Whether you're buying a new car or remodeling the kitchen, a loan from CINCO is a great way to get things done fast. And our low rates keep your payments low, too!

Auto Loan Rates (Effective Dec 01, 2016)

AutoTermRate
Automobile 2011 - 20170 - 63 monthsPromotional Rate as low as 1.99%
Automobile 2011 - 201764 to 75 MonthsPromotional Rate as low as 1.99%
Older Models Prior to 2011**0 to 48 MonthsPromotional Rate as low as 3.49%

Max Loan/NADA Retail Value (LTV) on All Autos as high as 110%

*APR = Annual Percentage Rate.

**Terms
Model Year Term Increase to Base Rate Requirements
2009 2011 & Older All Add .25% for Negative Equity 101 - 106% LTV
2009 2011 & Older All Add .75% for Negative Equity 107 - 120% LTV

RV / Boat / Motorcycle Loan Rates (Effective Dec 01, 2016)

RV / Boat / Motorcycle LoanTermRate
RV/Boat/Cycle 2011 - 20170 to 72 Monthsas low as 4.24%
RV/Boat/Cycle 2011 - 2017, Amounts > $25,0000 to 84 Monthsas low as 5.24%
RV/Boat/Cycle Prior to 2011**up to 42 Monthsas low as 6.24%

*APR = Annual Percentage Rate

**Terms
Model Year Term Increase to Base Rate Requirements
2009 2011 & Older All Add .25% for Negative Equity 101 - 106% LTV
2009 2011 & Older All Add .75% for Negative Equity 107 - 120% LTV

Other Loan Rates (Effective Nov 30, 2016)

OtherTermRate
Student Loan Grades K-12****up to 12 Monthsas low as 3.50%
Share Securedup to 60 Monthsas low as 3.50%
CD Securedup to CD Term2% over CD with minimum 3.50%
Unsecuredup to 60 Monthsas low as 5.99%
Overdraft Line of Creditopen endedas low as 7.99%

****Student loans for private or parochial schools, grades K-12, maximum 12 months, pay loan proceeds direct to school.

Home Loans Rates (Effective Dec 01, 2016)

Loan TypeTermRate
First Mortgageup to 360 MonthsClick for Rates and to Apply
Second Mortgage - Fixed Rateup to 72 Monthsas low as 3.00%
73-120 Monthsas low as 3.25%
121-144 Monthsas low as 3.50%
145-180 Monthsas low as 3.75%
Home Equity Line of Creditopen end 0 - 120 Monthsas low as 3.50%

*APR = Annual Percentage Rate

Equal Housing Lender. We do Business in Accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Variable Rate Term. The index is the Wall Street Journal Prime Rate published on the first day of every month. Rates may adjust monthly. Maximum rate may not exceed 18%.

Rates and Terms are subject to change without notice

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