.39%
60 months as low as7.79%
Used Auto (2014-2005)****24-63 months as low as9.25%

*APR = Annual Percentage Rate

**Rates are based on CommonWealth Credit Union credit scores.

***Additional terms of 66, 75, 78 months available.  Call for rates.

****Rate and term based on credit score, mileage & age of vehicle.

*****Only CWCU accounts that have regular deposits are eligible for the discount.  Regular deposits are defined as 50% or more of payroll, direct deposit, etc.

Vehicles w/100k miles or more add 2% to rate.

Offer does not include refinancing current CWCU auto loans. Subject to credit approval. Rates subject to change. Some Restrictions Apply.

All motorcycle loans add 1% to above rates.  

All campers, boats, snowmobiles, ATV's etc. (non-vehicles) add 2% to above rates.





Home Equity Loan

 TermBase RateAPR As Low As*Per $10,000 Borrowed
120 months as low as7.95%8.38%$199.21
84 months as low as6.90%7.11%$194.50
60 months as low as6.50%6.61%$192.18

*APR = Annual Percentage Rate

**LTV = Loan To Value

***Subject to credit approval.  Full appraisal may be required.  Primary residences only.  Monthly principal and interest required.  Rates subject to change.  Closing costs will vary depending on type of appraisal, if required. Other restrictions may apply.

Call to speak with a home equity loan officer regarding rates, terms, & qualifications for our home equity LTV programs of over 80% up to 90% LTV.


Mortgage

Mortgage rates can change daily. For today's rates, please contact one of our Mortgage Specialists at 815-937-7447 or you can send an email to:

Rick - rdelgrosso@cwcu.com 
Todd - tmeier@cwcu.com 
Melissa - mhendrix@cwcu.com
View Rates Questions?