Get paid to go shopping with free Kasasa Cash Back® checking.

Get 2.50% cash back on up to $300 in monthly debit card purchases every time you qualify.1

Benefits You'll Love

  • No category restrictions on purchases
  • No minimum deposit to open your account
  • No minimum balance to earn rewards
  • Free access to digital banking services

1Qualification Information:
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. Visit us online at www.communitycreditunion.com or contact one of our Financial Service Representatives for specific Monthly Qualification Cycle dates. "Banking Day" means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions or for processing. "Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. "Statement Cycle" means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder's account. Visit us online at www.communitycreditunion.com or contact one of our Financial Service Representatives for specific Statement Cycle dates.

Reward Information:
When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 2.50% APY cash back on up to a total of $300.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $7.50 cash back payments may be earned per Monthly Qualification Cycle.

You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.

When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded.

Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed.

Additional Information:
Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Monthly ACH payment, enrollment in online banking and enrollment in eStatements are a condition of these accounts. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of 1 Kasasa share and share draft account per social security number is allowed. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Visit us online at www.communitycreditunion.com or contact one of our Financial Service Representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA. Your Savings Insured To $250,000 Per Account.

Trademarks:
Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.

2Debit/Check Card can be used anywhere Visa is accepted.

3There is no fee for ATM transactions when used at an ATM within the SURF Alliance Network

Kasasa Cash CalculatorDisclaimer

Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.

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  • Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

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Share Certificate CalculatorDisclaimer

A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

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  • Total dividends earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

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Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

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ATVs, Motorcycles, Snowmobiles, Lawn Tractors

Term Rates As Low As Payment per $1,000per month of repayment
1 year 6.75% APR* $86.42
2 years 6.75 % APR* $44.66
3 years 6.75 % APR* $30.77
4 years 7.25% APR* $24.07
5 years 7.25% APR* $19.93
6 years** 7.50% APR* $17.30

Click to see Rate Discounts. Collateralized Loans require full coverage insurance. Rates are subject to change without notice. Available terms may be subject to minimum amount financed. Recreational Vehicle rates apply to 2013-current model years. **2024 Untitled Motorcycle units may go up to 72 months. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.

Career Advancement Loans

Term Rates As Low As Payment per $1,000per month of repayment
1 year 8.75% APR* $87.35
2 years 8.75% APR* $45.58
3 years 9.25% APR* $31.93
4 years 9.25% APR* $25.01
5 years 9.75% APR* $21.13
6 years 10.00% APR* $18.54
7 years 10.00% APR* $16.61
10 years 11.75% APR* $14.21

*APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval. Rates are subject to change without notice. Maximum loan amount is $20,000. Career Advancement Loans may be deferred up to 180 days from disbursement date. Interest will continue to accrue.

Certificate Secured Loans

Term Rates As Low As
6 Months 7.25% APR*
1 Year 7.00% APR*
2 Years 7.25% APR*
3 Years 7.00% APR*
4 Years 6.80% APR*
5 Years 6.80% APR*

Rates are subject to change without notice. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.

Certificates

Term Dividend Rate APY**
6 Months 4.25% 4.33%
12 Months 4.00% 4.07%
2 Years 3.75% 3.82%
3 Years 3.50% 3.56%
4 Years 3.30% 3.35%
5 Years 3.30% 3.35%

Minimum balance to open the account and earn the APY is $500 for Share Certificates, Traditional, SEP, Roth and Educational IRAs. 6 month term is not available for IRA Certificates. IRA Certificates are available as a Roth, Traditional, SEP or ESA. Rates are subject to change without notice. Fees could reduce the earnings on this account. Early withdrawal penalties may apply. **APY = Annual Percentage Yield.

Credit Builder Loans

Term Rates As Low As
12 Months 0% APR*
18 Months 0% APR*
24 Months 0% APR*

Loan amount not to exceed $2,000. Rates are subject to change without notice. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.

