Check out our Rate Discounts

Loan Rates

Effective 5/14/2024

Auto & Recreational

Rates As Low As

New/Used Auto

Term Rates As Low As Payment per $1,000 per month of repayment
1 year 6.50% APR* $86.31
2 years 6.50% APR* $44.56
3 years 6.50% APR* $30.66
4 years 6.75% APR* $23.84
5 years 6.75% APR* $19.69
6 years1 7.00% APR* $17.06
7 years1 7.75% APR* $15.47
Click to see Rate Discounts. Loans require full coverage insurance. Rates are subject to change without notice. New/Used Auto rates apply to 2013-current model years. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval. 1Loan Amount must be $25,000 or greater. Auto Term Guide
  • Not actual mileage, add 2.00% APR*
  • Salvage Vehicles, add 2.50% APR* (100% financing not available)
  • Auto loans may qualify for financing up to 150% of retail value to include sales tax and documentation fees and back end including GAP and Service Contracts.

ATVs, Motorcycles, Snowmobiles, Lawn Tractors

Term Rates As Low As Payment per $1,000 per month of repayment
1 year 7.00% APR* $86.55
2 years 7.00% APR* $44.79
3 years 7.00% APR* $30.89
4 years 7.50% APR* $24.19
5 years 7.50% APR* $20.05
6 years** 7.75% APR* $17.42
Click to see Rate Discounts. Collateralized Loans require full coverage insurance. Rates are subject to change without notice. Available terms may be subject to minimum amount financed. Recreational Vehicle rates apply to 2013-current model years. **2024 Untitled Motorcycle units may go up to 72 months. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.

Motorcoaches, RV's, Boats and Travel Trailers

Term Rates As Low As Payment per $1,000 per month of repayment
1 year 7.00% APR* $86.55
2 years 7.00% APR* $44.79
3 years 7.00% APR* $30.89
4 years 7.50% APR* $24.19
5 years 7.50% APR* $20.05
6 years 7.75% APR* $17.42
7 years 7.75% APR* $15.47
10 years 8.75% APR* $12.54
12 years 9.00% APR* $11.39
15 years 9.25% APR* $10.30
Click to see Rate Discounts. Rates are subject to change without notice. Available terms may be subject to minimum amount financed. Collateralized Loans require full coverage insurance. Recreational Vehicle rates apply to 2013-current model years. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval. APPLY FOR A LOAN

Real Estate

Rates As Low As

Manufactured Housing

Type Rates As Low As
In a Park Rates change daily. Contact a Loan Officer for current rates.
Singlewide Rates change daily. Contact a Loan Officer for current rates.
Rates are subject to change without notice. Down-payment may be required to purchase real estate. Homeowners insurance required. Flood insurance required when necessary.

Mortgages

Type Rates As Low As
1st Mortgages Rates change daily. Contact a Loan Officer for current rates.
Community Credit Union partners with CUSO Mortgage. Click here for Secondary Market Mortgage Rates for CU Promise and CU Advantage.
Type Rates As Low As
Land and Manufactured Housing Rates change daily. Contact a Loan Officer for current rates.
Rates are subject to change without notice. ^Down-payment may be required to purchase real estate. The credit union may lend up to 80% of the appraised value or cash selling price, whichever is less. Hazard insurance required. Homeowners insurance required. Flood insurance required where necessary. Excludes manufactured home and land primary residence, 1-4 family, owner occupied to qualified borrower only.

Home Equity Loans

Click here for more information on Home Equity Rates.
Rates will be adjusted quarterly.
*APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval. Rates are subject to change without notice. This is a mortgage product and may be subject to additional fees such as appraisal and/or title. Homeowners insurance required. Flood insurance required when necessary.

Share & Certificate

Rates As Low As

Share Secured Loans

Term Rates As Low As
1 Year 3.03% APR*
2 Years 3.03% APR*
3 Years 3.53% APR*
4 Years 3.53% APR*
5 Years 3.53% APR*
Rates are subject to change without notice. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.

