Loan Rates

As your not-for-profit financial cooperative, City & County Credit Union is guided by a promise to do more than make a profit. That focus on people, not profit, is the reason we have some of the best rates around. But don't take our word for it, see for yourself.

Apply online, by phone, or stop in at any of our offices locations.

Rates effective 05/09/2016

Auto / Boat / Recreational Vehicle Loan Rates

Model Years Term APR as low as
2011 and newer

36 months
48 months
60 months
72 months
84 months


2007 to 2010

36 months
48 months
60 months
72 months


APR = Annual Percentage Rate

Example payment - A loan of $15,000 for a term of 60 months at 2.49% APR results in 59 payments of $266.16 with a final payment of $265.55.

Not including small recreation vehicles such as ATV or Jet Ski. Call for rates. 

Lines of Credit

Checking Line of Credit

14.00% fixed APR

Savings Secured

3.00% fixed APR over the savings rate earned, rounded up to the nearest 0.25%

Unsecured Loan

10.99% APR to 18.00% fixed APR

Interest rate subject to creditworthiness. New vehicles financed up to 100% of the purchase price, used up to 100% NADA retail including options for qualified borrowers. Term limits may apply.

Home Loans

Beyond first and second mortgages and home equity lines of credit, we finance land and cabin purchases. To discuss our various mortgage options, including Realty services, please contact us at 651-225-2700 or 1-800-223-2801.

Mortgage Loans

Visit our mortgage page for mortgage loan rates.

Adjustable Rate Mortgages (ARM)

Contact us for current rates.

Home Equity

Up to 20 years as low as

3.99% fixed APR

Home Equity Line of Credit – variable rate

This rate may vary during the term of the loan not to exceed 18.00% APR.

Up to 60% loan to value

Up to 15 years with a 15 year draw

1.99% APR Intro Rate, 3.25% APR

Up to 80% loan to value

Up to 15 years with a 15 year draw

1.99% APR Intro Rate, 3.75% APR

Cabin Loans

Purchase or non-purchase

Up to 15 years as low as

4.99% fixed APR

MasterCard® Credit Cards

Annual percentage rate for purchases and cash advances
Platinum Credit Card

8.99% - 18.00% APR

Platinum Rewards Credit Card

10.99% - 18.00% APR

Share Secured Credit Card, as low as

7.99% APR

Annual percentage rate may increase or decrease based on certain credit worthiness, not to exceed state law. Terms and conditions are found on the application you receive.

APR = Annual Percentage Rate. Actual Rates and APRs may vary based on credit history. Rates and APRs are subject to change at any time without notice. This is not an advertisement to extend consumer credit as defined by Sec. 226.2 of regulation Z, nor is it an offer to enter into an interest rate or discount point agreement which may only be made pursuant to subdivisions 3&4 of Sec 47.206 of the Minnesota Statutes. All loans must be approved prior to locking.

The closing costs for a home loan of $49,999 range from $421 to $646 not including appraisal fee. Property insurance is required. Example payment: A $49,999 mortgage with a term of 60 months at 3.99% results in 59 payments of $920.59 and a final payment of $920.08s. Home Mortgage protection is available. Certain residency and other eligibility requirements may apply for home loans. To obtain a loan, you must be a Credit Union member with a Share Savings balance of at least $5. Rates are subject to change without notice.

Auto/Boat/Recreational Vehicle
Loan terms range from 0 to 72 months.

Cabin Loans
Rate listed for 60% LTV. A $50,000 cabin/lot loan at 4.99% for 180 months results in 179 payments of $395.21 and a final payment of $394.74. 

Lines of Credit
Checking Line of Credit: No pre-determined loan term.
Savings Secured: Loan terms range from 0 to 24 months.
Unsecured Loan: Loan terms range from 0 to 48 months with a maximum annual percentage rate (APR) of 18.00%. Rate determined by creditworthiness and other loan criteria. Rates subject to change.

Other restrictions may apply.

Tools & Resources

  • Calculators

  • Deposit Rates

  • Loan Rates

  • Forms