Rates and fees

The loan that didn’t get away.

Great rates keep bringing members back to 1st Cooperative FCU.

Loan Rates

As of 7/1/2022

If you find a better rate, we may be able to match it

Loan Type
APR*
New autos
3.29% – 14.79%
Used autos
3.49% – 14.99%
New or Used Watercraft
4.90% – 16.40%
New RV or ATV
4.90% – 16.40%
Used RV or ATV
5.90% – 17.40%
Personal
8.50% – 18.00%
Line of Credit
8.50% – 18.00%
Visa Platinum Credit Card
8.50% – 17.00%
Generator
6.90% – 18.00%
New Farm Equipment
8.50% – 18.00%
Used Farm Equipment
9.50% – 18.00%
Secured by Savings
2.60%
Help in a Hurry: Your Payday Loan Alternative
18.00%

Loan interest rates vary depending on the type of loan. Final rate is determined upon application and loan approval.

$30 minimum payment on all loan advances. Rates are subject to change without prior notice.

Minimum payment for personal lines of credit or overdraft protection, which is also a line of credit, will be $30. Payments are calculated on amount of the credit limit established. Maximum loan amounts are based on credit score and other underwriting criteria.

Minimum payment for Visa Platinum credit card will be $25. Payments are calculated on 3% of amount owed. Maximum loan amounts are based on credit score and other underwriting criteria.

Maximum loan amounts are based on credit score and other underwriting criteria for all the above category of loans.

Other restrictions may apply.

*APR = Annual Percentage Rate

contact us

with any questions about our financial services.

CALL US

803-796-0234 M-F, 8:30 a.m. – 5 p.m.

Mom knows best. Sandra sent her son, Ben, to 1st Cooperative when he was planning to buy a boat. “1st Cooperative was able to beat the interest rates and terms I’d seen,” Ben said. “I got a personal loan for the down payment, and once the boat was completed, they converted the personal loan to a boat loan. They are so helpful.” Since then, Ben also bought a truck with the credit union’s help.

Mom is pretty smart. Ben would be wise to share some of that fresh catch with her.