Loan Rates

Effective as of: January 1, 2020 and are subject to change

 

Auto Loan Rates

Vehicle Year

APR

Term

Payments

2019 and Newer

2.74%

72 Months

72 monthly payments of $15.10 per $1,000.00 borrowed

2017 - 2018

2.99%

60 Months

60 monthly payments of $17.99 per $1,000.00 borrowed

2015 - 2016

3.24%

48 Months

48 monthly payments of $22.27 per $1,000.00 borrowed

2011 - 2014

3.74%

48 Months

48 monthly payments of $22.50 per $1,000.00 borrowed

2010 and Older

5.24%

36 Months

36 monthly payments of $30.14 per $1,000.00 borrowed

*ALL RATES SUBJECT TO CREDIT APPROVAL
*The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information

 

Visa Credit Cards

Card

APR

Credit Limit

VISA Classic

14.90%

up to $2,000

VISA Preferred

11.90%

up to $5,000

VISA Premium

9.90%

up to $10,000

*Certain conditions, restrictions, and exclusions may apply. Terms are available or Contact Us for more information.

 

Personal Loans

Term

APR

Payments

24 Month

7.50%

24 monthly payments of $45.01 per $1,000.00 borrowed

36 Month

8.00%

36 monthly payments of $31.35 per $1,000.00 borrowed

48 Month

8.50%

48 monthly payments of $24.66 per $1,000.00 borrowed

*Loans are available to members for almost any worthwhile purpose, including vacations, bill consolidation, appliances, home improvements, and more. The credit union has loan terms and rates to suit your financial needs.

 

Single Pay Notes

Single Pay Notes require NO payment until maturity, and are available on a secured or unsecured basis. Single Pay Notes can also be used for almost any worthwhile purpose.

APR

Renewal

5.00% One time renewal up to six months

 

 

Closed End Home Equity Loan

Term

APR

Payments

60 months

3.50%

60 monthly payments of $18.20 per $1,000.00 borrowed

72 months

4.25%

72 monthly payments of $15.77 per $1,000.00 borrowed

84 months

4.50%

84 monthly payments of $13.91 per $1,000.00 borrowed

The payments do not include amounts for taxes and insurance premiums.
Rate thru June 30, 2020
Contact the Lending Department for more information
Minimum Loan amount of $10,000.00
Annual percentage rate may vary quarterly.

 

Home Equity Line of Credit

4.50% APR

Details

  • Rate adjusted Quarterly, 52 week T-Bill rate based on 3rd auction of month plus 4%. The annual percentage rate will not go above 16.50% APR. All closing costs are paid by the credit union.
  • Home Equities are available for properties in the State of Illinois only.
  • To qualify, your potential line of credit must be a minimum of $10,000, and it can be as high as 90% of the appraised value of your home (minus your first mortgage balance). The minimum credit advance that you can receive is $5,000 for the first advance and $500 for each subsequent advance.
  • You must carry Home Owners Insurance on the property that secures this plan.
  • Consult a tax advisor regarding the deductibility of interest.
  • Your payment will never be less than the smaller of $100, or the full amount you owe.
  • The payoff period is shown in the following table:

    Balance

    Pay of Period

    Up to $10,000

    60 Monthly Payments

    $10,000.01 - $25,000

    120 Monthly Payments

    $25,000.01 and above

    180 Monthly Payments

  • The maximum amount by which the annual percentage rate can be changed quarterly is 2.0%. The maximum amount by which the annual percentage rate can be changed is 5.0%. The maximum ANNUAL PERCENTAGE RATE that can apply is 16.5% or the maximum permitted by law, whichever is less. However, under no circumstances will your ANNUAL PERCENTAGE RATE go below 4.0% at any time during the term of the plan.

Rate is effective thru June 30, 2020

 

Share Secured Loans

  • Loans secured by Shares add 2.00% to current paying rate
  • Loans secured by a Share Certificate add 2.00% to earning rate
  • As a qualified borrower at the credit union, you can purchase low-cost Credit Life and Disability insurance for all qualifying loans.

All rates subject to credit approval. All rates stated as APR.

 

 

 Choose Your Loan

CCNCU offers convenient online loan applications for a variety of products.

Apply Now

 

 

 

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