Loan Rates

AUTO LOANS     

New Vehicles (Titled in the last 6 months) 
Term Payment Example Amount APR* Payment

36 months
48 months
60 months
72 months
84 months

$8,500
$8,500
$10,000
$15,000
$20,000

as low as 2.14%
as low as 2.39%
as low as 2.64%
as low as 2.89%
as low as 3.39%

$242.89
$184.95
$177.01
$225.52
$265.56

Used Vehicles 2008 to 2018 
Term Payment Example Amount APR Payment
48 months
60 months
66 months
$8,500
$10,000
$15,000
as low as 2.89%
as low as 3.14%
as low as 3.39%
$186.81
$179.22
$247.79
Used Vehicles 2007 & Older
Term Payment Example Amount APR Payment
48 months
60 months
$8,500
$10,000
as low as 3.89%
as low as 4.14%
$190.58
$183.70
       

HOME EQUITY LOANS

70% maximum Loan to Value
Term Payment Example Amount APR Payment

60 months
120 months
180 months
240 months

$8,500
$10,000
$15,000
$20,000

as low as 4.49%
as low as 4.74%
as low as 5.49%
as low as 6.00%

$157.49
$103.61
$120.53
$140.33
80% maximum Loan to Value
Term Payment Example Amount APR Payment
60 months
120 months
180 months
240 months
$8,500
$10,000
$15,000
$20,000

as low as 4.99%
as low as 5.24%
as low as 5.99%
as low as 6.49%

$159.42
$106.04
$124.51
$146.10

 

90% maximum Loan to Value
Term Payment Example Amount APR Payment
60 months
120 months
180 months
240 months
$8,500
$10,000
$15,000
$20,000
as low as 5.74%
as low as 5.99%
as low as 6.74%
as low as 7.24%
$162.35
$109.74
$130.61
$154.98
   
 
 

 

HOME EQUITY LINE OF CREDIT

LTV   APR

1 Year Intro Rate

Up to 70%
70% to 80%
81% to 90%
Prime - 0.50%*
Prime
Prime + 0.75%
* floor rate is 3.99%
4.25%
4.75%
5.50%
1.99%
2.49%
3.24%
       

STUDENT LOANS

    APR  
Parent Student Education Loan   6.00%  
     

RECREATIONAL EQUIPMENT LOANS

2013 to 2018
Term Payment Example Amount APR Payment
36 months
48 months
60 months
$5,000
$7,500
$10,000
as low as 2.89%
as low as 3.14%
as low as 3.39%
$144.29
$164.32
$178.53
2012 & older
Term Payment Example Amount APR Payment
36 months
48 months
60 months
$5,000
$8,500
$10,000
as low as 3.89%
as low as 4.14%
as low as 4.39%
$146.50
$190.00
$183.01
       

BOAT & RV LOANS

2013 to NEW
Term Payment Example Amount APR Payment
48 months
72 months
120 months
144 months
$8,500
$10,000
$15,000
$20,000
as low as 3.49%
as low as 3.99%
as low as 5.24%
as low as 5.49%
$186.24
$151.90
$153.60
$221.96
2012 & Older
Term Payment Example Amount APR Payment
48 months
72 months
120 months
144 months
$8,500
$10,000
$15,000
$20,000
as low as 4.49%
as low as 4.99%
as low as 6.24%
as low as 6.49%
$190.00
$160.88
$160.53
$205.59
       

SHARE SECURED LOANS

    APR  
Primary Share, Money Market,
or CD secured
2.00% above
deposit rate
3.50% minimum
       

UNSECURED LOANS

Term Payment Example Amount APR Payment
36 months $3,000 as low as 13.64% $102.52
       

MASTERCARD 

    APR  

MasterCard Classic

MasterCard Choice Rewards

Learn More

 

11.74%
14.74%

No Annual Fee 

No Annual Fee 

       

LINE OF CREDIT

    APR  
No Annual Fee No Advance Fee 12.90%  
       
For more information, please call (507) 387 - 3055

Rates and terms are subject to change at any time based upon Asset-Liability Committee (ALCO) review and changing market conditions.  These rates and terms do not constitute a contract or obligation.  Rates are calculated based on an evaluation of credit history, loans terms including number of scheduled amounts to repay, loan-to-value, and account relationships with Minnesota Valley FCU based on the EZ Six Rewards.  Additional restrictions may apply.   *APR = Annual Percentage Rate.  Rates quoted are the lowest possible including discounts, so your rate may differ. Total of all discounts limited to 1.50%.
 

Contact the loan department for details at 507-387-3055 or 800-247-0522 or via email  loan@mnvalleyfcu.coop. To see our current Savings Rates, click here.
 

~Private Party Purchase Interest Rate Adjustment: +1.00% for private party sale transactions from one individual to another.
 

Discounts Available

*Discount of .25% for 10% down payment over required amount. *Add.50% to Real Estate Loans with amortizations over 240 months. *Add .20% for now auto loan payment. *Add .25% for no Private Mortgage Insurance. Add .50% for Non- Conforming Loans. 

Consumer Credit Score Discount of up to 0.25% available to those who qualify. Discount is determined by the credit bureau (Beacon) score.

Home Equity Installment Credit Score Discount of up to 0.25% available to those who qualify. Discount is determined by the credit bureau (Beacon) score.

Discount of 0.25% available for 10% down payment over required amount.

Today's Rates

APR as low as:     
New Auto 36 month fixed 2.14%
Used Auto 48 month fixed 2.39%
Home Equity 15 yr fixed 5.49%
Home Equity Line of Credit 4.25%
   
APY* as high as:  
Share Savings (S1)     0.25%
Money Market (S6) 0.25 - 0.70%
36 Month Certificate 2.06%
48 Month Certificate 2.31%
60 Month Certificate 2.56%
   
U.S. Treasury Rates on 04/20/2018:  
1 Year 2.22%
5 Year 2.80%
10 Year 2.96%
   
Rates Subject to Change. Restrictions may apply.
 View All Rates for details. *APY (Annual Percentage Yield)

 

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