Certificate Secured Loans

Term Rates As Low As
6 Months 8.00% APR*
1 Year 8.15% APR*
2 Years 7.75% APR*
3 Years 7.60% APR*
4 Years 7.50% APR*
5 Years 7.50% APR*
Rates are subject to change without notice. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.

Credit Builder Loan

Term Rates As Low As
12 Months 0% APR*
18 Months 0% APR*
24 Months 0% APR*
Loan amount not to exceed $2,000. Rates are subject to change without notice. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.

Unsecured

Rates As Low As

Visa Classic/Secured Credit Card

Interest Rates and Interest Charges Rates As Low As
Purchases 13.90% APR*
Balance Transfers 13.90% APR*
Cash Advances 13.90% APR*
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Visa Business Credit Card

Interest Rates and Interest Charges Rates As Low As
Purchases 15.90% APR*
Balance Transfers 15.90% APR*
Cash Advances 15.90% APR*
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Signature (Unsecured) Loans

Term Rates As Low As Payment per $1,000 per month of repayment
1 year 12.25% APR* $88.99
2 years 12.25% APR* $47.21
3 years 12.75% APR* $33.59
4 years 13.75% APR* $27.21
5 years 14.75% APR* $23.67
*APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval. Rates are subject to change without notice. Maximum loan amount is $20,000.

Career Advancement Loans

Term Rates As Low As Payment per $1,000 per month of repayment
1 year 8.75% APR* $87.35
2 years 8.75% APR* $45.58
3 years 9.25% APR* $31.93
4 years 9.25% APR* $25.01
5 years 9.75% APR* $21.13
6 years 10.00% APR* $18.54
7 years 10.00% APR* $16.61
10 years 11.75% APR* $14.21
*APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval. Rates are subject to change without notice. Maximum loan amount is $20,000. Student Loans may be deferred up to 180 days from disbursement date. Interest will continue to accrue.

One Payment Notes

Type Term Rates As Low As
Secured 12 Months 11.50% APR*
Unsecured 12 Months 14.50% APR*
*APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval. Rates are subject to change without notice.

Unsecured Line of Credit

Rates as low as 13.25%
*APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors. Subject to credit approval. Rates are subject to change without notice. Maximum line of credit is $20,000.

Le Cheque Mate Overdraft Protection Line of Credit

Prime + APR* 6.75%
Rate is adjusted quarterly based on the prime rate as published in the Wall Street Journal.
*APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval. Rates are subject to change without notice.

Rate Discounts

Discount
APR* Discount
Auto Pay Auto Pay is when you authorize the Credit Union to set up a recurring payment transfer for your loan on a regular basis (weekly, bi-weekly, monthly). This can be set up to transfer from an account at Community Credit Union or an ACH payment using your checking and routing number from another financial institution.
0.10%
Debt Protection Debt Protection is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. We offer a Debt Protection Plan through TruStage Insurance Agency which provides a voluntary payment protection product that can provide financial assistance to cover your loan balance or monthly payment(s). Protected events include: loss of life, disability or involuntary unemployment. Simple eligibility requirements help ease the enrollment process.
0.10%
GAP** Guaranteed Auto Protection (GAP) is valuable coverage offered to car buyers as part of the auto loan process. GAP pays the difference between the actual cash value (ACV) of an insurance company settlement and the eligible balance of your auto loan in the event your vehicle is stolen or damaged beyond repair.
0.25%
CU Certified Vehicle Service Contract** Best in class automobile mechanical breakdown coverage for you. CU Certified pays for the replacement of covered part(s) and the labor to install the failed covered part(s). The CU Certified program pays for diagnostics, taxes, fluids, and filters in conjunction with covered repairs. National acceptance, trip interruption, wrap coverage, and 24-hour roadside assistance are some of the ancillary benefits of coverage.
0.25%

Rate discount is applied if the associated product is purchased or set up at the time of initial loan closing. Discounts are subject to change without notice. **Eligible on qualifying vehicles, not all vehicles eligible

