Glacier Hills Credit Union home

We’ve guided financial journeys since 1934. Let us help you own yours.

Helping our members own their journey since 1934.

Auto Loans & Refinancing —

That perfect drive is yours.

Regardless of who’s coming along for the ride (or school drop-off), your journey is uniquely yours. Glacier Hills gives you the tools to find it with amazing rates and no payments for 90 days².

  • Fixed rates as low as 5.99% APR¹
  • No payment for 90 days²
  • New purchases and refinances
Apply now Learn more
User Guide to Auto Loans FAQ
Unless you're living under a rock, we're sure you're aware that interest rates across the board have been steadily going up. So when it comes time to refinance your auto loan, the answer depends on your current situation.

  • First, get familiar with your current credit score. Has it increased since you took out your loan? If it has, you just may qualify for a lower rate now.
  • Look at your current loan. Are rates being offered right now higher or lower? If they’re about the same or a little lower, refinancing can make sense for you.
  • Do you struggle to make your monthly auto loan payments? If you do, then refinancing to a longer term can help you lower your monthly payments, although you will end up paying more interest over the life of the loan.
It’s important to look at all of these factors, and we are right here to help you work through the numbers and different scenarios—because refinancing can end up being a real game changer for your budget.
Determining your auto loan payment depends on a few key factors: the amount of money you want to borrow, the loan term (how long the payback period is) and your interest rate. Auto loan terms typically range from 24 all the way to 84 months. The shorter the term, the less interest you’ll pay, but you’ll also have a much higher monthly payment. When you choose a longer loan term, you’ll end up paying more in interest, but your monthly payment will be less—sometimes much less.

For a more precise answer, try out our auto loan calculator or call us at 262-338-7777 to work through the numbers with you.
The "as low as" rate (also referred to as the floor rate) is the absolute lowest loan rate that a lender offers. Typically, to get this as low as rate, your credit score needs to be in the "Excellent" range. And how much debt you have versus your annual income (also known as debt to income ratio) is also considered . Sometimes, the term of your loan comes into play, as well.

The factors that are used to determine your specific rate, and how they’re weighted, will vary from lender to lender. To learn more about these factors and how you can qualify for the best rate possible, give us a ring.
Home Equity Line of Credit —

Bring your dreams to life.

Each stage of life brings new visions of fun, adventure, home and family. Some of those ideas may seem out of reach but they don't have to be. Discover how a Home Equity Line of Credit through Glacier Hills gives you the funds needed to see those visions through.

  • 4.99 APR³ locked in for 12 months
  • Borrow up to 80% Loan-to-Value (LTV)³
Apply now Learn more

Discover what makes our HELOC shine:

Adventure Loans —

Good trouble and maybe just a little bit of luck.

Just add the open water to your next great lake adventure with a Boat (or RV) Loan from Glacier Hills. With no payments for 90 days², we make it easier than ever to get on the water (or the highway) with money left over.

Go. Your adventure is waiting.

  • Rates as low as 6.74% APR⁴
  • No payments for 90 days¹
  • Terms up to 180 months⁵
Apply today Learn more

Choose your ride, start your journey.

The Glacier Hills Field Guide

Community happenings, financial guidance and stories from Glacier Hills Credit Union.

¹

APR=Annual Percentage Rate. All rates are subject to change without notice and based on credit history. Minimum loan amount of $8,000 required for 60-month terms, $15,000 for 75-month terms, and $20,000 for 84-month terms. Payment examples are per $1,000 borrowed for model years 2021-2024: 84 months at 7.24%=$15.21; 72 months at 6.99%=$17.04; 60 months at 6.74%=$19.68; 48 months at 6.49%=$23.71; 36 months at 5.99%=$30.42. Other rates and terms available. Member eligibility required.

²

Approval is subject to credit criteria. Interest will begin accruing at the time of loan.

³

APR is Annual Percentage Rate, all rates subject to change. Up to 80% Loan-to-Value (LTV). Rate is variable. Additional rates and terms are available. Rate is locked for 12 months, then set at Prime (recently 8.50%) or as low as 4.00% APR whichever is higher. Rate subject to change after 12 months from closing date, and thereafter on the last day of each month based on the Wall Street Journal published Prime Rate on the 20th of each month. Maximum Rate 17% APR. Minimum payment is 1.5% of balance as of last advance rounded to the next $100. Minimum credit line is $5,000. Property insurance required; flood insurance may be required. If an appraisal is required, there will be an additional charge typically $385 - $425. Owner occupied, Wisconsin only. Excludes existing Glacier Hills HELOC refinances.

⁴

Term rate and APR requires a $25,000 minimum loan.

⁵

APR=Annual Percentage Rate. All rates subject to change without notice and based on credit. Boat, RV and Travel Trailers of $25,000 qualify for 96- to 180-month terms. Other rates and terms available. Payment examples are per $1,000 borrowed: 36 months at 6.99%=$30.87; 48 months at 7.49%=$24.17; 60 months at 7.74%=$20.15; 72 months at 7.74%=$17.41; 84 months at 7.99%=$15.58; 96 months at 8.24%=$14.26; 120 months at 8.74%=$12.53; 180 months at 9.24%=$10.29. Member eligibility required.