Auto Purchase & Refinance Promo
3.99% APR* for Up to 36 months
4.25% APR* for 37 to 60 Months
4.99% APR* for 61 to 84 Months
Direct Deposit/Payroll Deduction Special Bonus: Qualifying members with Direct Deposit or Payroll Deduction to their CCCCU account will receive an additional 0.25% discount off the Auto rates shown above and No Payments for the first 90 days.
Promotional Terms and Requirements:
- Vehicle Year: 2020 or newer
- Loan-To-Value (LTV): Must be less than 80.00% or Must purchase GAP Insurance.
- Loan Amount: Must be greater than $15,000 (For loan terms greater than 37 months).
- All Applicants FICO Scores: Must be 650 or higher.
- 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 are prohibited
*APR=Annual Percentage Rate. Loans are approved based on creditworthiness, Loan-To-Value, and other qualifications. The refinancing of current outstanding CCCCU loans are prohibited. For every $1,000 borrowed for 36 months at 3.99% APR, the monthly payment is $29.52. For every $1,000 borrowed for 60 months at 4.25% APR, the monthly payment is $18.53. For every $1,000 borrowed for 84 months at 4.99% APR, the monthly payment is $14.13. Your rate may be higher if the promotional terms and requirements are not met. Offer expires 06/30/2025.
Signature Loan Promotion
5.99% APR* for Up to 36 months
6.99% APR* for 37 to 60 months
7.99% APR* for 61 to 72 months
Direct Deposit/Payroll Deduction Special Bonus: Qualifying members with Direct Deposit or Payroll Deduction to their CCCCU account will receive an additional 0.25% discount off the Signature loan rates shown above.
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 are 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.
*APR=Annual Percentage Rate. Loans are approved based on creditworthiness and other qualifications. The refinancing of current outstanding CCCCU loans are prohibited. For every $1,000 borrowed for 36 months at 5.99% APR, the monthly payment is $30.42. For every $1,000 borrowed for 60 months at 6.99% APR, the monthly payment is $19.80. For every $1,000 borrowed for 72 months at 7.99% APR, the monthly payment is $17.53. Your rate may be higher if the promotional terms and requirements are not met. Offer expires 06/30/2025.
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% |
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.
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.
