Glacier Hills Credit Union home

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

Winter dreams don't hibernate. From cozy home projects to your next great escape, our suite of auto loans, home line of credit and adventure loans give you the power to turn seasonal inspiration into action.

Auto Loans & Refinancing —

Keys in hand. Payments on hold.

Your next car is closer—and more affordable—than you think. With no payments for 90 days¹ and low rates like 5.74% APR² for 72 months, there’s never been a better time to upgrade your ride.

  • 5.74% APR² for 72 months
  • No payment for 90 days¹
  • Friendly, local service
Apply now Learn more

Finding a low rate and term to match has never been easier.

Introduce an amazing rate of 5.74% APR for 72 months.

For a complete look at all of our auto loans and refinancing rates and terms, click here.

Apply online Contact us

User Guide to Auto Loans FAQ
Getting pre-approved for an auto loan before you start shopping for a car can offer several advantages:

  • Set Realistic Expectations: Pre-approval gives you a clear idea of how much you can afford to spend. This helps you set a realistic budget and avoid looking at cars that are out of your price range.
  • Confidence in Negotiations: With a pre-approval in hand, you can negotiate with confidence, knowing exactly how much you can spend. You can narrow down your options to vehicles that fit within your pre-approved loan amount, saving you time and effort.
  • Focus on Price, Not Financing: Dealers are less likely to pressure you into their financing options, allowing you to focus on getting the best price for the car.
  • Streamlined Buying Process: Pre-approval speeds up the buying process since you have already completed much of the financing paperwork.
  • Less Stress: Knowing your financing is secured reduces the stress of buying a car and allows you to focus on selecting the right vehicle.
  • Prevent Bait and Switch: Dealers sometimes advertise low rates to lure customers in, only to offer higher rates later. Pre-approval ensures you are not caught in such tactics.
  • Impact on Credit Score: Getting pre-approved usually involves a single hard inquiry on your credit report. If you apply for multiple loans within a short period, it is treated as a single inquiry, minimizing the impact on your credit score.
  • Clarity on Loan Terms: Pre-approval gives you a clear understanding of the loan terms, including interest rate, loan term and monthly payments.
There are a few ways refinancing your auto loan can save you money:

  • Lower Interest Rate: If interest rates have dropped since you took out your original loan or your credit score has improved, you might qualify for a lower interest rate. This can reduce the amount of interest you pay over the life of the loan.
  • Reduced Monthly Payments: By securing a lower interest rate or extending the loan term, your monthly payments could decrease, freeing up cash for other expenses.
  • Shorter Loan Term: Refinancing to a shorter loan term can increase your monthly payments but reduce the total amount of interest you pay over the life of the loan, leading to overall savings.
  • Lower Total Interest Paid: Even if your monthly payments stay the same, a lower interest rate can reduce the total amount of interest you pay over the life of the loan.
  • Improved Cash Flow: If you extend the term of your loan, you can lower your monthly payments, which can improve your cash flow. However, be aware that extending the term may increase the total interest paid over the life of the loan.
There are a few ways refinancing your auto loan can save you money:

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 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.
Home Equity Line of Credit —

Turn your equity into opportunity.

Use your home’s value to unlock your next big project with a Home Equity Line of Credit. With the great rates and the flexibility to withdraw funds when you need them, it’s never been easier to tackle what’s next.

  • Limited-time 4.99% APR³ locked in for 12 months
  • No prepayment penalties
  • Low closing cost
Apply now Learn more

Discover what makes our HELOC shine:

Want to renovate your dream home? learn more
Debt relief is in your grasp. learn more
Adventure Loans —

Find your next frontier.

On wheels or waves, we’ve got the right loans to get you to where you’re going. With low rates, flexible terms, and financing that fits your budget, our boat and RV Adventure Loan is designed for your next great escape.

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

Choose your ride, start your journey.

From cross-country-ready RVs to personal watercraft to dart around the lake in, Glacier Hills gives you access to the tools that Wisconsin terrain requires.

The Glacier Hills Field Guide

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

¹

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

²

APR = Annual Percentage Rate, rates quoted as low as. 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 2018-2025: 84 = 6.49% payment $14.84, 72 = 5.74% payment $16.45, 60 = 5.49% payment $19.10, 48 = 5.49% payment $23.25, 36 = 5.24% payment $30.08. Other rates and terms available. Member eligibility required. Existing auto loans with Glacier Hills do not qualify.

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 7.50%) 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 0.50% of balance as of the end of the billing cycle, plus accrued monthly finance changes, fees and amounts past due. 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

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 6.74%=$30.76; 48 months at 7.24%=$24.06; 60 months at 7.49%=$20.03; 72 months at 7.49%=$17.29; 84 months at 7.74%=$15.46; 96 months at 7.99%=$14.13; 120 months at 8.49%=$12.39; 180 months at 8.99%=$10.14. Member eligibility required.

⁵

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