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Loan Rates

Auto, Cycle, RV & Boat

Year Terms APR* as low as
2019-2016 Up to 60 months 3.49%
Up to 72 months 3.69%
Up to 84 months 4.09%
New Only ($35,00+) Up to 96 months 5.09%
2015-2012 Up to 60 months 4.29%
Up to 72 months 4.59%
2011-2009 Up to 54 months 5.49%
2008 & Older Up to 48 months 7.49%
RV & Boat 120-144 months 5.49%
RV & Boat ($45,000+) 145-180 months 6.49%

*Annual Percentage Rate. APR shown includes up to .50% discount for preferred member pricing. Rate and length of term may vary by model. Other credit qualifications may apply. Rates subject to change and based on credit worthiness. Rates accurate as of December 1, 2018.

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Learn how GAP saves you money.


Other Secured

Type Terms APR* as low as
Share Secured Up to 48 months +3.00% over regular share rate
Unsecured Term Up to 48 months 10.99%
*Annual Percentage Rate. Other credit qualifications may apply. Rates subject to change and based on credit worthiness. Rates accurate as of December 1, 2018.

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First Mortgages

Janesville - Call Pat Knoble at (608) 758-4530 or email pknoble@firstccu.com

Monroe - Call Debbie Watson at (608) 329-7800 or email dwatson@firstccu.com

Beloit - Call Leslie Hass at (608) 313-3382 or email lhass@firstccu.com

Rockford - Call John Welch at (815) 316-3052 or email jwelch@firstccu.com

Rates for Investment, Rental, and Land/Lot loans available upon request.


Home Equity Products 

Type Terms APR* as low as

Home Equity Loan

Fixed Rate

No Closing Costs

Up to 60 months 4.75%
Up to 120 months 5.25%

Home Equity

Line of Credit (HELOC)

Up to 120 months

4.25% Variable

WSJ Prime - 1.00%**

*Annual Percentage Rate. Other credit qualifications may apply. Rates subject to change and based on credit worthiness. 

**Based on the Wall Street Journal Prime rate plus disclosed margin.

Rates accurate as of December 1, 2018.

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Lines of Credit

Type APR* as low as
Unsecured LOC Fixed Rate 9.99%
VISA CC Fixed Rate 9.99%
*Annual Percentage Rate. Other credit qualifications may apply. Rates subject to change and based on credit worthiness. Rates accurate as of December 1, 2018.

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 Federally insured by the National Credit Union Administration (NCUA) 

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Take advantage of our low introductory rate of 3.99% APR for 12 months plus no balance transfer fees!

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