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LOAN RATES
As a not-for-profit financial institution working to serve our members’ financial needs, Catholic & Community provides affordable loan rates
and substantial returns on our savings and investment products. Consult the charts below for our current rates, and contact us at one of our
convenient locations to learn more about how C&CCU can help you!
Please note, all rates are subject to change without notice. Consult the staff at the C&CCU branch near you for official rate quotes on savings and loans.
Effective Date March 6, 2012
Vehicle Loans
Catholic & Community Loan Officers are here to help you with all your vehicle and recreational loan needs. Contact us at shilohloans@catholicandcommunitycu.com or eastloans@catholicandcommunitycu.com for more loan information or print your loan application, and get started today!
Auto &Truck Loans (2013-2009 model years)
All rates given reflect Annual Percentage Rate |
| Credit Rating |
Terms |
| |
1-63 Mos. |
64-66 Mos. |
67-72 Mos.* |
73-84 Mos.** |
| 740+ |
1.99% |
2.09% |
2.34% |
3.79% |
| 739-700 |
2.29% |
2.29% |
2.64% |
3.99% |
| 699-675 |
3.24% |
3.49% |
4.29% |
5.89% |
| 674-650 |
3.99% |
4.59% |
5.69% |
7.49% |
| 649-625 |
7.29% |
8.49% |
8.49% |
N/A |
| 624-580 |
13.99% |
14.29% |
N/A |
N/A |
A special rate of 1.69% is available for a three-year term for members with credit scores 740 or higher. Applies to model years 2013-2008 only. Ask us for details!
*67-72-month $15,000 minimum with <35,000 miles; 06-12 models
**73-84 month $25,000 minimum with < 30,000 miles; 08-12 models
|
Auto &Truck Loans (2008-2006 model years)
All rates given reflect Annual Percentage Rate |
| Credit Rating |
Terms* |
| |
1-48 Mos. |
49-63 Mos. |
64-66 Mos |
67-72 mos |
| 740+ |
2.34% |
2.34% |
2.69% |
3.14% |
| 739-700 |
2.59% |
2.59% |
3.09% |
3.49% |
| 699-675 |
3.29% |
3.79%
|
3.79% |
4.65% |
| 674-650 |
4.59% |
5.29% |
5.69% |
6.99% |
| 649-625 |
8.99% |
9.29% |
9.29% |
9.75% |
| 624 and below |
13.99% |
14.29% |
14.94% |
N/A |
| *LTV = Loan To Value. LTV is based on the amount financed before any additional loan products are added. Large V8 or diesel trucks and SUVs will have adjusted LTV based upon credit scores. Member will receive a .25% rate discount if LTV is 80% or lower, with a floor of 2.49% APR. |
Auto &Truck Loans (2005-2002 model years)
All rates given reflect Annual Percentage Rate |
| Credit Rating |
Terms |
| |
48 Mos. |
60 Mos. |
66 Mos. |
| 740+ |
3.89% |
4.59% |
4.99% |
| 739-700 |
4.14% |
4.94% |
5.50% |
| 699-675 |
4.90% |
5.90% |
6.75% |
| 674-650 |
5.90% |
6.75% |
8.75% |
| 649-625 |
9.94% |
10.64% |
12.99% |
| 624 and below |
15.94% |
16.49% |
N/A |
*LTV = Loan To Value. LTV is based on the amount financed before any additional loan products are added. Large V8 or diesel trucks
and SUVs will have adjusted LTV based upon credit scores.Maximum allowable mileage is 130,000 miles.
