Rates

Secured Loans

(Up to $35,000.00)


New Car (2018):

6.5%-13%*     60 Months


Used Car:

2017-2018      6.5%-13%*     60 Months

2014-2016      6.5%-13%*     48 Months

2011-2013      6.5%-13%*     36 Months


Vehicles over 7 years of age will fall under the guidelines of an unsecured loan.

Share Secured Loans

4.25%*

Unsecured Loans

(Up to $4,000.00**)


Personal Loans     12-18%

PAL (Payday Alternative Loans):   21%


Terms: Share Secured and Unsecured Loans

       $200.00 - $999.99        12 Months

   $1,000.00 - $1,999.99        18 Months

   $2,000.00 - $2,499.99       24 Months

   $2,500.00 - $4,000.00       36 Months

Current Declared Dividend Rate*:

$10.00 - $1,000.00      .25%

$1,001 - $10,000.00    .50%

$10,001  & Over       1.00%

 

*Rates are subject to change without notice.

**Amount may vary as low as $200 for first time borrowers until member establishes a history.

Fees

  • $5.00 for each CCU check made payable to anyone other than CCU Member making the request. (Including 2 party checks)
  • $5.00 for each withdrawal (cash* or check*) from savings account over your one free cash or check withdrawal per month.
  • $5.00 for each ACH debit to anyone other than CCU.
  • Effective November 1, 2004, a $26.00 fee will be charged for each returned check or ACH. After 2 returned checks, only cash, money orders, or cashiers checks will be accepted for payment. After 3 ACH returns due to NSF, your account will be closed.


*1 free cash withdrawal and 1 free check withdrawal per month.