Health Savings Accounts

Average Daily Balance Dividend Rate APY**
$100 - $1,000 0.05% 0.05%
$1,000.01 - $5,000 0.05% 0.05%
$5,000.01 - $10,000 0.10% 0.10%
$10,000.01+ 0.15% 0.15%

There is no minimum balance to open the account. Minimum balance to earn the APY is $100 for Health Savings Accounts. Accounts are a variable dividend rate and variable APY. Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield.

Home Equity Loans

Type Rates as Low as
Home Equity (up to 80% LTV) 8.50% APR*
No Equity Home Equity (up to 95% LTV) 9.75% APR*

*APR = Annual Percentage Rate. The APR is the Credit Union's standard rate. The rate may vary depending on each individual's credit history and underwriting factors and subject to credit approval. Rates are subject to change without notice. This is a mortgage product and may be subject to additional fees such as appraisal and/or title. Homeowners insurance required. Flood insurance required when necessary. Rate is adjusted quarterly based on the prime rate as published in the Wall Street Journal.

Jumbo Certificates

Term Divided Rate APY**
6 Months 4.50% 4.59%
12 Months 4.25% 4.33%
2 Years 4.00% 4.07%
3 Years 3.75% 3.82%
4 Years 3.55% 3.61%
5 Years 3.55% 3.61%

Jumbo Certificates have a minimum balance of $100,000. 6 month term is not available for IRA Certificates. IRA Certificates are available as a Roth, Traditional, SEP or ESA.

** Rates are subject to change without notice. Membership eligibility required. A penalty may be imposed for early withdrawal. Contact a Relationship Specialist for more information on applicable fees and terms. Minimum balance required for a share account at Community Credit Union is $5. Rates are subject to change without notice. Membership eligibility is required. Some restrictions may apply. This Credit Union is federally insured by NCUA and is an Equal Housing Lender.

Kasasa Cash*

Average Daily Balance Dividend Rate APY**
0 - $10,000 3.928% 4.00%
$10,000+ 0.25% 0.59% to 4.00%
All balances if qualifications not met 0.05% 0.05%

*Kasasa Accounts do not have a minimum balance requirement to earn dividends. The dividend paid is dependent upon meeting account qualifications and account balances. Accounts are a variable dividend rate and variable APY. Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield.

Kasasa Saver*

Average Daily Balance Dividend Rate APY**
0 - $15,000 1.24% 1.25%
$15,000+ 0.25% 0.38% to 1.25%
All balances if qualifications not met 0.05% 0.05%

*Kasasa Accounts do not have a minimum balance requirement to earn dividends. The dividend paid is dependent upon meeting account qualifications and account balances. Accounts are a variable dividend rate and variable APY. Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield.

Lines of Credit

Type Rates As Low As
Unsecured 13.25% APR*
LeCheque Mate Overdraft Protection 6.75% Prime** + APR*

*APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors. Subject to credit approval. Rates are subject to change without notice. Maximum line of credit is $20,000.

**Rate is adjusted quarterly based on the prime rate as published in the Wall Street Journal.

Manufactured Housing

Type Rates As Low As
In a Park Rates change daily. Contact a Loan Officer for current rates.
Singlewide Rates change daily. Contact a Loan Officer for current rates.

Rates are subject to change without notice. Down-payment may be required to purchase real estate. Homeowners insurance required. Flood insurance required when necessary.

Money Markets

Average Daily Balance Dividend Rate APY**
$2,500 - $24,999.99 1.75% 1.76%
$25,000 - $74,999.99 2.00% 2.02%
$75,000 or more 2.25% 2.27%

Minimum balance to open the account and earn the APY is $2,500 for Money Markets. Accounts are a variable dividend rate and variable APY. Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield.

