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Cloverbelt Credit Union

Current Rates

CCU Current Rates
PERSONAL LOANS Rate APR* Term Payment per $1000 borrowed
New and Used Cars/Trucks/Recreational Vehicles (2015-2020)
 2.990 2.990 36 $29.07

3.390 3.390 60 $18.15

3.890 3.890 72* $15.59

4.990 4.990 84** $14.13

6.240 6.240 120^ $11.23
Used Cars/Trucks/Recreational Vehicles (2010-2014) 4.190 4.190 36 $29.61

4.690 4.690 60 $18.73
Used Cars/Trucks/Recreational Vehicles (2009 and older) 6.240 6.240 60 $19.45
Unsecured $10000- $25000 8.690 8.690 60 $24.76
$1500 – $9999 9.690 9.690 48 $25.22
$100 – $1499 12.990 12.990 24 $4.76
Kwik Cash Line of Credit (variable rate loan) 11.000 11.000 n/a $3.00 per $100
Signature Line of Credit (variable rate loan) 10.750 10.750 n/a $2.00 per $100
*Minimum of $12,000 to finance
** Minimum of $18,000 to finance; new vehicles only
^ Term available for boats, RVs and campers only; minimum $18,000 to finance



REAL ESTATE LOANS Rate APR* Term
(months)
Payment
per $1000
Borrowed
1st Mortgage Purchase



5 Year Fixed Rate 3.750 3.948 60 $18.30
10 Year Fixed Rate 4.000 4.105 120 $10.13
15 Year Fixed Rate Call Call 180 Call
20 Year Fixed Rate Call Call 240 Call
30 Year Fixed Rate Call Call 360 Call
3/1 ARM 3.750 3.790 360 $4.63
5/1 ARM 4.000 4.041 360 $4.78
10/1 ARM 4.750 4.793 360 $5.22
2nd Mortgage and Home Equity



5 Year Fixed Rate 5.250 5.451 60 $18.99
10 Year Fixed Rate 5.750 5.858 120 $10.98
15 Year Fixed Rate 6.500 6.578 180 $8.71
Home Equity Line of Credit (HELOC) Call Call Call Call
Construction 4.500 5.427 12 $3.70
Rates and terms also available for investment property, vacant land and commercial loans. Contact a mortgage specialist at 715-843-4663 for more information.
*Annual Percentage Rate



SAVINGS AND CHECKING Dividend Rate APY** Term
Regular Savings ($75 minimum for dividend) 0.350 0.350 n/a
Regular Savings – Youth ($1 minimum for dividend) 0.350 0.350 n/a
Prime Times Savings ($500 minimum for dividend) 0.400 0.400 n/a
Savers's Sweepstakes Savings ($25 for dividend)  0.250 0.250 n/a
Christmas Savings ($25 minimum for dividend) 0.250 0.250 n/a
HSA Savings ($25 minimum for dividend) 0.500 0.500 n/a
IRA Savings ($500 minimum for dividend) 0.350 0.350 n/a
Money Market Savings – Tiered Account ($2,000 minimum for dividend)



Tier 1 (up to $9,999.99) 0.600 0.600 n/a
Tier 2 ($10,000 – $24,999.99) 0.650 0.650 n/a
Tier 3 ($25,000-$74,999.99) 1.000 1.000 n/a
Tier 4 ($75,000+) 1.190 1.200 n/a
Business Savings ($75.00 minimum for dividend) 0.350 0.350 n/a
Interest Checking ($1000 minimum for dividend) 0.200 0.200 n/a
Money Market Checking – Tiered Account ($2000 minimum for dividend)



Tier 1 (up to $9,999.99) 0.350 0.350 n/a
Tier 2 ($10,000 +) 0.500 0.500 n/a
Organization Checking ($500 minimum for dividend) 0.200 0.200 n/a
Business Checking ($5,000 minimum for dividends) 0.200 0.200 n/a
CERTIFICATES Dividend Rate APY** Term
6-Month Certificate with $2500 Minimum Balance 0.400 0.400 6
6-Month Certificate with $10,000 Minimum Balance 0.900
 0.900 6
9-Month Certificate with $5000 Minimum Balance 1.000 1.000 9
12-Month Certificate with $500 Minimum Balance (Education IRA) 0.400 0.400 12
12-Month Certificate with $1000 Minimum Balance 0.600 0.600 12
12-Month Certificate with $5000 Minimum Balance 1.740 1.750 12
13-Month Certificate with $5000 Minimum Balance 1.790 1.800 13
15-Month Certificate with $5000 Minimum Balance 1.840 1.850 15
16-Month Certificate with $5000 Minimum Balance 1.840 1.850 16
18-Month Certificate with $1000 Minimum Balance 1.000 1.000 18
18-Month Certificate with $5000 Minimum Balance 1.840 1.850 18
*** SPECIAL! ***
21-Month Certificate with $5000 Minimum Balance		 2.130 2.150 21
24-Month Certificate with $1000 Minimum Balance 1.090 1.090 24
24-Month Certificate with $5000 Minimum Balance 1.980 1.990 24
30-Month Certificate with $1000 Minimum Balance 1.190 1.200 30
30-Month Certificate with $5000 Minimum Balance 2.080 2.100 30
36-Month Certificate with $1000 Minimum Balance 1.190 1.200 36
36-Month Certificate with $5000 Minimum Balance 2.080 2.100 36
48-Month Certificate with $1000 Minimum Balance 1.290 1.300 48
48-Month Certificate with $5000 Minimum Balance 2.230 2.250 48
60-Month Certificate with $1000 Minimum Balance 1.490 1.500 60
60-Month Certificate with $5000 Minimum Balance 2.380 2.400 60
**APY = Annual Percentage Yield
Fees may reduce earnings on account. A penalty may be imposed for early withdrawal.