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Loan Rates

Risk-Based

Rates as of October 1, 2022.

Rates are subject to change daily and without notice. Call 931-484-9433, extension 122 for current rates. 

YR 2014 - 2022 Autos, Boats, Campers, Farm Equipment, Recreational Vehicles, and Street Motorcycles


Older Model Vehicles (Call Credit Union for rates) 

Loan Rates Subject to an 18.00% APR Rate Ceiling


Credit Rating Rates As Low As (APR*)
0 - 60 months 5.50%
61 - 72 months 6.50%
73 and higher months 7.00%
*APR equals Annual Percentage Rate
Credit Risk Score determines rate: A+ = 730 and above, A = 680-729, B = 650-679, C = 600 - 649. 
Call for more information on current loan rates - 931-250-5122

Mortgage (Home Loans)

More on Mortgage Loans
Call for GREAT Mortgage Rates! 
Mortgage rates can change daily. To check out our Great Mortgage Rates call the Crossville staff at 931-484-9433 and dial extension 1005, 105, or 124. Several loan options are available. Mortgage financing terms range from 5 years to 30 years. Our staff are ready to help you through the home loan process!

Fixed Rate Land Loans

Credit Rating A+(APR*) A (APR*) B (APR*) C (APR*) D (APR*)
120 months 7.00% 8.00% 8.75% 9.75% 10.75%
144 months 7.25% 8.25% 9.00% 10.00% 11.00%
180 months 7.25% 8.25% 9.25% 10.25% 11.25%
*APR equals Annual Percentage Rate
Credit Risk Score determines rate: A+ = 730 and above, A = 680-729, B = 650-679, C = 600 - 649, D = 550 - 599

90 Day Term Note

Credit Rating A+(APR*) A (APR*) B (APR*) C (APR*)
90 Days 8.50% 9.50% 10.50% 15.00%
*APR equals Annual Percentage Rate
Credit Risk Score determines rate: A+ = 730 and above, A = 680-729, B = 650-679, C = 600 - 649.
 

ATV/UTV


Credit Rating
2018-2021
0 - 60 months
2022
0 - 60 months
A+ (APR*) 7.00% 7.00%
A (APR*) 7.25% 7.25%
B (APR*) 13.90% 13.90%
C (APR*) 15.90% 15.90%
D (APR*) 18.00% 18.00%
*APR equals Annual Percentage Rate
Credit Risk Score determines rate: A+ = 730 and above, A = 680-729, B = 650-679, C = 600 - 649, D = <600

Auto's 2013 & Older - Personal Loan

Credit Rating A+ (APR*) A (APR*) B (APR*) C (APR*)
0 - 60 months 9.90% 10.90% 13.90% 15.90%
*APR equals Annual Percentage Rate
Credit Risk Score determines rate: A+ = 730 and above, A = 680-729, B = 650-679, C = 600 - 649.

Line Of Credit


Type APR*
MasterCard Credit Card 11.90%
Personal Line-of-Credit 9.90%
EZ Line-of-Credit 18.00%
Credit Builder Loan 12.00%
*APR equals Annual Percentage Rate

Variable Rate Home Equity Line Of Credit Mortgage

Call For Rates











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