Loan Rates
Car Loans
New & Used Cars and Trucks
| Vehicle Year | Loan Term | APR as low as |
|---|---|---|
| 2017-2027 | Up to 60 months | 4.99% |
| 2017-2027 | 61 to 72 months | 5.24% |
| 2017-2027 | 73 to 84 months | 5.99% |
Advertised APR includes a 0.50% loan-rate discount for qualifying Dream Rewards Checking relationships. Other terms and conditions may apply.
2016 & Older Used Cars and Trucks
| Vehicle Year | Loan Term | APR as low as |
|---|---|---|
| 2016 & Older | Up to 60 months | 6.24% |
| 2016 & Older | 61 to 72 months | 6.49% |
Advertised APR includes a 0.50% loan-rate discount for qualifying Dream Rewards Checking relationships. Other terms and conditions may apply.
All RV's and All Motorcycles
| Vehicle Year | Loan Term | APR as low as |
|---|---|---|
| 2017-2027 | Up to 60 months | 7.74% |
| 2017-2027 | 61 to 144 Months | 7.99% |
| 2017-2027 | 145 to 180 months | 8.24% |
| 2016 & Older | Up to 60 months | 8.49% |
| 2016 & Older | 61 to 84 months | 8.99% |
| 2017-2027 | 120 month term with a 240 month amortization. | 8.49% |
Advertised APR includes a 0.50% loan-rate discount for qualifying Dream Rewards Checking relationships. Other terms and conditions may apply.
Mortgages
First Mortgage Rates
| Mortgage Type | Term | APR as low as |
|---|---|---|
| View current first-mortgage rates and get a personalized quote. | N/A | See Rates |
First-mortgage rates vary by scenario. View current rates and get a personalized quote through Cyprus Credit Union's mortgage quote experience.
Home Refinance Loans
| Mortgage Type | Term | APR as low as |
|---|---|---|
| Short & Sweet Mortgage | 10 Year | 6.375% |
| Short & Sweet Mortgage | 15 Year | 6.625% |
| Cash-Out Refinance | See First Mortgage Rates | See Rates |
Rates are subject to change. Published terms describe an owner-occupied refinance with maximum 80% LTV, minimum 680 FICO score, and the displayed maximum loan qualification.
Second Mortgage
| Mortgage Type | Term | APR as low as |
|---|---|---|
| Fixed Rate 2nd Mortgage | 10 years | 6.49% |
| Fixed Rate 2nd Mortgage | 20 years | 6.99% |
To apply, please call 801-260-7600 ext. 5330 or contact us at homeequity@cypruscu.com .
Home Equity Line of Credit
| Mortgage Type | Term | APR as low as |
|---|---|---|
| HELOC | N/A | 6.75% |
The promotional APR applies for the first six months; the standard APR applies after the promotional period.
Construction & Lot Loans
| Mortgage Type | Term | APR as low as |
|---|---|---|
| Construction Loan | Up to 12 months | 6.5% |
| Construction Loan | 12 month construction period | 6.625% |
| Improved Lot Loan | 30/5 | 6.5% |
| Improved Lot Loan | 10 Year Fixed | 6.99% |
Call a Construction Loan Officer at 801-260-7600 ext. 5340 for more information. Contact us at construction@cypruscu.com. Prime interest rate = 6.75% Historical Prime Rates
Personal Loans
Unsecured (Signature Loans)
| Loan Type | Term / Formula | APR as low as |
|---|---|---|
| Signature Loan | 48 Months | 12.49% |
Share & Certificate Loans
| Loan Type | APR as low as |
|---|---|
| Share Secured | 3.00% over highest declared dividend rate |
| Certificate Secured | 3.00% over the CD rate |