Mortgages

Type Rates As Low As
1st Mortgages Rates change daily. Contact a Loan Officer for current rates.
Land Rates change daily. Contact a Loan Officer for current rates.
Construction Rates change daily. Contact a Loan Officer for current rates.
Land and Manufactured Housing Rates change daily. Contact a Loan Officer for current rates.

Community Credit Union partners with CUSO Mortgage.Click here for rates and more information on CU Promise and CU Advantage.

Rates are subject to change without notice. Down-payment may be required to purchase real estate. The credit union may lend up to 95% of the appraised value or cash selling price, whichever is less. Hazard insurance required. PMI may be required. Homeowners insurance required. Flood insurance required where necessary. Excludes manufactured home and land. Property must be your primary residence, 1-4 family, owner occupied to qualified borrower only.

Motorcoaches, RV's, Boats and Travel Trailers

Term Rates As Low As Payment per $1,000per month of repayment
1 year 6.75% APR* $86.42
2 years 6.75% APR* $44.66
3 years 6.75% APR* $30.77
4 years 7.25% APR* $24.07
5 years 7.25% APR* $19.93
6 years 7.50% APR* $17.30
7 years 7.50% APR* $15.35
10 years 8.50% APR* $12.41
12 years 8.75% APR* $11.25
15 years 9.00% APR* $10.15

Click to see Rate Discounts. Rates are subject to change without notice. Available terms may be subject to minimum amount financed. Collateralized Loans require full coverage insurance. Recreational Vehicle rates apply to 2013-current model years. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.

New/Used Auto Loans

Term Rates As Low As Payment per $1,000per month of repayment
1 year 6.35% APR* $86.23
2 years 6.35% APR* $44.48
3 years 6.35% APR* $30.59
4 years 6.60% APR* $23.77
5 years 6.60% APR* $19.62
6 years1 6.85% APR* $16.98
7 years1 7.60% APR* $15.33

Click to see Rate Discounts. Loans require full coverage insurance. Rates are subject to change without notice. New/Used Auto rates apply to 2013-current model years. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval. 

Auto Term Guide

  • Not actual mileage, add 2.00% APR*
  • Salvage Vehicles, add 2.50% APR* (100% financing not available)
  • Auto loans may qualify for financing up to 150% of retail value to include sales tax and documentation fees and back end including GAP and Service Contracts.

One Payment Notes

Type Term Rates As Low As
Secured 12 Months 11.50% APR*
Unsecured 12 Months 14.50% APR*

*APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval. Rates are subject to change without notice.

Rate Discounts

Discount
APR* Discount
Auto PayAuto Pay is when you authorize the Credit Union to set up a recurring payment transfer for your loan on a regular basis (weekly, bi-weekly, monthly). This can be set up to transfer from an account at Community Credit Union or an ACH payment using your checking and routing number from another financial institution.
0.10%
Debt ProtectionDebt Protection is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. We offer a Debt Protection Plan through TruStage Insurance Agency which provides a voluntary payment protection product that can provide financial assistance to cover your loan balance or monthly payment(s). Protected events include: loss of life, disability or involuntary unemployment. Simple eligibility requirements help ease the enrollment process.
0.10%
GAP**Guaranteed Auto Protection (GAP) is valuable coverage offered to car buyers as part of the auto loan process. GAP pays the difference between the actual cash value (ACV) of an insurance company settlement and the eligible balance of your auto loan in the event your vehicle is stolen or damaged beyond repair.
0.25%
CU Certified Vehicle Service Contract**Best in class automobile mechanical breakdown coverage for you. CU Certified pays for the replacement of covered part(s) and the labor to install the failed covered part(s). The CU Certified program pays for diagnostics, taxes, fluids, and filters in conjunction with covered repairs. National acceptance, trip interruption, wrap coverage, and 24-hour roadside assistance are some of the ancillary benefits of coverage.
0.25%

Rate discount is applied if the associated product is purchased or set up at the time of initial loan closing. Discounts are subject to change without notice. **Eligible on qualifying vehicles, not all vehicles eligible

Share Secured Loans

Term Rates As Low As
1 Year 3.03% APR*
2 Years 3.03% APR*
3 Years 3.53% APR*
4 Years 3.53% APR*
5 Years 3.53% APR*

Rates are subject to change without notice. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.

