St Marys and Affiliates Credit Union
St Marys and Affiliates Credit Union
(Rates Effective as of March 1, 2023)
Rates may vary based on your creditworthiness and repayment options
| Year | Up to 36 Mo. | Up to 48 Mo. | Up to 63 Mo. | Up to 75 Mo. | Up to 84 Mo. |
|---|---|---|---|---|---|
| 2022-2023 | 5.25% APR* | 5.75% APR* | 5.75% APR* | 6.25% APR* | 6.75% APR* |
| 2020-2021 | 6.25% APR* | 6.25% APR* | 6.25% APR* | 6.75% APR* | |
| 2018-2019 | 6.50% APR* | 6.50% APR* | 6.50% APR* | ||
| 2016-2017 | 6.75% APR* | 6.75% APR* | |||
| 2014-2015 | 7.50% APR* |
| Year | 60 Mo. | 72 Mo. | 84 Mo. |
|---|---|---|---|
| 2022-2023 | 7.99% APR* | 7.99% APR* | 7.99% APR* |
| 2014-2021 | 8.99% APR* | 8.99% APR* | 8.99% APR* |
| Loan to Value Rate (LTV) | Rate |
|---|---|
| 70% LTV - 5 Years Fixed | 6.00% APR* |
| 70% LTV - 10 Years Fixed | 7.00% APR* |
| 80% LTV - 15 Years Fixed | 8.00% APR* |
| 80% LTV - 20 Years Fixed | 8.50% APR* |
| 80% LTV - Up to 30 Years Fixed, 5 Year Balloon | 6.00% APR* |
| 81%-90% LTV - Up to 30 Years Fixed, 5 Year Balloon | 7.00% APR* |
| Loan to Value Rate (LTV) | Rates |
|---|---|
| 60% LTV | Prime Rate - Adjusted Quarterly |
| 80% LTV | Prime Rate + 1/2% - Adjusted Quarterly |
| Contact Us For Current Rates & Criteria |
| Classic Card | 9.90% APR* |
| Type | Rate |
|---|---|
| Kwik Cash | 15.00% APR* |
| Shared Secured | 4.00% APR* |
| Certificate | 2.00% APR* Over Certificate Rate |
| Up to 60 Months | 9.90% APR* |
*APR is the Annual Percentage Rate. Your rate may vary based on your creditworthiness and repayment option. Standard loan policies and procedures apply. Loan approval subject to credit qualifications. Membership eligibility required.
*APR = Annual Percentage Rate. Subject to credit approval. Some restrictions apply. APY = Annual Percentage Yield. Membership eligibility is required. Federally insured by the NCUA. St. Mary’s & Affiliates Credit Union is an Equal Housing Opportunity Lender. St. Mary’s & Affiliates Credit Union is a full-service financial institution serving Adams, Dane, Iowa, Juneau, Rock, and Sauk Counties.
© 2023 St Marys and Affiliates Credit Union ALL RIGHTS RESERVED