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
Reduce the rate on your new Personal or Secured Consumer Loan by up to 0.50% with the following loyalty discounts:
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 | 6.90% 1 | Monthly Payment of $30.60 for $1,000 |
| < $1,500 24 months | 8.90% 1 | Monthly Payment of $45.41 for $1,000 |
| Secured Consumer Loans | ||
| 36 Months | 3.50% 1 | Monthly Payment of $29.08 for $1,000 |
| 48 Months | 3.75% 1 | Monthly Payment of $22.24 for $1,000 |
| 60 Months | 4.00% 1 | Monthly Payment of $18.19 for $1,000 |
| 72 Months | 4.25% 2 | Monthly Payment of $15.53 for $1,000 |
| Visa Platinum Credit Cards | 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 6 | |
| 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 6 | |
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:
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 based on credit score. It is a variable rate tied to prime rate and can be adjusted every quarter.
⁴ Rate is variable based on prime rate plus 8.50%. The rate can change on the first of every quarter.
⁵ Rate is based on credit score. It is a variable rate tied to prime rate. The rate can change on the first of every month.
⁶The rate is adjusted every two years and based on the 2 year constant maturity Treasury note with a margin of 3.25% for a 1st mortgage