Shares/Club

Type Dividend Rate APY**
Share1 0.03% 0.03%
Vacation Club2 0.03% 0.03%
Christmas Club 0.03% 0.03%
Flex Club 0.03% 0.03%
MatriMoney 0.03% 0.03%
IRA Club 0.05% 0.05%

Accounts are a variable dividend rate and variable APY.   Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield.

1Minimum balance to open the account and earn the APY is $5 for Shares. If the Share account is closed within the first 6 months, it is subject to a closing account fee.  2Subject to early withdrawal penalty if funds are withdrawn before the maturity date. 

Signature (Unsecured) Loans

Term Rates As Low As Payment per $1,000per month of repayment
1 year 12.25% APR* $88.99
2 years 12.25% APR* $47.21
3 years 12.75% APR* $33.59
4 years 13.75% APR* $27.21
5 years 14.75% APR* $23.67

*APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval. Rates are subject to change without notice. Maximum loan amount is $20,000.

Test

<table style="height: 119px;">
<tbody>
<tr style="height: 17px;">
<th style="height: 17px; width: 70.0469px;" scope="col">Term</th>
<th style="height: 17px; width: 100.031px;" scope="col">Dividend Rate</th>
<th style="height: 17px; width: 42.5469px;" scope="col">APY**</th>
</tr>
<tr style="height: 17px;">
<td style="height: 17px; width: 70.0469px;">6 Months</td>
<td style="height: 17px; width: 100.031px;">4.25%</td>
<td style="height: 17px; width: 42.5469px;">4.33%</td>
</tr>
<tr style="height: 17px;">
<td style="height: 17px; width: 70.0469px;">12 Months</td>
<td style="height: 17px; width: 100.031px;">4.00%</td>
<td style="height: 17px; width: 42.5469px;">4.07%</td>
</tr>
<tr style="height: 17px;">
<td style="height: 17px; width: 70.0469px;">2 Years</td>
<td style="height: 17px; width: 100.031px;">3.75%</td>
<td style="height: 17px; width: 42.5469px;">3.82%</td>
</tr>
<tr style="height: 17px;">
<td style="height: 17px; width: 70.0469px;">3 Years</td>
<td style="height: 17px; width: 100.031px;">3.50%</td>
<td style="height: 17px; width: 42.5469px;">3.56%</td>
</tr>
<tr style="height: 17px;">
<td style="height: 17px; width: 70.0469px;">4 Years</td>
<td style="height: 17px; width: 100.031px;">3.30%</td>
<td style="height: 17px; width: 42.5469px;">3.35%</td>
</tr>
<tr style="height: 17px;">
<td style="height: 17px; width: 70.0469px;">5 Years</td>
<td style="height: 17px; width: 100.031px;">3.30%</td>
<td style="height: 17px; width: 42.5469px;">3.35%</td>
</tr>
</tbody>
</table>

Visa Business Credit Cards

Interest Rates and Interest Charges Rates As Low As
Purchases 15.90% APR*
Balance Transfers 15.90% APR*
Cash Advances 15.90% APR*
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore.

Visa Classic/Secured Credit Cards

Interest Rates and Interest Charges Rates As Low As
Purchases 13.90% APR*
Balance Transfers 13.90% APR*
Cash Advances 13.90% APR*
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore.

Youth Accounts

Type Dividend Rate APY**
Monty Moose 0.03% 0.03%
Life Saver 0.03% 0.03%
Teens Love Cash 0.03% 0.03%

Accounts are a variable dividend rate and variable APY.   Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield.

Minimum balance to open the account and earn the APY is $5 for Monty Moose, Life Saver and Teens Love Cash accounts.