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Cloverbelt Credit Union

Current Rates


PERSONAL LOANS

Rates shown here are the lowest rates available. Borrower must qualify for Cloverbelt Credit Union membership, and all loan applications are subject to credit approval. Your rate may vary and is based on your credit score, vehicle mileage, the loan-to-value ratio, and other variables.

Rate APR Term Payment per $1000 borrowed
New and Used Cars/Trucks/Recreational Vehicles (2018-2023)
4.490 4.490 36 $30.59

4.590 4.590 60 $18.68

4.890 4.890 72** $15.76

5.790 5.790 84*** $14.51

5.990 5.990 120^
$11.10

6.890 6.890 180^^ $8.93
Used Cars/Trucks/Recreational Vehicles (2012-2017) 5.290 5.290 36 $30.10

5.490 5.490 60 $19.10
Used Cars/Trucks/Recreational Vehicles (2011
and older)
6.790 6.790 60 $19.70
Personal Loans $10000- $25000 9.990 9.990 60 $21.25
$1500 – $9999
10.990 10.990 48 $25.84
Kwik Cash Line of Credit (variable rate loan) 12.450 12.450 n/a $3.00 per $100
Signature Line of Credit (variable rate loan) 11.500 11.500 n/a $2.00 per $100
Home Freedom Loan ($5000-$25,000) 7.000 7.000 60 $19.80
Home Freedom Loan ($5000-$25,000) 7.500 7.500 120 $11.87
Home Freedom Loan ($5000-$25,000) 8.000 8.000 180 $9.56
**Minimum of $12,000 to finance
*** Minimum of $18,000 to finance; new vehicles only
^ Term available for boats, RVs and campers and compact tractors only; minimum $18,000 to finance
^^Term available for boats, RVs, campers and compact tractors only; minimum $25,000 to finance









REAL ESTATE LOANS

For general information about the types of mortgage loans we offer, contact our Mortgage Specialists or email us at mortgagecenter@ccuwausau.com or by phone at 715 843-4663.

Rate APR Term
(months)
Payment
per $1000
Borrowed
1st Mortgage



5 Year Fixed Rate 5.500 5.706 60 $19.10
10 Year Fixed Rate 5.750
5.859 120 $10.98
15 Year Fixed Rate 6.250 6.328 180 $8.57
3/1 ARM 5.750 6.724 360 $5.84
5/1 ARM 6.000 6.648 360 $6.00
10/1 ARM 6.500 6.715 360 $6.32
2nd Mortgage and Home Equity



5 Year Fixed Rate 7.000 7.208 60 $19.80
10 Year Fixed Rate 7.500 7.613 120 $11.87
15 Year Fixed Rate 8.000 8.082 180 $9.56
Construction 6.000 13.120 12 Variable
(interest only)
Vacant Land



10 Year Fixed 6.500 6.611 120 $11.35
10 Year Balloon/15 Year Term 6.750 6.837 180 $8.85
10 Year Balloon/20 Year Term 7.000 7.079 240 $7.75
10 Year Balloon/30 Year Term 7.250 7.324 360 $6.82

Mortgage rates shown here are the lowest rates available. Borrower must qualify for Cloverbelt Credit Union membership, and all loan applications are subject to credit approval. Your rate may vary and is based on the property type, loan type, term, your credit score, the loan-to-value ratio, and other variables. The rates and monthly payments are per $1,000 borrowed using a single-family primary residence as collateral, with a maximum 80% loan-to-value ratio. For fixed rate loans, the rate shown is for the life of the loan. For ARM loans, the rate/APR shown is effective 11/7/2022 and applies to the initial term. After that period, the loan will adjust to the then-current fully indexed rate. Rates and terms are also available for 20 and 30-year fixed rate home loans on the secondary market, as well as in-house and secondary market investment property and commercial property loans. Please contact a Mortgage Specialist at 715-843-4663 or mortgagecenter@ccuwausau.com for a custom quote that’s tailored to your needs.









SAVINGS AND CHECKING Dividend Rate APY Term
Regular Savings ($75 minimum for dividend) 0.300 0.300 n/a
Regular Savings – Youth ($1 minimum for dividend) 0.300 0.300 n/a
Prime Times Savings ($500 minimum for dividend) 0.350 0.350 n/a
Savers's Sweepstakes Savings ($25 for dividend)  0.300 0.300 n/a
Christmas Savings ($25 minimum for dividend) 0.300 0.300 n/a
HSA Savings ($25 minimum for dividend) 0.400 0.400 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) 0.900 0.900 n/a
Tier 3 ($25,000-$74,999.99)
1.240
1.250 n/a
Tier 4 ($75,000+) 1.740 1.750 n/a
Business Savings ($75.00 minimum for dividend) 0.200 0.200 n/a
Interest Checking ($1000 minimum for dividend) 0.100 0.100 n/a
Money Market Checking – Tiered Account ($2000 minimum for dividend)



Tier 1 (up to $9,999.99) 0.400 0.400 n/a
Tier 2 ($10,000 +) 0.600 0.600 n/a
Organization Checking ($500 minimum for dividend) 0.100 0.100 n/a
Business Checking ($5,000 minimum for dividends) 0.100 0.100 n/a
*Annual Percentage Yield








CERTIFICATES Dividend Rate APY Term
6-Month Certificate with $2500 Minimum Balance 0.650 0.650 6
6-Month Certificate with $10,000 Minimum Balance 0.750
0.750 6
9-Month Certificate with $5000 Minimum Balance 0.800 0.800 9
12-Month Certificate with $500 Minimum Balance (Education IRA) 0.650 0.650 12
12-Month Certificate with $1000 Minimum Balance 1.050 1.050 12
12-Month Certificate with $5000 Minimum Balance 2.230 2.250 12
13-Month Certificate with $5000 Minimum Balance 3.940 4.000 13
15-Month Certificate with $5000 Minimum Balance 2.230 2.250 15
16-Month Certificate with $5000 Minimum Balance 2.230 2.250 16
18-Month Certificate with $1000 Minimum Balance 1.240 1.250 18
18-Month Certificate with $5000 Minimum Balance 2.230 2.250 18
21-Month Certificate with $5000 Minimum Balance 2.470 2.500 21
24-Month Certificate with $1000 Minimum Balance 1.490 1.500 24
24-Month Certificate with $5000 Minimum Balance 2.470 2.500 24
30-Month Certificate with $1000 Minimum Balance 1.240 1.250 30
30-Month Certificate with $5000 Minimum Balance 2.230 2.250 30
36-Month Certificate with $1000 Minimum Balance 1.640 1.650 36
36-Month Certificate with $5000 Minimum Balance 2.720
2.750 36
48-Month Certificate with $1000 Minimum Balance 1.990 2.000 48
48-Month Certificate with $5000 Minimum Balance 2.970 3.000 48
60-Month Certificate with $1000 Minimum Balance 2.230 2.250 60
60-Month Certificate with $5000 Minimum Balance 3.210 3.250 60
*Annual Percentage Yield