Payments per $1,000
per month of repayment

(.10% DISCOUNT AVAILABLE FOR MEMBERS WITH AUTO PAY & A CCU CHECKING ACCT)

-Up to a 18 month term extension add .50% APR*
-Over 18 Month extension add 1.00%
-Vehicles older than 8 years old add 1.50% APR*
-Over 100,000 miles add 1% APR*
-Not Actual Mileage add 1.00%
-Salvages Vehicles Add 1.50%
-All secured loans are financed for up to 100% of retail value including sales tax and documentation fees
-Secured rates apply to Manufactured Housing on leased land or in a park.

Payments per $1,000
per month of repayment

Payments per $1,000
per month of repayment

Payments per $1,000
per month of repayment

Payments per $1,000
per month of repayment

Payments per $1,000
per month of repayment

Payments per $1000
per month of repayment

Payments per $1,000
per month of repayment

Refinancing from other institutions is available. Hazard Insurance required. Flood Insurance required where necessary. Excludes Mobile Home and Land Primary Residence, 1-4 family, owner occupied to qualified borrower only.

Our Home Equity Line of Credit is a variable rate loan of Prime plus 0% APR* for the life of the loan with a ceiling of 15% APR*. The Annual Percentage Rate is based on Wall Street Prime rate effective 45 days prior to each quarter change date. It allows you to unlock the cash in your home and you may qualify to borrow up to 90% of the Appraisal Value of your home minus 1st. Mortgage. Call a Loan Officer for details.

Use your Home Equity Loan to:

-Consolidate debts
-Remodel a room
-Pay for Educational Expenses
-Take a Vacation
-Add a new deck or pool

Your monthly minimum payment will equal 1.5% of the outstanding balance as of the date of your last advance or $50, whichever is greater. The annual percentage rate may increase or decrease on January 1, April 1, July 1 and October 1 of each year. The interest rate will be based on the Prime Rate as published in the Wall Street Journal plus 0 percentage points. If more than one prime rate is published, the lowest rate will be used. The Annual Percentage Rate will not increase above 15% APR.

There is no application fee when applying for our Home Equity line. Property insurance is required. Flood insurance is required when applicable. Closing costs may range from $82.00 - $350 which includes the appraisal fee, attorney fees, recording fees, flood certification, and check fees. You should consult your tax advisor regarding the deductibilty of interest and fees.

A Maximum of $10,000 credit line - Revolving 13.9 % APR with no Annual Fee.

Every month you must pay at least the minimum payment within 25 days of your statement closing date. The Minimum Payment will be any portion of the Minimum payments shown on prior statements which remain unpaid, plus either (a) 2% of your total new balance or $10, whichever is greater, or (b) your total new balance if it is less than $10. In addition, at any time your total new balance exceeds your credit limit, you must pay the excess upon our demand. You have 25 days to repay your balance for new purchases before a finance charge on new purchases will be imposed. Your VISA account will be charged a $25 late fee if payment is not received within 15 days of due date. If you elect not to pay the entire new balance within a 25 day period, a finance charge will be imposed on the unpaid average daily balance of those purchases from the statement closing date. The finance charge (interest) is calculated at the periodic rate of 1.158% per month, which is an Annual Percentage Rate of 13.9%.

Payments per $1,000
per month of repayment

Payments per $1,000
per month of repayment

Payments per $1,000
per month of repayment

1.00% APR* (or 100 basis points) added to Non-Owner Occupied Real Estate loans.

Community Credit Union believes in investing in your future by starting with our students and parents who help to secure that future. That is why we strongly support the Maine Advantage Education Loan program (http://www.maineadvantage.com). This program includes both Stafford / Student and PLUS / Parent Education Loan programs. Community Credit Union also offers consolidation loans to parents and graduates that allows you to refinance two or more education loans into one monthly payment. Rates will be adjusted annually on July 1st. For a student/education loan repayment schedule, contact our student loan administrator directly at 1-800-782-5772.

Prime + 6.75% APR* as of 10/1/06. Currently at 15.00%****

The Rate will be adjusted Quarterly.

The Annual Percentage Rate may increase or decrease on January 1, April 1, July 1 and October 1 of each year (Change Dates) My interest rate will be based on the prime rate as published in the Wall Street Journal (the index) plus six and three quarters percentage points (6.75%)(the margin). If more than one prime rate is published, the lowest rate will be used. Changes in my interest rate will be calculated by taking the index figure available 45 days before each change date and adding it to the margin stated above. This figure rounded to the nearest .25% will be my new interest rate effective on the upcoming Change Date. The Annual Percentage Rate will not increase above 18%.
Payments are calculated to be at least 3% of the outstanding balance determined at the most recent advance or a minimum payment of $50, whichever is greater.

Community Credit Union
144 Pine Street
Lewiston, ME 04240

Branch Office
40 Stanley Street
Auburn, ME 04210

Office Hours
DRIVE-UP Monday - Saturday .........................7:30 AM to Closing
LOBBY Mon - Friday .....................................9:00 AM to 5:00 PM
(Auburn location open to 6:00 PM Fridays)
Saturday ...........................................................9:00 AM to Noon