Ask us about our Rate Discounts.

Loan Rates

Effective 9/17/19

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Auto & Recreational


Rates As Low As

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New/Used Auto

Term Rate Payment per $1,000
per month of repayment
1 year APR* $84.93
2 years APR* $43.21
3 years APR* $29.31
4 years APR* $22.47
5 years APR* $18.31
6 years1 APR* $15.65
7 years1 APR* $13.91
Click to see Rate Discounts. Rates are subject to change without notice. Collateralized Loans require full coverage insurance. Rates are subject to change without notice. New/Used Auto rates apply to 2007-current model years. *APR = Annual Percentage Rate. 1Loan Amount must be $25,000 or greater.

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 120% of retail value to include sales tax and documentation fees and back end including GAP and Service Contracts.

ATVs, Motorcycles, Snowmobiles, Lawn Tractors

Term Rate Payment per $1,000
per month of repayment
1 year APR* $85.04
2 years APR* $43.32
3 years APR* $29.42
4 years APR* $22.63
5 years APR* $18.47
6 years** APR* $15.81
Click to see Rate Discounts. Rates are subject to change without notice. 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 2010-current model years. **2019 Untitled Motorcycle units may go up to 72 months. *APR = Annual Percentage Rate

Motorcoaches, RV's, Boats and Travel Trailers

Term Rate Payment per $1,000
per month of repayment
1 year APR* $85.04
2 years APR* $43.32
3 years APR* $29.42
4 years APR* $22.63
5 years APR* $18.47
6 years APR* $15.81
7 years APR* $14.02
10 years APR* $10.74
12 years APR* $9.51
15 years APR* $8.31
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 2010-current model years. *APR = Annual Percentage Rate
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Real Estate


Rates As Low As

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Manufactured Housing

Type Rate (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.

Mortgages

Type Rate (as low as)
1st Mortgages Rates change daily. Contact a Loan Officer for current rates.
Community Credit Union partners with CUSO Mortgage.
Click here for Secondary Market Mortgage Rates for CU Promise and CU Advantage.


Type Rate (as low as)
Land and Manufactured Housing 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. The credit union may lend up to 80% of the appraised value or cash selling price, whichever is less. Hazard insurance required. Homeowners insurance required. Flood insurance required where necessary. Excludes manufactured home and land primary residence, 1-4 family, owner occupied to qualified borrower only.

Home Equity Loans

Prime + 0% APR*
Rate will be adjusted quarterly.

*APR = Annual Percentage Rate. Rates are subject to change without notice. Down-payment may be required to purchase real estate. Hazard insurance required. Homeowners insurance required. Flood insurance required where necessary. Excludes manufactured home and land primary residence, 1-4 family, owner occupied to qualified borrower only.

Home Improvement Loans

Term Rate Payments per $1,000 per month of repayment
5 Years APR* $19.81
7 Years APR* $15.47
10 Years APR* $12.14
15 Years APR* $9.71

*APR = Annual Percentage Rate. 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.
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Share & Certificate


Rates As Low As

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Share Secured Loans

Term Rate
1 Year APR*
2 Years APR*
3 Years APR*
4 Years APR*
5 Years APR*

Rates are subject to change without notice. *APR = Annual Percentage Rate

Certificate Secured

Term Rate
6 Months APR*
1 Year APR*
2 Years APR*
3 Years APR*
4 Years APR*
5 Years APR*

Rates are subject to change without notice. *APR = Annual Percentage Rate
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Unsecured


Rates As Low As

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Visa Classic/Secured Credit Card

Interest Rates and Interest Charges Rate
Purchases 13.90%
Balance Transfers 13.90%
Cash Advances 13.90%
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 http://www.consumerfinance.gov/learnmore.

Visa Business Credit Card

Interest Rates and Interest Charges Rate
Purchases 15.90%
Balance Transfers 15.90%
Cash Advances 15.90%
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 http://www.consumerfinance.gov/learnmore.

Signature (Unsecured) Loans

Term Rate Payment per $1,000
per month of repayment
1 year APR* $87.97
2 years APR* $46.30
3 years APR* $32.53
4 years APR* $26.12
5 years APR* $22.52

*APR = Annual Percentage Rate. Rates are subject to change without notice. Maximum loan amount is $10,000.

Unsecured Student Loans

Term Rate Payment per $1,000
per month of repayment
1 year APR* $86.08
2 years APR* $44.44
3 years APR* $30.66
4 years APR* $23.84
5 years APR* $19.81
6 years 7.25% APR* $17.18
7 years 8.00% APR* $15.60
10 years 9.00% APR* $12.68

*APR = Annual Percentage Rate. Rates are subject to change without notice. Maximum loan amount is $10,000. Student Loans may be deferred up to 180 days from disbursement date. Interest will continue to accrue.

One Payment Notes

Type Term Rate
Secured 12 Months APR*
Unsecured 12 Months APR*

*APR = Annual Percentage Rate. Rates are subject to change without notice.

Le Cheque Mate Overdraft Protection Line of Credit

Prime + APR* 6.75%
Rate is adjusted quarterly based on the prime rate as published in the Wall Street Journal.

*APR = Annual Percentage Rate. Rates are subject to change without notice.

Rate Discounts

Discount
APR* Discount
Auto Pay with Checking Account
Auto Pay is a means of payment by which a payment transfer is established with the credit union which will make a recurring scheduled payment from your Community Credit Union account to your loan.
0.10%
Debt Protection
Debt 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 CUNA Mutual Insurance Group 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


Savings Rates

Effective 9/17/19

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Shares / Club


Annual Percentage Yields of

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Type Dividend Rate APY**
Share1 0.10% APY**
Vacation Club2 0.10% APY**
Christmas Club2 0.10% APY**
Flex Club2 0.10% APY**
MatriMoney2 0.15% APY**
IRA Club1 0.25% APY**
1Minimum balance to open the account and earn the APY is $25 for Shares and IRA Clubs. 2Minimum balance to open the account and earn the APY is $5 for Clubs & Matrimoney (excluding IRA Clubs). Accounts are 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
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Money Markets


Annual Percentage Yields of

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Average Daily Balance Dividend Rate APY**
$2,500 - $24,999.99 1.00% APY**
$25,000 - $74,999.99 1.10% APY**
$75,000 or more 1.20% APY**
Minimum balance to open the account and earn the APY is $2,500 for Money Markets. Accounts are 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
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Health Savings


Annual Percentage Yields of

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Average Daily Balance Dividend Rate APY**
$100 - $1,000 0.10% APY**
$1,000.01 - $5,000 0.10% APY**
$5,000.01 - $10,000 0.15% APY**
$10,000.01 or more 0.20% APY**
There is no minimum balance to open the account. Minimum balance to earn the APY is $100 for Health Savings Accounts. Accounts are 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
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Certificates


Annual Percentage Yields of

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Term Dividend Rate APY**
6 Months 1.50% APY**
12 Months 1.85% APY**
2 Years 2.00% APY**
3 Years 2.15% APY**
4 Years 2.25% APY**
5 Years 2.50% APY**
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. **APY = Annual Percentage Yield