When you Need a Little Help from a Friend...
When you need money for a new or used car, boat, ATV, motorcycle, snowmobile or RV, wouldn’t you rather get it from your friends down the street than a place way out in Nowheresville? As a not-for-profit cooperative, we’re able to offer loans at extremely competitive rates, with fast, local approvals in minutes online, by telephone or in person whether you’re an existing or new member. Getting a loan from CitizensFirst is like getting money from a friend – why go anywhere else?
New Car Loans
Interest Rates
Drive away from the dealership with a smile on your face and extra cash in your pocket when you lock in low rates from CitizensFirst for your new car 1 loan.
  • Three fast, easy ways to apply – just complete our “Money in Minutes” loan application online, by phone or in person.
  • Receive same day, local approval – within minutes!
  • Competitive rates – many times the lowest in the area.
  • Automatic withdrawals/payments available from your CitizensFirst checking account.
 Terms   APR 
 24 Months 2.99%
 36 Months 2.99%
 48 Months 2.99%
 60 Months 2.99%
 72 Months 4.24%
Rates current as of February 22, 2012.
 
Used Car Loans
Interest Rates
For used cars,2 you can still get a loan that feels good as new!
  • Three fast, easy ways to apply – just complete our “Money in Minutes” loan application online, by phone or in person.
  • Receive same day, local approval – within minutes!
  • Competitive rates – many times the lowest in the area.
  • Automatic withdrawals/payments available from your CitizensFirst checking account.
 Terms   APR 
 60 Months 3.74%
 48 Months 3.74%
 24 Months 3.74%
 36 Months 3.74%
 72 Months 3.99%
Rates current as of February 22, 2012.
 
New Recreational Vehicle Loans
Interest Rates
Don’t let your financing take the fun out of your new recreational vehicle purchase. Keep the wind in your sails with a low-cost recreational vehicle loan for your motorcycle, ATV, boat, snowmobile, jet-ski or RV.
  • Three fast, easy ways to apply – just complete our “Money in Minutes” loan application online, by phone or in person.
  • Receive same day, local approval – within minutes!
  • Competitive rates – many times the lowest in the area.
  • Automatic withdrawals/payments available from your CitizensFirst checking account.
 Terms   APR 
 24 Months 4.49%
 36 Months 4.49%
 48 Months 4.49%
 60 Months 4.49%
Rates current as of February 22, 2012.
 
Used Recreational Vehicle Loans
Interest Rates
For used motorcycles, ATVs, boats, snowmobiles, jet-skis and RV’s,2 you can still get a loan that feels good as new!
  • Three fast, easy ways to apply – just complete our “Money in Minutes” loan application online, by phone or in person.
  • Receive same day, local approval – within minutes!
  • Competitive rates – many times the lowest in the area.
  • Automatic withdrawals/payments available from your CitizensFirst checking account.
 Terms   APR 
 24 Months 4.74%
 36 Months 4.74%
 48 Months 4.74%
 60 Months 4.74%
Rates current as of February 22, 2012.
 
Student Loans
Other Information
Together we can do this! Now you can pay for college the smart way with great repayment options. The CitizensFirst Smart Option Student Loan® by Sallie Mae® helps bridge the gap between federal loans and the cost of your education expenses by providing students with:
  • Competitive interest rates
        - Rates that reward creditworthy borrowers
        - Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
  • The ability to borrow up to 100% of school certified education costs (minimum $1,000)
  • Multiple in-school repayment options available- no prepayment penalty!
  • Borrower benefits – like rewards and interest rate reductions
  • Fast-and-easy online application – apply in about 20 minutes or less!
  • 24/7 online account management
To learn more or to apply, please get started here.
 

 
Other Loans
Interest Rates
Need cash in a hurry? Whether it’s for an unexpected bill, covering an overdraft or even a weekend getaway, we can help! Ask about the following fast, easy loans:
  • Share Pledge Loans
  • Kwik Cash Loans
  • Unsecured Loans

1 For vehicle makes/models that are less than 4 years old.
2 4 years and older

APR valid for qualified credit and up to 60 months term. Available on 2007 or newer. $5000 new money.

View full disclosures.

Rates current as of February 22, 2012.
CitizensFirst Credit Union
P.O. Box 3046
Oshkosh, WI 54903-3046
Local: 920-236-7040
Toll-Free: 800-448-9228
info@citizensfirst.com
Routing #275981187