Loans
Apply for a Consumer Loan OnlineApply for a Mortgage OnlineLoan Specials
| Auto Loans | ||
| Rates are effective as of February 18, 2025. | ||
| Auto Loan Term | APR – 2023 to Newer* | APR – 2019 to 2022* |
| 0 – 60 months — With Auto Buying Service | 4.49% | 5.18% |
| 0 – 60 months — Without Auto Buying Service** | 4.99% | 5.68% |
| 61 – 72 months — With Auto Buying Service | 5.34% | 5.84% |
| 61 – 72 months — Without Auto Buying Service** | 5.84% | 6.34% |
| 73 – 84 months — With Auto Buying Servic | 6.44% | 6.89% |
| 73 – 84 months — Without Auto Buying Service** | 6.94% | 7.39% |
| *APR is Annual Percentage Rate. Rates accurate as of: 01/01/2025. Rates are subject to change, and can vary based on credit worthiness, CCU Member discounts, age of vehicle, and terms of the loan. Offer subject to credit approval. Rate applies to 2023 and newer vehicles with a loan term of up to 60 months (based on credit worthiness). Call for rates on older model vehicles. Loan amount will be determined by income and other factors. The rate listed includes an additional 0.50% APR discount for buying through our Car Buying Service. To receive this discount, an auto loan must be booked through CCU, and auto purchase must be made at a certified dealer through CCU’s Car Buying Service purchasing process. The rate listed also assumes an automatic payment method. For details please visit https://www.myconsumers.org/borrow/loans/rate-discounts. Individual rates may vary based on credit score and other factors. An example of payment terms are as follows: an amount financed of $20,000 with an APR of 4.49% and a term of 60 months would have a monthly payment of $373.00. View rates on model years 2018 and older **Rates listed include applicable discounts of 0.25% APR. |
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Loan Specials
Savings
Rates effective as of June 18, 2024 and are subject to change without notice.Share AccountsDividends for the 2nd quarter of 2024:*APY means Annual Percentage YieldFees could reduce the earnings on the account.
Share and IRA Certificates*APY means Annual Percentage Yield. The quoted APY is accurate as of June 18, 2024. $1,000.00 minimum balance required. Penalties apply for early withdrawal.
| VISA Cards | |||
| Annual Percentage Rate for Purchases | VISA Platinum | VISA Classic | VISA Secured |
| Annual Percentage Rate (APR) for Purchases | 8.90% | 9.90% | 17.90% |
| APR for Cash Advances | 8.90% | 9.90% | 17.90% |
| APR for Balance Transfers | 8.90% | 9.90% | 17.90% |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month. | ||
| For Credit Card Tips from the Federal Reserve Board | To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard |
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| FEES | |||
| Set-Up and Maintenance Fees – Annual Fee (VISA Secured ONLY) |
$25.00 Annually | ||
| Transaction Fees – Cash Advance Fee – Foreign Transaction Fee |
$2.00 or 3.00% of the amount of each cash advance, whichever is greater (Maximum Fee: $10.00) 1.00% of each multiple currency transaction in U.S. dollars 0.80% of each single currency transaction in U.S. dollars |
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| Penalty Fees – Late Payments – Returned Payment Fee |
Up to $35.00 Up to $35.00 |
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| How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases)”. | |||
| Effective Date The information about the costs of the card described in this disclosure is accurate as of January 1, 2021. This information may have changed after that date. To find out what may have changed, contact the Credit Union. |
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| OTHER DISCLOSURES | |||
| Late Payment Fee | Up to $35.00 or the amount of the required minimum payment, whichever is less, if you are seven (7) or more days late in making payment. | ||
| Return Payment Fee | Up to $35.00 or the amount of the required minimum payment, whichever is less. | ||
| Document Copy Fee | $10.00 | ||
| Rush Fee | $35.00 | ||
| Card Replacement Fee | $10.00 | ||
| Card Recovery Fee | $65.00 | ||
| Additional Card Fee more than 2 | $10.00 | ||