Auto Purchase & Refinance Promo
Now is the perfect time to hit the open road—and we’re making it even easier to get there with a great rate on your auto loan and extra savings when you set up direct deposit. With automatic payments through your paycheck, you’ll not only stay on track but may even qualify for a lower rate. That means more money in your pocket for getaways, weekend drives, or just cruising with the windows down.
| FICO 650+ | 36 Months | 60 Months | 84 Months |
|---|---|---|---|
| w/ Direct Deposit or Payroll Deduction* | 4.00% APR** | 4.25% APR** | 4.50% APR** |
| w/o Direct Deposit or Payroll Deduction* | 4.50% APR** | 4.75% APR** | 5.00% APR** |
Promotional Terms and Requirements:
- All Applicants FICO Scores: Must be 650 or higher.
- Vehicle Year: 2020 or newer
- Loan-To-Value (LTV): Must be less than 80.00% or Must purchase GAP Advantage*** insurance.
- Loan Amount: Must be greater than $15,000 for loan terms 37+ months.
- Members must be a Mobile app and E-Statement User.
- No Cash Out Refinance.
- No other loan rate discounts will apply.
- The refinancing of current outstanding CCCCU loans is prohibited
Special Bonuses:
- Members purchasing an auto from any Buena Park, CA auto dealership will receive an additional 0.25% rate discount of any rate stated above.****
- All qualifying members will have No Payments for the 1st 90 Days.
*Direct Deposit or Payroll Deduction must be active on your CCCCU account and must be reflected within your CCCCU account history at the time of loan funding. **APR=Annual Percentage Rate. Loans are approved based on creditworthiness, Loan-To-Value, and other qualifications. The refinancing of current outstanding CCCCU loans is prohibited. For every $1,000 borrowed for 36 months at 4.00% APR, the monthly payment is $29.72. For every $1,000 borrowed for 36 months at 4.50% APR, the monthly payment is $29.97. For every $1,000 borrowed for 60 months at 4.25% APR, the monthly payment is $18.66. For every $1,000 borrowed for 60 months at 4.75% APR, the monthly payment is $18.91. For every $1,000 borrowed for 84 months at 4.50% APR, the monthly payment is $14.01. For every $1,000 borrowed for 84 months at 5.00% APR, the monthly payment is $14.25. Your rate may be higher if the promotional terms and requirements are not met. ***GAP Advantage= $599 policy premium per loan amount less than $75,000. $699 policy premium per loan amount from $75,000.01 to $125,000. GAP policies are not available for loan amounts exceeding $125,000. Additional $1,000 GAP Advantage credit available should GAP insurance be utilized during the life of the loan. Details on the GAP Advantage credit will be provided at loan signing. ****The auto dealership’s legal address must be in the City of Buena Park, CA and must be reflected on the purchase contract in order to qualify for the 0.25% discount. Promotional offer expires 09/30/2025.
Signature Loan Promotion
Summer fun shouldn’t come with a high price tag—and with a personal loan from Center City Community CU, it doesn’t have to. Whether you're planning a getaway, tackling a home project, or just need some extra cash, you can save more when you set up direct deposit or payroll deduction to your account. It’s an easy way to qualify for our lowest signature loan rates—so you can spend less time worrying about payments and more time soaking up the sun.
| FICO 680+ | 36 Months | 60 Months | 84 Months |
|---|---|---|---|
| w/ Direct Deposit or Payroll Deduction* | 5.75% APR** | 6.75% APR** | 7.75% APR** |
| w/o Direct Deposit or Payroll Deduction* | 6.25% APR** | 7.25% APR** | 8.25% APR** |
Signature Loan Promotional Terms and Requirements:
- All Applicants FICO Scores: Must be 680 or higher.
- Debt-to-Income Ratio: Must be less than 50.00%
- Loan Amount: Up to $15,000
- Members with current outstanding CCCCU unsecured debts are eligible for debt consolidation only and CCCCU must pay outside debtors directly.
- Refinancing current outstanding CCCCU loans is prohibited.
- No other loan rate discounts will apply.
To apply, log into our Online Banking site or call us at (800) 391-8725 to speak with a representative.
*Direct Deposit or Payroll Deduction must be active on your CCCCU account and must be reflected within your CCCCU account history at the time of loan funding. **APR=Annual Percentage Rate. Loans are approved based on creditworthiness, Loan-To-Value, and other qualifications. The refinancing of current outstanding CCCCU loans is prohibited. For every $1,000 borrowed for 36 months at 5.75% APR, the monthly payment is $30.32. For every $1,000 borrowed for 36 months at 6.25% APR, the monthly payment is $30.54. For every $1,000 borrowed for 60 months at 6.75% APR, the monthly payment is $19.69. For every $1,000 borrowed for 60 months at 7.25% APR, the monthly payment is $19.36. For every $1,000 borrowed for 72 months at 7.75% APR, the monthly payment is $17.42. For every $1,000 borrowed for 72 months at 8.25% APR, the monthly payment is $17.53. Your rate may be higher if the promotional terms and requirements are not met. Promotional offer expires 09/30/2025.
PROMOTIONAL TERM SHARE CERTIFICATES
| Account Type | Required Balance | APR* | APY** |
|---|---|---|---|
| 3 Months (with No Direct Deposit) | $1,000+ | 3.93% | 4.00% |
| 3 Months (with Direct Deposit) | $1,000+ | 4.17% | 4.25% |
| 3 Months (New Account Deposit) | $1,000+ | 4.17% | 4.25% |
| Account Type | Required Balance | APR* | APY** |
|---|---|---|---|
| 5 Months (with No Direct Deposit) | $1,000+ | 3.83% | 3.90% |
| 5 Months (with Direct Deposit) | $1,000+ | 4.07% | 4.15% |
| 5 Months (New Account Deposit) | $1,000+ | 4.07% | 4.15% |
Minimum required Promotional Term Share Certificate balance is $1,000. Certificate interest is paid on a quarterly basis. Penalty for early withdrawal. IRA Shares do not qualify. Offer subject to change without notice. Direct Deposit = Automatic payroll deposit to CCCCU account via ACH or Payroll Deduction. New Account Deposit = Account opened within the previous 30 days from the deposit date with funds that are not currently deposited in a CCCCU account.
To open a Certificate of Deposit, contact Member Services at (800) 391-8725.
*APR = Annual Percentage Rate. **APY= Annual Percentage Yield. CCCCU computes the balance in our share accounts to dividends you will be paid by using the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. We calculate the average daily balance by adding the account for each day of the period and dividing that figure by the number of days in the period.