Savings Rates

Effective 5/14/2024

Shares / Club

Annual Percentage Yields of

Type Dividend Rate APY**
Share1 0.03% 0.03% APY**
Vacation Club2 and 3 0.03% 0.03% APY**
Christmas Club2 and 3 0.03% 0.03% APY**
Flex Club2 0.03% 0.03% APY**
MatriMoney2 0.03% 0.03% APY**
IRA Club1 0.05% 0.05% APY**
1Minimum balance to open the account and earn the APY is $25 for Shares and IRA Clubs. 2Minimum balance to open the account and earn the APY is $5 for Clubs & Matrimoney (excluding IRA Clubs). Accounts are variable dividend rate and variable APY. 3Subject to early withdrawal fee if funds withdrawn before maturity date. If account closed within first 6 months subject to closing account fee. Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield

Checking

Annual Percentage Yields of

Money Market

Average Daily Balance Dividend Rate APY**
$2,500 - $24,999.99 1.75% 1.76% APY**
$25,000 - $74,999.99 2.00% 2.02% APY**
$75,000 or more 2.25% 2.27% APY**
Minimum balance to open the account and earn the APY is $2,500 for Money Markets. Accounts are variable dividend rate and variable APY. Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield

Kasasa™ Rewards Accounts

Average Daily Balance Dividend Rate APY**
KASASA CASH $0.01 - $10,000.00 3.928% 4.00% APY**
KASASA CASH > $10,000.00 0.25% 0.59% - 4.00% APY**
KASASA CASH qualifications not met 0.05% 0.05% APY**
KASASA SAVER $0.01 - $15,000.00 1.24% 1.25% APY**
KASASA SAVER > $15,000.00 0.25% 0.38% - 1.25% APY**
KASASA SAVER qualifications not met 0.05% 0.05% APY**
Kasasa Accounts do not have a minimum balance requirement to earn dividends. The dividend paid is dependent upon meeting account qualifications and account balances. Accounts are variable dividend rate and variable APY. Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield

Health Savings

Annual Percentage Yields of

Average Daily Balance Dividend Rate APY**
$100 - $1,000 0.05% 0.05% APY**
$1,000.01 - $5,000 0.05% 0.05% APY**
$5,000.01 - $10,000 0.10% 0.10% APY**
$10,000.01 or more 0.15% 0.15% APY**
There is no minimum balance to open the account. Minimum balance to earn the APY is $100 for Health Savings Accounts. Accounts are variable dividend rate and variable APY. Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield

Certificates

Annual Percentage Yields of

Share/IRA Certificate Rates

Term Dividend Rate APY**
6 Months 5.00% 5.12% APY**
12 Months 5.15% 5.27% APY**
2 Years 4.25% 4.33% APY**
3 Years 4.10% 4.18% APY**
4 Years 4.00% 4.07% APY**
5 Years 4.00% 4.07% APY**
Minimum balance to open the account and earn the APY is $500 for Share Certificates, Traditional, SEP, Roth and Educational IRAs. 6 month term is not available for IRA Certificates. IRA Certificates are available as a Roth, Traditional, SEP or ESA. Rates are subject to change without notice. Fees could reduce the earnings on this account. Early withdrawal penalties may apply. **APY = Annual Percentage Yield

Jumbo Share/IRA Certificate Rates

Term Divided Rate APY**
6 Months 5.25% 5.38%
12 Months 5.40% 5.54%
2 Years 4.50% 4.59%
3 Years 4.35% 4.44%
4 Years 4.25% 4.33%
5 Years 4.25% 4.33%
Jumbo Certificates have a minimum balance of $100,000. 6 month term is not available for IRA Certificates. IRA Certificates are available as a Roth, Traditional, SEP or ESA. ** Rates are subject to change without notice. Membership eligibility required. A penalty may be imposed for early withdrawal. Contact a Financial Service Representative for more information on applicable fees and terms. Minimum balance required for a share account at Community Credit Union is $25. Rates are subject to change without notice. Membership eligibility is required. Some restrictions may apply. This Credit Union is federally insured by NCUA and is an Equal Housing Lender.