County-City Credit Union offers loan rates based on credit scores to help as many members obtain credit as possible. Members with excellent credit receive our best rates, but we are also able to help those with less-than-perfect credit by charging slightly higher interest rates to offset the additional risk. Our goal is to help you obtain the credit you need and, if applicable, to help you improve your credit worthiness.
Loyalty Discounts
Members can receive the following loyalty discounts on Personal and Secured Loans:
- Subtract 0.25% with an active CCCU Checking Account in good standing.
- Subtract 0.25% for setting up automatic loan payments with CCCU.
Credit Builder Loan Rates
Type | APR as low as: |
---|---|
Credit Builder / Deposit-Secured Loans | Varies1 |
1APR stands for Annual Percentage Rate. Rate is determined by adding a 2.00% margin to the related deposit account rate.
Personal Loan Rates
Type | APR as low as: | Payment Information |
---|---|---|
60 Months (max term) | 10.75%2 | Monthly Payment of 21.62 per $1,000 |
2APR stands for Annual Percentage Rate. Rate is based on credit score and term.
Car, Truck, and Motorcycle Rates
Type | APR as low as: | Payment Information |
---|---|---|
36 Months | 5.50%3 | Monthly Payment of $30.20 per $1,000 |
48 Months | 5.75%3 | Monthly Payment of $23.37 per $1,000 |
60 Months | 6.00%3 | Monthly Payment of $19.33 per $1,000 |
72 Months | 6.25%3 | Monthly Payment of $16.69 per $1,000 |
3APR stands for Annual Percentage Rate. Rate is based on credit score and term. 72 month term available for vehicles 6 years old and newer.
Power Sport (ATV, UTV, Boat, Snowmobile, Jet Ski) Rates
Type | APR as low as: | Payment Information |
---|---|---|
36 Months | 8.00%3 | Monthly Payment of $31.34 per $1,000 |
48 Months | 8.25%3 | Monthly Payment of $24.53 per $1,000 |
60 Months | 8.50%3 | Monthly Payment of $20.52 per $1,000 |
72 Months | 8.75%3 | Monthly Payment of $17.90 per $1,000 |
3APR stands for Annual Percentage Rate. Rate is based on credit score and term. 72 month term available for vehicles 6 years old and newer.
Credit Card Rates
Credit Score Range | Variable Rate | APR | Minimum Monthly Payment** |
---|---|---|---|
680 and Above | Prime Rate + 4.99% APR | 12.49%4 | Greater of $30 or 3% of Total Balance |
600 - 679 | Prime Rate + 5.99% APR | 13.49%4 | Greater of $30 or 3% of Total Balance |
Below 600 | Prime Rate + 7.99% APR | 15.49%4 | Greater of $30 or 3% of Total Balance |
4APR stands for Annual Percentage Rate. Rate is variable based on prime rate, plus a margin based on credit score, and can change every quarter, on the first day of the billing cycle immediately following the start of the new quarter, based on Prime Rate as posted in the Money Section of the Wall Street Journal on the first day of the quarter. Prime Rate as of 01/01/2025 was 7.50% APR. The APR is the same for cash advances and balance transfers. There is a 25-day grace period to avoid a finance charge on a purchase.
** Minimum monthly payment will be increased by any amount past due and any amount by which applicable credit limit has been exceeded.
Kwik Cash Loan Rates
APR | Payment Information |
---|---|
16.00%5 | Greater of $15 or $4 per $100 of Balance |
5APR stands for Annual Percentage Rate. Rate is variable based on prime rate plus a margin of 8.50%. The rate can change on the first day of every month, based on the prime rate as published in the Wall Street Journal’s Money Rate Section on the last day of each month.
Home Equity Lines of Credit Rates
APR | Payment Information |
---|---|
7.50%6 | Greater of $25 or $1.25 for each $100 borrowed |
6APR stands for Annual Percentage Rate. Rate is variable tied to prime rate. The rate can change on the first day of every month, based on the prime rate as published in the Wall Street Journal’s Money Rate Section on the last day of each month.
Home Equity & Mortgage Rates
Term | |
---|---|
15 Year Fixed Rate | Click Here for Current Rate Info |
30 Year Fixed Rate | Click Here for Current Rate Info |
All rates apply to ‘new’ money only. Rates are subject to change at any time. Rate loyalty discounts do not apply to special promotions, Fast $500 Loans, $500 Christmas Loans, Single Pay Loans, Deposit Secured Loans, Credit Cards, Kwik Cash Loans, Home Equity Loans/Lines of Credit, or Mortgage loans. County-City Credit Union reports all loan activity monthly to consumer reporting agencies. Watch for ‘loan specials’ on our home page.
*APR = Annual Percentage Rate.
Ready To Join Our Credit Union?
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After being in banking for over 16 years and customer service for a lifetime, I am very impressed with your staff. Always friendly, knowledgeable, helpful, and available to help members. Sadly, not all places are as respectful of our time and needs. Thank-you for raising the bar!
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I like the friendly helpful people. County City has all the products that I need. Online banking, ATM, great rates on loans and CDs. I have been a member for 9 years.
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Love how welcomed everyone makes you feel when you walk into the credit union and always so helpful!! Would not bank anywhere else!!
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County city is an awesome credit union unlike anywhere else I have ever banked, they have actually come out to my house to do loan paperwork due to my work schedule. Now that is love.
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The staff at CCCU go above & beyond! Customer service is excellent & everyone is so knowledgeable & friendly. I've been with County City for over 20 years & I've honestly never had a bad experience! Thank you so much CCCU!
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So glad I put my money with County City CU when I moved to town. The staff is super friendly and helpful (unlike the sullen people at the banks in town). They have the financial products that I need, with online service and a convenient location. LOVE my credit union!
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Growing up my dad always told me to put my money in a place that knows you and remembers you! I have been a member for quite a few years now and I still smile every time I drive up and they say, Good morning. Donna! They never hesitate to ask If I need anything! That to me speaks volumes! Thank you, County City credit Union! You are all simply the best!
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After being in banking for over 16 years and customer service for a lifetime, I am very impressed with your staff. Always friendly, knowledgeable, helpful, and available to help members. Sadly, not all places are as respectful of our time and needs. Thank-you for raising the bar!
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I like the friendly helpful people. County City has all the products that I need. Online banking, ATM, great rates on loans and CDs. I have been a member for 9 years.
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Love how welcomed everyone makes you feel when you walk into the credit union and always so helpful!! Would not bank anywhere else!!
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County city is an awesome credit union unlike anywhere else I have ever banked, they have actually come out to my house to do loan paperwork due to my work schedule. Now that is love.
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The staff at CCCU go above & beyond! Customer service is excellent & everyone is so knowledgeable & friendly. I've been with County City for over 20 years & I've honestly never had a bad experience! Thank you so much CCCU!
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So glad I put my money with County City CU when I moved to town. The staff is super friendly and helpful (unlike the sullen people at the banks in town). They have the financial products that I need, with online service and a convenient location. LOVE my credit union!
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Growing up my dad always told me to put my money in a place that knows you and remembers you! I have been a member for quite a few years now and I still smile every time I drive up and they say, Good morning. Donna! They never hesitate to ask If I need anything! That to me speaks volumes! Thank you, County City credit Union! You are all simply the best!
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After being in banking for over 16 years and customer service for a lifetime, I am very impressed with your staff. Always friendly, knowledgeable, helpful, and available to help members. Sadly, not all places are as respectful of our time and needs. Thank-you for raising the bar!