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Catholic & Community Credit Union has built a reputation for offering members low-cost loans with flexible terms. Credit union loans differ from loans at many other institutions, because there are no hidden restrictions or costs. Unlike banks or finance companies, you're not penalized for paying your loan ahead of schedule. Interest is paid only for the number of days you use the funds. The credit union can even help you protect your loan and your personal finances with Credit Life and Disability Insurance, so financing with us is worry-free!

The credit union offers loans to meet a wide variety of needs.

New & Used Auto, RV, Boat and Motorcycle Loans
Our loan officers are here to help you with all your vehicle and recreational loan needs! You can receive loan pre-approval before you shop, and our quick turnaround time ensures that you’ll have your new vehicle as soon as possible. Plus, when you finance with C&CCU, we can provide you with a vehicle report for less than retail cost, so you can be sure you’re making a smart investment. Whether you’re searching for your next car, want to have fun with your new boat, motorcycle, ATV or RV or need a trailer to haul your equipment, C&CCU has a loan for you.

Vehicles are accepted as collateral on loans. Loan amounts will be based on 100% of the retail price of both new and used vehicles including insurance and taxes. Retail price will be determined by the vehicle value books (N.A.D.A.).

Member creditworthiness, insurance, and vehicle age and titles all factor in to our auto and recreational vehicle loans. To learn more about credit union requirements and member eligibility guidelines, contact a loan officer at (618) 233-8073.

First-Time Auto Loans
Credit union members ages 16-18 can borrow up to 100% of the vehicle's value, and enjoy flexible loan terms. The loan rate is determined by a parent or guardian's credit, so young borrowers don't have to have a credit history to receive approval. Plus, C&CCU offers low down-payment requirements as well as discounted GAP insurance coverage. A credit union staff member will tailor each loan to ensure affordable payments. These loans are a great way for young members to build their credit from behind the steering wheel!

Check our current loan rates or click here to apply today!

Additional Protection
In addition to great vehicle loans with low rates and excellent service, C&CCU members can also include Guaranteed Auto Protection (GAP) and Extended Warranties in their financing. Check out how you can add value to your loan:

Most people learn about GAP risk the hard way: by believing that their primary insurance will pay off their loan balance if their vehicle is totaled or stolen.

The truth is that your primary insurance carrier will usually pay only the actual cash value of your vehicle, less your deductible. If that sum is less than the loan balance, you have to personally provide the remaining funds. You could end up making payments on a car you can’t even drive!

GAP Insurance is available on autos, trucks, motorcycles and personal watercraft for a low, one-time cost. This cost can be included in your loan, and will pay off your remaining loan balance should your automobile be stolen or damaged beyond repair. Ask your C&CCU Loan Officer about this product when you arrange vehicle financing.

Extended Service Contracts
When buying any vehicle, there is always a chance of having a mechanical breakdown. However, you will have peace of mind knowing that most problems can be taken care of with an Extended Service Contract from Route 66. With this coverage, you’ll never have to worry about expensive mechanical failure again. All plans include 24-hour Emergency Roadside Service and zero-deductible repairs! Ask your Loan Officer for information regarding these contracts when you arrange vehicle financing.

Home Loans
First Mortgage
Buy your first home, move to a bigger home, or refinance your current residence with people you know and trust. We offer conventional, FHA/VA and adjustable-rate loans. Terms range from five to 40 years featuring competitive rates, and members may borrow up to 90% of the home’s value. Best of all, we offer low closing costs, and there are no origination fees or points charged.

Catholic & Community Credit Union can even pre-approve your home loan before you shop. That way, you will have a good idea of just how much house you can afford. Plus, you will have tremendous negotiating power when it’s time to strike a deal!

Click here for full details on rates and mortgage programs, or to start your secure online application now.

Home Equity Lines of Credit
Available for homes located in Illinois and Missouri, these loans allow members to access up to 90% of the equity in their homes. There are two options available:

  1. Fixed Rate Line of Credit provides a two-year period to make multiple advances and provides a repayment term of eight years after the advance period.
  2. Variable Rate Line of Credit allows up to five years to make multiple advances and provides a repayment term of ten years after the advance period.

Home Equity Lines of Credit loans allow you to pay for home improvements, higher education expenses, a vacation or other large purchases. Your payments on these loans may even be tax deductible, so check with your tax advisor about potential benefits.

For rates, full information and eligibility details, contact a C&CCU Loan Officer at (618) 222-1508 or (618) 233-2212.

Personal Loans
Personal Loans
When you need extra cash, but don’t have available collateral, you can still secure the money you need with a Personal Loan from C&CCU. The credit union extends loans to cover tuition costs, weddings, vacations and more! The maximum loan amount is based upon creditworthiness. Contact a loan officer at (618) 233-8073 to get full details. For our current Personal Loan interest rate, click here. To apply for your Personal Loan, click here.

Holiday Loans
Don’t rely on high-interest credit cards for the holidays! Instead, get a low-cost Holiday Loan from the credit union. You’ll enjoy one low rate and won’t have to worry about a pile of bills after the holidays. Holiday loans are available for a limited time during the fall and winter.

Student Loans
Catholic & Community has partnered with Sallie Mae to offer Smart Option student loans, so students can focus on making high marks instead of worrying about high payments. Multiple, flexible in-school repayment options and low-interest rates help pay for college the smart way. To get help paying for college expenses not covered by scholarships or federal loans, please get started here!

Share or Certificate Secured Loans
Share or Certificate Secured Loans are a great way to borrow money, yet continue to earn high interest on your savings. Use the funds you have on deposit to secure a loan at a very low interest rate. Click here to apply for your secured loan.