Loan Rates
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. 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 .85%.
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 | 1.89% |
Used Auto 48 month fixed | 2.39% |
Home Equity 5 yr fixed | 5.49% |
Home Equity Line of Credit | 2.99% |
APY* as high as: | |
Share Savings (S1) | 0.15% |
Money Market (S6) | 0.15 - 0.70% |
36 Month Certificate | 0.55% |
48 Month Certificate | 0.65% |
60 Month Certificate | 0.75% |
Rates Subject to Change. Restrictions may apply. | |
*APY (Annual Percentage Yield) |