Loan Rates

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:

    Check Mark Image   Subtract 0.25% with an active CCCU Checking Account in good standing.

    Check Mark Image   Subtract 0.25% for setting up automatic loan payments with CCCU.

 

CCCU RATES FOR NEW LOANS
Loan Type Annual
Percentage
Rate
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      8.99% ³ Minimum Monthly Payment of $30
Kwik Cash Loans    12.75% Greater of $15 or $4 per $100 of Balance
Home Equity Loans      
 Up to a  15 year Amortization as
an  Adjustable rate mortgage
     4.25%  Monthly Payment of $7.52 for $1,000
Click to view Current Rates on our Mortgage Website
Home Equity Lines of Credit      4.25% 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:

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.
Rate is variable based on prime rate plus 8.50%. The rate can change on the first of every quarter.
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.
The 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