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Loan Rates

Savings Rates

Fee Schedule

As a not-for-profit financial institution working to serve our members’ financial needs, Kaskaskia Valley Community Credit Union provides affordable loan rates and and flexible terms. Consult the charts below for our current rates, and contact us to learn more about how we can help you reach your goals!

Auto Loan Rates (effective date 8/19/14)
All rates given reflect Annual Percentage Rate*
Model Year Term Rate Conditions
2010 - 2013 Up to 63 mo. As low as 1.99% Mileage in excess of 150,000 limits loan amount based on NADA value. Terms greater than 63 months only available on vehicles 2006 and newer, with a loan amount of $15k or greater and mileage less than 30,000 miles. If total amount of loan is less than 80% of the MSRP or NADA retail value, a rate reduction of .50% will be applied. Rates listed are valid for new purchases & refinances from other lenders only.
2010 - 2013 Up to 72 mo. As low as 2.54%
2005 - 2009 Up to 48 mo. As low as 1.99%
2005 - 2009 Up to 63 mo. As low as 2.34%
2004 & Older Up to 36 mo. As low as 3.49%
2004 & Older Up to 48 mo. As low as 4.29%
2004 & Older Up to 63 mo. As low as 5.29%

*Rates quoted are lowest available rates. Actual rates are subject to membership eligibility and creditworthiness. Rates are subject to change without notice. One percent should be added to the published rate in the event of adding additional money to an existing in-house loan for car repairs, bill consolidation or using a title to a vehicle as collateral to secure an in-house loan. Floor rate is 1.74% APR, and 18% is the maximum rate. Please contact the credit union for current loan rates and loan details.

Recreational Loan Rates (effective date 8/19/14)
All rates given reflect Annual Percentage Rate*
Model Year Term Rate Conditions
New & Used Recreational Up to 48 mo. As low as 5.79%

Increase rate by 1% for all models 2007 & older. 100% financing available on loans up to $15k. All other loans require money down or trade equity.

New & Used Recreational Up to 60 mo. As low as 5.99%
New & Used Recreational Up to 72 mo. As low as 6.19%

*Rates quoted are lowest available rates. Actual rates are subject to membership eligibility and creditworthiness. Rates are subject to change without notice. Floor rate is 5.54% APR. Please contact the credit union for current loan rates and loan details.

Motorsports Loan Rates (effective date 8/19/14)
All rates given reflect Annual Percentage Rate*
Model Year Term Rate Conditions
New Motorsports Up to 63 mo. As low as 2.99% If total loan amount is less than 80% of the MSRP or NADA retail VAlue of the vehicle, a rate reduction of .50% will be applied.
New Motorsports Up to 72 mo. As low as 3.54%
2012 - 2010 Motorsports Up to 63 mo. As low as 4.99%
2012 - 2010 Motorsports Up to 72 mo. As low as 5.79%
2005 - 2009 Motorsports Up to 48 mo. As low as 5.29%
2005 - 2009 Motorsports Up to 63 mo. As low as 5.49%
2004 & Older Motorsports Up to 63 mo. As low as 5.99%

*Rates quoted are lowest available rates. Actual rates are subject to membership eligibility and creditworthiness. Rates are subject to change without notice. Please contact the credit union for current loan rates and loan details.

Personal Loan Rates (effective date 8/19/14)
All rates given reflect Annual Percentage Rate*
Model Year Term Rate Conditions
Signature $1,000 - 2,999 Up to 12 mo. As low as 6.99%  
Signature $1,000 - 2,999 Up to 24 mo. As low as 7.99%
Signature $3,000+ Up to 36 mo. As low as 8.99%
Line of Credit Open 16%
Shared Secured Up to 36 mo.
or deposit maturity
4.0% above dividend

*Rates quoted are lowest available rates. Actual rates are subject to membership eligibility and creditworthiness. Rates are subject to change without notice. Please contact the credit union for current loan rates and loan details.

Visa® Credit Card Rates (effective date 8/19/14)
All rates given reflect Annual Percentage Rate*
Card Type Rate Conditions
Visa Platinum 6.90% Maximum limit depends upon years of employment, and ranges from $500 to $8,000.
Visa Classic 12.50% $8,000

*Rates quoted are lowest available rates. Actual rates are subject to membership eligibility and creditworthiness. Rates are subject to change without notice. Please contact the credit union for current rates and details.

Please contact the credit union for current rates for home equity loans.