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loan rates from Madison Wisconsin Credit Union

Loan Rates

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  • Real Estate Loans
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    Vehicle Loans

    New Vehicles
    Term up to:
    APR* as low as
    48 months 2.44%
    60 months 2.69%
    72 months 3.24%
    84 months 3.74%
    96 months 3.99%
    Used Vehicles (2010 and newer)
    Term up to:
    APR* as low as
    48 months 2.69%
    60 months 2.99%
    72 months 3.24%
    Used Vehicles (2009 and older)
    Term up to:
    APR* as low as
    60 months 3.99%
    72 months 4.24%
    Large Recreational Vehicles: Motorhomes, Boats, 5th Wheels, Travel Trailers
    Term up to:
    APR* as low as
    60 months 5.99%
    84 months 6.24%
    144 months 6.74%
    180 months 6.99%
    Small Recreational Vehicles: Scooters, ATVs, Snowmobiles, Jetskis
    Term up to:
    APR* as low as
    60 months 3.99%
    72 months 4.24%
    84 months 4.74%

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    Real Estate Loans

    1st Mortgages APR* as low as
    7 Year 2.49%
    10 Year 3.19%
    12 year 3.34%
    15 year 3.89%
    Up to 30 year Today's Rates
    SPECIAL Introductory Home Equity Line of Credit (variable rate) APR** as low as for 6 months
    Up to 80% LTV 1.74%
    Up to 90% LTV 1.75%
    Up to 100% LTV 3.25%
    Fixed Second Mortgage
    Up to 70% LTV APR* as low as Up to 80% LTV APR* as low as Up to 90% LTV APR* as low as Up to 100% LTV APR* as low as
    5 Year 3.74% 3.99% 4.49% 5.49%
    7 Year 3.99% 4.24% 4.74% 5.74%
    10 year 4.24% 4.49% 4.99% N/A
    15 year 4.49% 4.74% N/A N/A
    Adjustable Rate Second Mortgage Loan to Value (LTV) APR* as low as
    3/1 ARM Up to 100% 4.00%
    5/1 ARM Up to 90% 4.25%
    7/1 ARM Up to 90% 4.50%

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    Other Loans

     TermAPR*
    Personal
    Including DREAMer and Quinceañera
    Up to 60 months 9.80%
    Advantage Line Revolving 9.80% Fixed
    Kwik Cash Overdraft line Revolving 14.90% Fixed
    Share Secured/Credit Builder Up to 48 months 3.00% + pledged share rate

    Debt Counseling

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    *APR is Annual Percentage Rate. Your actual loan rate will be based on your credit history and term of loan and amount financed. Lowest possible rate on an Equity Express home equity line of credit is 3.99% APR and highest possible rate is 14.99% APR. Rates subject to change. Prime Rate is 3.75% as of 12/14/16. LTV is determined by adding the total of all mortgage loans owed, including 1st and 2nd, divided by the current value of the home.

    **SPECIAL INTRODUCTORY RATE HOME EQUITY LOAN DETAILS: *APR is Annual Percentage Rate. Offer only available on new money loans to Dane County Credit Union. Normal credit granting standards apply. Home Equity line of credit rates are variable and subject to change quarterly, based on the prime rate as stated in The Wall Street Journal (4.00%APR as of 3/15/17). Special introductory offer is 2.25% less than current rates. Your actual rate will be based on your credit score. After the 6 month introductory rate period, your rate will be adjusted to match current rates. For 80% and lower loan to value (LTV) the rate will be as low as prime minus 1.00%, currently with a floor of 3.99%; up to 90% LTV, as low as prime rate, currently with a floor of 3.99%; up to 100% LTV, as low as prime plus 1.50%, currently at 5.50%. The APR is subject to change monthly but cannot exceed 14.99% during the life of the loan. Interest begins to accrue from date of advance. Minimum required monthly payment is interest only. Covered closing costs include $99 for properties in Dane County, WI and $149 outside Dane County. Appraisal fee is additional if required. Proof of homeowners insurance is required. No transaction or annual fees apply. Offer cannot be combined with any other offer and expires on June 15, 2017. $5 savings account is required. Credit union reserves the right to cancel offer at any time.

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