Skip Navigation
Bank Online
Join

It’s Easy To Qualify – Just Ask How!

(Rates Effective as of January 1, 2022) 

Rates may vary based on your creditworthiness and repayment options

Vehicles & Motorcycles
(You may be eligible for a 1% rate discount with our Member Loyalty Program)

YearUp to 36 Mo.Up to 48 Mo.Up to 63 Mo.Up to 75 Mo.Up to 84 Mo.
2021-20221.99% APR*2.50% APR*2.50% APR*2.99% APR*3.50% APR*
2019-20202.99% APR*2.99% APR*2.99% APR*3.99% APR*
2017-20183.24% APR*3.24% APR*3.24% APR*
2015-20164.99% APR*4.99% APR*
2013-20145.99% APR*

Boats, Camper Trailers, RV's
(You may be eligible for a 1% rate discount with our Member Loyalty Program)

Year60 Mo.72 Mo.84 Mo.
2021-20225.99% APR*5.99% APR*5.99% APR*
2013-20206.99% APR*6.99% APR*6.99% APR*

Home Equity

Loan to Value Rate (LTV)Special RateRegular Rate
70% LTV - 5 Years Fixed2.49% APR**2.74% APR**
70% LTV - 10 Years Fixed2.74% APR**2.99% APR**
80% LTV - 15 Years Fixed2.99% APR**3.24% APR**
80% LTV - 20 Years Fixed3.25% APR**3.50% APR**
80% LTV - Up to 30 Years Fixed, 5 Year Balloon3.99% APR**
81%-90% LTV - Up to 30 Years Fixed, 5 Year Balloon4.99% APR**

Motor Homes

Loan to Value Rate (LTV)Normal Rates
80% LTV - Up to 30 Years Fixed, 5 Year Balloon4.00% APR*
81%-90% LTV - Up to 30 Years Fixed, 5 Year Balloon5.00% APR*

Home Equity Line of Credit

Loan to Value Rate (LTV)Rates
60% LTVPrime Rate - Adjusted Quarterly
80% LTVPrime Rate + 1/2% - Adjusted Quarterly

1st Mortgage Loans

Contact Us For Current Rates & Criteria

Mastercard

Classic Card 9.90% APR*

Types of Loans

TypeRate
Kwik Cash15.00% APR*
Shared Secured4.00% APR*
Certificate2.00% APR*

Unsecured
(You may be eligible for a 1% rate discount with our Member Loyalty Program)

Up to 60 Months9.90% APR*
Holiday Loan Special (offer ends 12/23/21)6.99% APR*

** Rates as low as 6.99% Annual Percentage Rate. Rates and terms based on creditworthiness. The maximum loan amount is $2,500 with terms up to 12 months. New money only. Interest will begin accumulating at the date of loan signing; first payment will include all interest accrued from loan origination date. This is a special rate, member loyalty discount does not apply. Rates and promotion are subject to change without notice. Membership eligibility required. Offer valid 11/1/21 - 12/23/21.

*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. **Special Rate. Existing loans do not qualify unless there is an add-on of at least $20,000.

*APR = Annual Percentage Rate. Subject to credit approval. Rate and term available for 2019 and newer vehicles only. 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.