Skip to main content

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

Rates effective as of 12/31/2024
TypeAPR as low as:
Credit Builder / Deposit-Secured LoansVaries1

1APR stands for Annual Percentage Rate. Rate is determined by adding a 2.00% margin to the related deposit account rate.

Personal Loan Rates

Rates effective as of 12/31/2024
TypeAPR as low as:Payment Information
60 Months (max term)10.75%2Monthly 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

Rates effective as of 12/31/2024
TypeAPR as low as:Payment Information
36 Months5.50%3Monthly Payment of $30.20 per $1,000
48 Months5.75%3Monthly Payment of $23.37 per $1,000
60 Months6.00%3Monthly Payment of $19.33 per $1,000
72 Months6.25%3Monthly 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

Rates effective as of 12/31/2024
TypeAPR as low as:Payment Information
36 Months8.00%3Monthly Payment of $31.34 per $1,000
48 Months8.25%3Monthly Payment of $24.53 per $1,000
60 Months8.50%3Monthly Payment of $20.52 per $1,000
72 Months8.75%3Monthly 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

Rates effective as of 12/31/2024
Credit Score RangeVariable RateAPRMinimum Monthly Payment**
680 and AbovePrime Rate + 4.99% APR12.49%4Greater of $30 or 3% of Total Balance
600 - 679Prime Rate + 5.99% APR13.49%4Greater of $30 or 3% of Total Balance
Below 600Prime Rate + 7.99% APR15.49%4Greater 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

Rates effective as of 12/31/2024
APRPayment Information
16.00%5Greater 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

Rates effective as of 12/31/2024
APRPayment Information
7.50%6Greater 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

Rates effective as of 12/31/2024

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?

  • Absolutely love this Credit Union in Jefferson. This has been my very first Credit Union. I have always had just regular Bank accounts, and now would never switch back to a Bank. Helpful and extremely wonderful staff I have ever seen. Thank You County City Credit Union!

    Patty O.

Have a Question?

- or -
Call us at 920.674.5542