i Madison Loan Rates - Low Interest Loans - Dane County Credit Union
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loan rates from Madison Wisconsin Credit Union

Loan Rates

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Vehicle Loans

New Vehicles
(2021 and newer)
Term up to:

APR* as low as Monthly Payment Per $1000**
48 months 1.99% $21.69
60 months 1.99% $17.52
72 months 2.09% $14.79
84 months*** 2.99% $13.21
Used Vehicles (2014 - 2020)
Term up to:
APR* as low as Monthly Payment Per $1000**
48 months 2.09% $21.73
60 months 2.39% $17.70
72 months 3.29% $15.32
84 months*** 3.99% $13.66
Used Vehicles (2013 and older)
Term up to:
APR* as low as Monthly Payment Per $1000**
48 months 3.99% $22.57
60 months 4.49% $18.64
72 months 5.09% $16.15
Large Recreational Vehicles: Motorhomes, Boats, 5th Wheels, Travel Trailers
Term up to:
APR* as low as Monthly Payment Per $1000**
60 months 3.99% $18.41
84 months 4.99% $14.13
120 months 6.99% $11.61
180 months 7.49% $9.26
Small Recreational Vehicles: Scooters, ATVs, Snowmobiles, Jetskis
Term up to:
APR* as low as Monthly Payment Per $1000**
48 months 4.69% $22.89
60 months 4.99% $18.87
72 months 5.49% $16.33

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Real Estate Loans

First Mortgages

1st Mortgages APR* as low as Monthly Payment Per $1000
7 Year Fixed 2.790% $13.12
10 Year Fixed 2.990% $9.65
12 year Fixed 3.090% $8.32
15 or 30 Year Fixed Contact Us
7/1 ARM Contact Us

Second Mortgages

Home Equity Line of Credit (variable rate) APR* as low as Monthly Payment Per $1000**
Up to 80% LTV 1.49% Intro†† Variable
Second Mortgage Fixed Rate Up to 70% Loan to Value
Term APR* as low as Monthly Payment Per $1000**
5 Year 3.74% $18.30
7 Year 4.24% $13.78
10 year 4.74% $10.48
15 year 5.74% $8.30
Second Mortgage Fixed Rate Up to 80% Loan to Value
Term APR* as low as Monthly Payment Per $1000**
5 Year 3.99% $18.41
7 Year 4.49% $13.90
10 year 4.99% $10.60
15 year 5.99% $8.43

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Other Loans

Loan Type Term APR* Monthly Payment Per $1000**
Project Home Loan Up to 72 months (as low as) 7.90% $17.48
Personal
(including DREAMer and Quinceanara)

Up to 24 months

(as low as) 6.79% $44.68
Up to 60 months (as low as) 7.99% $20.27
Advantage Line Revolving 9.99% Fixed $15 or 2% of balance (whichever is greater)
Kwik Cash Overdraft line Revolving 14.90% Fixed $15 or 2% of balance (whichever is greater)
Share Secured/Credit Builder Up to 60 months 3.00% $17.97
Certificate Secured Up to 60 months 3.00% + pledged share rate Varies

Debt Counseling

GreenPath offers free credit counseling and debt counseling to help ease your financial stress, address your financial concerns, and develop a plan for living a financially healthy life. If you’re concerned about debt... GreenPath can help.

*APR is Annual Percentage Rate. Your actual loan rate will be based on your credit history and term of loan and amount financed.

**Monthly payment is based on payment per $1,000 for term and rate shown.

***Minimum loan amount is $30,000.

†Monthly payment is based on payment per $1,000 for term and rate shown. Payments listed do not include amounts for property taxes or hazard insurance.

†† The fixed introductory rate of 1.49% for 12months is valid for new DCCU home equity line of credit requests for homeowners with up to 80% combined loan-to-value (LTV). After the introductory period the variable rate will be as low as 3.99% and is tied to the Prime Rate, as published in the Wall Street Journal, plus a margin. Prime rate is 3.25% as of 3/16/2020. Rates subject to change but cannot exceed 14.99%. Interest begins to accrue from the date of advance. Minimum monthly payment during 10-year draw period is interest only. No annual fees. Normal closing costs ($204 - $325) waived unless appraisal or title insurance fees are required. Proof of homeowners insurance required. Offer is subject to normal credit qualifications. Existing Home Equity Lines of Credit must increase by a minimum of $5,000 to qualify for the introductory rate. Minimum credit score of 630 is required to qualify for promotional introductory rate. $5 membership savings account required. Consult a tax advisor regarding the deductibility of interest. Offer is subject to change without notice.

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