The max term for model years 2002 and older is 48 months. |
Boat, Camper, & RV Loans*
All rates given reflect Annual Percentage Rate |
| Credit Rating |
Loan Value
Up to $15,000 |
$15,001 -
$24,999
|
$25,000 - 49,999 |
$50,000 or greater |
| 740+ |
5.64% |
5.99% |
6.25% |
6.40% |
| 739-700 |
5.99% |
6.34% |
6.60% |
6.75% |
| 699-675 |
7.39% |
7.74% |
8.00% |
8.15% |
| 674-650 |
8.64% |
8.99% |
9.25% |
9.40% |
| 649-625 |
11.64% |
11.99% |
12.25% |
N/A |
| 624 and below |
16.64% |
16.99% |
N/A |
N/A |
| *Maximum terms range from 72 to 180 months, and vary based upon the value of the loan. Contact the credit union for complete details. Increase interest rate by 1.00% APR for all models 2007 and older. Members with credit scores 699 to 675 require a 15% equity position. Members with credit scores 674 and lower require a 25% equity position. |
Motorcycle & ATV Loans (2013-2008 model years)
All rates given reflect Annual Percentage Rate* |
| Credit Rating |
Terms |
|
| |
60 Mos. |
72 Mos. |
|
| 740+ |
4.99% |
5.84% |
|
| 739-700 |
5.34% |
6.19% |
|
| 699-675 |
6.74% |
7.59% |
|
| 674-650 |
7.99% |
8.84% |
|
| 649-625 |
10.99% |
N/A |
|
| 624 and below |
15.99% |
N/A |
|
| *Motorcycles and ATVs require a minimum 5% down payment. Increase interest rate by 0.50% APR for models 2007 and older. Max term for model years 2007-2005 is 60 months, and max term for model years 2005 and older is 48 months. |
Personal Loans
Sometimes a budget boost is all you need to make sense of your financial situation. In those instances,
Catholic & Community Credit Union is happy to help with any one of these flexible loan solutions. Contact us at
shilohloans@catholicandcommunitycu.com or eastloans@catholicandcommunitycu.com for more information on
our personal loan options. You can also print your loan application, and get started today!
Personal Loans
All rates given reflect Annual Percentage Rate |
| Credit Rating |
Terms |
| |
12 Mos. |
24 Mos. |
36 Mos. |
48 Mos. |
| 740+ |
7.50% |
7.50% |
7.50% |
11.50% |
| 739-700 |
7.50% |
7.50% |
7.50% |
12.15% |
| 699-675 |
9.25% |
11.25% |
12.25% |
13.25% |
| 674-650 |
10.50% |
12.50% |
13.50% |
14.50% |
| 649-625 |
13.50%
|
15.50% |
16.50% |
17.50% |
| 624 and below |
18.50% |
20.50% |
21.50% |
22.50% |
Visa Credit Options
All rates given reflect Annual Percentage Rate |
| Card |
Rate |
Benefits |
| Visa Platinum Card |
9.90%
8.90%
with transfer
|
Fixed rate, no annual fee
25-day grace period, no fee
for cash advances
|
| Visa Classic Card |
11.90% |
Fixed rate, no annual fee
25-day grace period, no fee
for cash advances
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Certificate Secured Loans
Loans will be extended to members in good standing for 2% above the certificate rate. Loan will balloon at certificate maturity.
Open End Lines Of Credit
With an Open End Line of Credit, your accounts will be linked to the additional funds you need to cover expenses should you become overdrawn. This additional line of defense is less expensive than traditional Courtesy Pay coverage, and you won’t pay a dime as long as you don’t require an advance. Enjoy $50 advance increments, with limits up to $5,000 and fixed loan rates of 13.9% APR.
Mortgage Loans
The credit union offers several loan programs to fit your needs, including conventional, FHA/VA and adjustable-rate loans. For full details on rates and eligibility requirements, please contact a C&CCU Loan Officer at (618) 222-1508.
Home Equity Loans
Catholic & Community Credit Union understands the excitement that comes with buying or renovating a home. That is why we offer the loans that will help secure your dreams. To learn more about our home equity options, contact us at
shilohloans@catholicandcommunitycu.com or eastloans@catholicandcommunitycu.com. You can also print your loan application, and get started today!
Home Equity Loans
All rates given reflect Annual Percentage Rate* |
| Credit Rating |
Terms |
| |
5 Year |
10 Year |
15 Year |
| 740+ |
5.49% |
5.74% |
6.24% |
| 739-700 |
5.84% |
6.09% |
6.59% |
| 699-675 |
7.24% |
7.49% |
7.99% |
| 674-650 |
8.49% |
8.74%
|
9.24% |
| 649-625 |
11.49% |
11.74% |
12.24% |
| 624 and below |
16.49% |
16.74% |
17.24% |
| *Add 0.75% APR to the rate when LTV is greater than 80%. Subtract 0.75% APR from the rate when LTV is lower than 70%. |
Home Equity Lines of Credit
Lines of credit are available at the prime rate when the Loan-To-Value ratio is 80% or less.
Lines of credit are available at the prime rate plus 1.00% when the Loan-To-Value ratio is 81% to 90%.
The floor rate is 4.00%. All loans for $40,000 or more require an appraisal.
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