County-City Credit Union offers loan rates based on credit scores to help as many members obtain credit as possible. Members with excellent credit receive our best rates, but we are also able to help individuals with less-than-perfect credit secure financing by charging slightly higher interest rates to offset the additional risk.
Our goal is to help you obtain the credit you need and, if applicable, to help you improve your credit worthiness. As a not-for-profit financial cooperative we are here to help you.
LOYALTY DISCOUNTS
Members can receive the following loyalty discounts on Personal and Secured Loans:
Subtract 0.25% with an active CCCU Checking Account in good standing.
Subtract 0.25% for setting up automatic loan payments with CCCU.
CCCU RATES FOR NEW LOANS
| Loan Type | APR* as low as: | Payment Information |
|---|---|---|
| Personal Loans | ||
| > $1,500 36 months | 7.25% 1 | Monthly Payment of $30.99 for $1,000 |
| < $1,500 24 months | 9.25% 1 | Monthly Payment of $45.80 for $1,000 |
| Secured Consumer Loans | ||
| 36 Months | 3.75% 1 | Monthly Payment of $29.41 for $1,000 |
| 48 Months | 4.00% 1 | Monthly Payment of $22.58 for $1,000 |
| 60 Months | 4.25% 1 | Monthly Payment of $18.53 for $1,000 |
| 72 Months | 4.50% 2 | Monthly Payment of $15.87 for $1,000 |
| Visa Platinum Credit Cards (rate effective as of 01-22-2020) |
9.74% 3 | Minimum Monthly Payment of $30 |
| Kwik Cash Loans | 13.25% 4 | Greater of $15 or $4 per $100 of Balance |
| Home Equity Loans | Click to view Current Rates on our Mortgage Website | |
| Home Equity Lines of Credit | 4.75% 5 | Greater of $25 or $1.25 for each $100 borrowed |
| Mortgages | Click to view Current Rates on our Mortgage Website | |
All rates apply to ‘new’ money only. Watch for ‘loan specials’ on our home page. Rates are subject to change at any time. Rate loyalty discounts do not apply to special promotions, credit cards, kwik cash loans, Home Equity, or Mortgage loans. County-City Credit Union reports all loan activity monthly to consumer reporting agencies.
Footnote Disclosures:
* APR stands for Annual Percentage Rate
¹ Rate is based on your credit score and term.
² Rate is based on credit score and term. 72 month term available for 2009 or newer vehicles.
³ Rate is variable based on prime rate, plus a margin based on credit score, and can change every quarter. (Learn More...)
⁴ Rate is variable based on prime rate plus a margin of 8.50%. The rate can change on the first day of every month, based on the prime rate as published in the Wall Street Journal’s Money Rate Section on the last day of each month .
⁵ Rate is variable tied to prime rate. The rate can change on the first day of every month, based on the prime rate as published in the Wall Street Journal’s Money Rate Section on the last day of each month..