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Rates

Rates

effective 04/20/2022

Please contact the loan department at 515-645-9334 for additional information.

loan rates

Loan Type

Rate

Monthly Term

New Auto (2021-2023)

1.95% APR

2.75% APR

3.25% APR

3.75% APR

0-36

37-63

64-75

76-87

Used Auto (2013-2020)

3.50% APR

4.25% APR

0-63

64-75

New Boat, Motorcycle, ATV, Jet Ski, Travel Trailer, Lawn Tractor (2021-2023)

3.25% APR

4.25% APR

0-63

64-75

Used Boat, Motorcycle, ATV, Jet Ski, Travel Trailer, Lawn Tractor (2013-2020)

3.75% APR

4.75% APR

0-63

64-75

New Camper/Motorhome (2021-2023)

4.95% APR

6.25% APR

0-87

87-144

Used Camper/Motorhome (2021-2023)

5.45% APR

6.75% APR

0-63

64-75

Unsecured (Line of Credit, Personal Loan, MicroLoan, Vehicles 2012 and later)

6.95% APR

0-60

*Your rate is determined by your credit bureau history (the better your credit, the better your rate) and down payment/value of the collateral. Check with a loan officer to determine your rate. Rates are subject to change daily. See home page for special promotional rates. For a $15,000 auto loan with a term of 60 months and 3.45% APR, the monthly payment will be $273. Rates, terms, and conditions subject to change and may vary based on qualifications, including creditworthiness and loan-to-value ratio, as well as age and mileage of the vehicle. All loans subject to approval. Term will vary based on loan amount, 72 month term requires loan amount of $10,000 and 84-month term requires loan amount of $20,000.  Some special offers are available on new loans only. Not all borrowers will qualify for the same rate. Rates are based on the borrower’s creditworthiness, which includes factors such as debt ratio and credit history. Other restrictions may apply. See credit union for full details. Some offers will end without notice and are available for a limited time offer.   Federally insured by the NCUA.

**Rate is set based on creditworthiness as already stated but we do calculate minimum payment based off balance of line each month or a minimum payment of $25/mo. OD Transfer fee of $5 does apply per transaction.  No participation fees.

Mortgage Rates:  Due to current market conditions, mortgage rates may change throughout the day. The rates below may not reflect the most recent changes.  We are experiencing a high number of mortgage inquiries, so it may take longer than usual for your call to be answered or for us to reply by email. Please be patient and know that we will respond to you as soon as possible.  Thank you in advance for your patience.

mortgage rates

Mortgage Type

Rate

First Mortgage

Call for Current Rate

Home Equity 2nd Mortgage

Call for Current Rate

Adjustable-Rate Mortgage (ARM)

Call for current rate

*Iowa mortgage loans only. Payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater.  Home Equity Lines of Credit are variable and subject to change.  The rate will be the Prime Rate as published in the Wall Street Journal.

Home Equity rates

Real Estate Loans

Term

*APR as Low As

Purchase/Refinance

30 Year

15 Year

Please contact for current rate and terms

"10 to Go" Fixed Refinance**

10 Year

4.25%

Home Equity Fixed

5 Year

7 Year

10 Year

3.75%

4.25%

4.75%

Home Equity Line of Credit

20 Year

4.50%

*APR= Annual Percentage Rate based on product, term, and credit worthiness. Check with your tax advisor regarding deductibility. All loans subject to approval. Terms and conditions may apply.

**”10 to Go” is a fixed rate product which requires a 1st lien position and applies to refinance only. Maximum Loan-to-Value Ratio may not exceed 80%.

*** Home Equity Lines of Credit are an adjustable rate product based on Prime + a margin (Floor rate of 4.00%) and have a 10 year draw period in which advances can be made and a 10 year repayment period.

account rates

Type of Account

APR*

APY*

Avg Daily Balance

Basic, Secondary, Kid's, and Holiday Shares Average Daily Balance

0.05%

0.10%

0.15%

0.05%

0.10%

0.15%

$100-$4,999.99

$5,000-$9,999.99

$10,000-over

IRA Shares

0.20%

0.20%

$0

Share Draft/Checking

0.05%

0.05%

$500

*Annual Percentage Rate.  Annual Percentage Yield.  Dividends are compounded and paid monthly, based upon your average daily balance. Fees could reduce the earnings on the account. To earn the stated APY basic shares need average daily balance of $100.00 or more and share draft/checking needs average daily balance of $500.00 or more. Rates are subject to change at any time.

certificate rates

Share Certificates

Minimum Balance

Dividend Rate

APY*

Term

6-month

$500.00

0.25%

0.25%

6

12-month

$500.00

0.35%

0.35%

12

18-month

$500.00

0.40%

0.41%

18

24-month

$500.00

0.50%

0.51%

24

36-month

$500.00

0.60%

0.61%

36

*Annual Percentage Yield.  Rates are for both Share Certificates and IRA Share Certificates. Dividends are compounded and paid last calendar day of month and on maturity. We may impose a penalty if you withdraw any of the principal before the maturity date. Minimum opening deposit is $500.00 for regular certificates. IRA Share Certificates are a minimum opening deposit of $1000.00. Rates are subject to change daily. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account.

money market rates

Money Market Share Account

Rate

APY*

$10,000 – $24,999

0.35%

0.35%

$25,000 – $49,999

0.40%

0.40%

$50,000 – $999,999

0.45%

0.45%

$100,000+

0.55%

0.55%

*Annual Percentage Yield.  A member may make up to six (6) free withdrawals a month from their Money Market account. If six (6) withdrawals are exceeded a fee will apply to each transaction over six (6), please refer to current Rate and Fee Schedule for further information. No more than six (6) preauthorized, automatic or telephone transfers may be made from this account to another account of yours or to a third party in any month, and no more than three (3) of these six (6) can be made to a 3rd party. Rates are subject to change monthly. Minimum balance required of $10,000 to earn dividend. Fees could reduce the earnings on the account.