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 those with less-than-perfect credit 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.
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 APPLY NOW! |
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| 60 Months (max term) | 9.75% 1 | Monthly Payment of $20.76 for $1,000 |
| Cars, Trucks, and Motorcycles APPLY NOW! |
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| 36 Months | 5.50% 1 | Monthly Payment of $29.52 for $1,000 |
| 48 Months | 5.75% 1 | Monthly Payment of $22.69 for $1,000 |
| 60 Months | 6.00% 1 | Monthly Payment of $18.64 for $1,000 |
| 72 Months | 6.25% 2 | Monthly Payment of $15.99 for $1,000 |
| Powersports (ATV, UTV, Boat, Snowmobile, Jet Ski) APPLY NOW! |
||
| 36 Months | 5.50% 1 | Monthly Payment of $29.52 for $1,000 |
| 48 Months | 5.75% 1 | Monthly Payment of $22.69 for $1,000 |
| 60 Months | 6.00% 1 | Monthly Payment of $18.64 for $1,000 |
| 72 Months | 6.25% 2 | Monthly Payment of $15.99 for $1,000 |
| Credit Builder / Deposit-Secured Loans APPLY NOW! |
varies 3 | |
| Visa Platinum Credit Cards APPLY NOW! (rate effective as of 10-01-2023) |
13.49% 4 | Minimum Monthly Payment of $30 |
| Kwik Cash Loans APPLY NOW! |
17.00% 5 | Greater of $15 or $4 per $100 of Balance |
| Home Equity Loans APPLY NOW! |
Click to view Current Rates on our Mortgage Website | |
| Home Equity Lines of Credit APPLY NOW! |
8.50% 6 | Greater of $25 or $1.25 for each $100 borrowed |
| Mortgages APPLY NOW! |
Click to view Current Rates on our Mortgage Website | |
All rates apply to ‘new’ money only. Rates are subject to change at any time. Rate loyalty discounts do not apply to special promotions, Fast $500 Loans, $500 Christmas Loans, Single Pay Loans, Deposit Secured Loans, Credit Cards, Kwik Cash Loans, Home Equity Loans/Lines of Credit, or Mortgage loans. County-City Credit Union reports all loan activity monthly to consumer reporting agencies. Watch for ‘loan specials’ on our home page.
Footnote Disclosures:
* APR stands for Annual Percentage Rate
¹ Rate is based on credit score and term.
² Rate is based on credit score and term. 72 month term available for vehicles 6 years old and newer .
³ Rate is determined by adding a 2.00% margin to the related deposit account rate.
⁴ Rate is variable based on prime rate, plus a margin based on credit score, and can change every quarter. (Learn More...)
⁵ 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 .
6 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..