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Loans & Financing

Borrow on
Your Terms

Straightforward lending for every stage of life with local decisions, clear rates, and no surprises.

Apply For a Loan View Loan Rates

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Finance Your Future

Auto Loans

Lock in your rate early with 100 percent financing and no payments for 90 days.

Recreational Vehicle Loans

Finance your boat, camper, or RV with no payments for 90 days on new loans.

Mortgages

Buy your home with down payments as low as 3 percent and local market expertise.

Home Equity Loans

Borrow against your home's value with zero prepayment penalties and flexible terms.

Personal Loans

Get a lower rate for life's meaningful moments, from weddings to medical bills.

Student Loans

Borrow up to $75,000 for school with zero origination fees and one simple application.

Credit Cards

Get rates as low as 11.50% APR with no annual fee.

Run the Numbers Before You Commit

Map out payments, compare loan timelines, and see exactly what fits your budget before you sign anything.

Go To Loan Calculators

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Lock In Your Rate Before You Hit the Lot

See today's auto loan rates and get pre‑approved early so you can walk onto any lot with a clear spending limit.

See Auto Loan Rates

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Apply for a Loan

Three simple ways to get started.

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Apply Online

Finish your application in minutes any time of day.

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Meet With a Lender

Sit down with someone who knows the options.

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Talk to a Banker

Talk to a real person and get answers fast.

Why CCCU Loans?

Member-owned and not-for-profit since 1928, CCCU returns earnings to members through better loan rates, fewer fees, and lending built around your life.

See The CCCU Difference

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More Ways to Plan Ahead

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Free Loan Guides

Browse our library of free loan guides, vehicle checklists, and home-buying timelines.

Explore Loan Guides

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The Pink Pages Blog

Read honest money advice, local budget tips, and clear credit updates on our blog.

Browse The Blog

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Free Financial Counseling

Access confidential financial counseling and debt management tools through our nonprofit partner, GreenPath.

Connect With A Counselor

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Ready to Apply?

Apply online or connect with our team. Member‑owned means better rates and fewer fees on every loan.

Get Started