Loan Rates
Effective as of January 1, 2025, and are subject to change
Auto Loan Rates
| Vehicle Year | APR* | Term | Payments |
|---|---|---|---|
| 2022 and Newer** | 3.99% | 60 Months | 60 monthly payments of $18.45 per $1,000.00 borrowed |
| 4.24% | 72 Months | 72 monthly payments of $15.79 per $1,000.00 borrowed | |
| 2020 - 2021 | 4.49% | 60 Months | 60 monthly payments of $18.68 per $1,000.00 borrowed |
| 2016 - 2019 | 4.99% | 48 Months | 48 monthly payments of $23.07 per $1,000.00 borrowed |
| 2015 and Older | 7.49% | 36 Months | 36 monthly payments of $31.20 per $1,000.00 borrowed |
| *ALL RATES SUBJECT TO CREDIT APPROVAL *The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information ** Existing CCNCU loans are excluded from this rate | |||
Recreational Vehicle Rates
| Recreational Vehicle Year | APR* | Term | Payments |
|---|---|---|---|
| 2022 and Newer | 4.99% | 60 Months | 60 monthly payments of $18.91 per $1,000.00 borrowed |
| 5.24% | 72 Months | 72 monthly payments of $16.26 per $1,000.00 borrowed | |
| 2020 - 2021 | 5.49% | 60 Months | 60 monthly payments of $19.15 per $1,000.00 borrowed |
| 2016 - 2019 | 5.99% | 48 Months | 48 monthly payments of $23.54 per $1,000.00 borrowed |
| 2015 and Older | 8.49% | 36 Months | 36 monthly payments of $31.68 per $1,000.00 borrowed |
| *ALL RATES SUBJECT TO CREDIT APPROVAL *The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information. | |||
Visa Credit Cards
| Card | APR* | Credit Limit |
|---|---|---|
| VISA Classic | 14.90% | up to $2,000 |
| VISA Preferred | 11.90% | up to $5,000 |
| VISA Premium | 9.90% | up to $10,000 |
| *Certain conditions, restrictions, and exclusions may apply. Terms are available or Contact Us for more information. | ||
Personal Loans
| Term | APR* | Payments |
|---|---|---|
| 24 Month | 8.50% | 24 monthly payments of $45.37 per $1,000.00 borrowed |
| 36 Month | 9.00% | 36 monthly payments of $31.91 per $1,000.00 borrowed |
| 48 Month | 9.50% | 48 monthly payments of $25.22 per $1,000.00 borrowed |
| *Loans are available to members for almost any worthwhile purpose, including vacations, bill consolidation, appliances, home improvements, and more. The credit union has loan terms and rates to suit your financial needs. | ||
Single Pay Notes
Single Pay Notes require NO payment until maturity, and are available on a secured or unsecured basis. Single Pay Notes can also be used for almost any worthwhile purpose.
| APR* | Renewal |
|---|---|
| 6.00% | One time renewal up to six months |
| *ALL RATES SUBJECT TO CREDIT APPROVAL *The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information. | |
Closed End Home Equity Loan
| Term | APY* | Payments |
|---|---|---|
| 60 months | 6.25% | 60 monthly payments of $19.50 per $1,000.00 borrowed |
| 84 months | 6.50% | 84 monthly payments of $14.89 per $1,000.00 borrowed |
| 120 months | 6.75% | 120 monthly payments of $11.52 per $1,000.00 borrowed |
| The payments do not include amounts for taxes and insurance premiums. Contact the Lending Department for more information Minimum Loan amount of $10,000.00 | ||
Home Equity Line of Credit
| Balance | Pay of Period |
|---|---|
| Up to $10,000 | 60 Monthly Payments |
| $10,000.01 - $25,000 | 120 Monthly Payments |
| $25,000.01 and above | 180 Monthly Payments |
| |
Share Secured Loans
| Loan |
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All rates subject to credit approval. All rates stated as APR. |
As a qualified borrower at the credit union, you can purchase low-cost Credit Life and Disability insurance for all qualifying loans.