APR = Annual Percentage Rate. Cannot use loan proceeds to pay off a CCCU loan. Rate can vary based on term and creditworthiness, and is subject to change. Interest will accrue for the first 90 days without payment. 90 day no payment offer only available on new loans to CCCU. Payment example: A $15,000 loan at 2.99% APR for 36 months with 90 days no payments results in monthly payments of $436.