When applying for a loan, it is important to know the terms and conditions. This is the CCFCU Loan Interest rates guide. All Central Coast Federal Credit Union loan interest rates are quoted as Annual Percentage Yields. It is also what a fixed amount would earn if on deposit for a period of one year. Bear in mind that “compounding” is factored in when determining Annual Percentage Yields! Also note that loan rates and terms are subject to change.
If you have any questions; please call the Credit Union official phone numbers to verify the latest rates and terms at a given time. Put into consideration that on all Share Accounts, fees charged could likewise reduce earnings. See the CCFCU Schedule of Fees for all charges associated with Share Accounts. (The download file contains a one-page PDF file requiring Adobe Acrobat Reader in your device). In addition to this, the Credit Union’s Electronic Funds Transfer Disclosure is also available for download. Other CCFCU disclosures can also be found here.
PRIME SHARE ACCOUNTS CCFCU LOAN RATES
DIVIDEND TIERS
- $100.00 or less
- $100.01 to $9,999.99
- $10,000.00 and over
ANNUAL PERCENTAGE YIELD
- no dividend paid
- 0.020%
- 0.050%
CHRISTMAS CLUB ACCOUNT LOAN RATES
DIVIDEND TIERS
- $100.00 or less
- $100.01 to $9,999.99
- $10,000.00 and over
ANNUAL PERCENTAGE YIELD
- no dividend paid
- 0.020%
- 0.060%
SAMMIE SAVES / SURF ZONE LOAN RATES
DIVIDEND TIERS
- $4.99 or less
- $5.00 to $9,999.99
- $10,000.00 and over
ANNUAL PERCENTAGE YIELD
- no dividend paid
- 0.020%
- 0.050%
MONEY MARKET LOAN INTEREST RATES
DIVIDEND TIERS
- $2,499.99 or less
- $2,500.00 to $9,999.99
- $10,000.00 to $24,999.99
- $25,000.00 and over
ANNUAL PERCENTAGE YIELD
- no dividend paid
- 0.030%
- 0.050%
- 0.100%
*CCFCU says that all Christmas Club and Term Certificates there are penalties for early withdrawal of cash. Also note that Money Market Accounts are subject to withdrawal limitations.
CERTIFICATE/IRA LOAN RATES
You can choose to see the CCFCU Schedule of Fees for all charges associated with Share Accounts. (It is single-page PDF file requiring Adobe Acrobat Reader). Furthermore, there’s an availability of the Credit Union’s Electronic Funds Transfer Disclosure and Funds. All important Facts About about Deposits, Holds and Withdrawals Disclosure.
Individual Retirement Accounts
DIVIDEND TIERS
- $100.00 or less
- $100.01 and over
ANNUAL PERCENTAGE YIELD
- no dividend paid
- 0.300%
TERM CERTIFICATES LOAN RATES
DIVIDEND TIERS
- 3 month $1,000 min
- 7 month $5,000 min.
- 12 month $1,000 min.
- 24 month $5,000 min.
- 36 month $5,000 min.
ANNUAL PERCENTAGE YIELD
- 0.100%
- 0.150%
- 0.200%
- 0.250%
- 0.400%
*For Christmas Club and Term Certificates there are penalties for early withdrawal. Money Market Accounts are subject to withdrawal limitations.
AUTO LOAN INTEREST RATES
All CCFCU auto Loan Rates are quoted as Annual Percentage Rates (APR). Car or motorcycle rates within loan types are given in ranges of what you are taking. Always remember that the rate and terms you are offered for each loan type depend on a determination of your credit worthiness. This is achieved through an analysis of credit reports and information filled in on your loan application form Do not forget that all rates and terms are subject to change. Ultimately, you can call the Credit Union to verify the lAACC rates and terms. The CCFCU Loan Interest rates for auto vehicles are as follows:
New/Used Auto Loans – 2022-2019 Model Years old not exceeding 130K miles
APPROXIMATE TERM
- 48-84 months
PERCENTAGE RATE
- 3.49-16.00%
Used Auto Loans – 2018-2013 Model Years old not exceeding 130K miles
APPROXIMATE TERM
- 48-84 months
PERCENTAGE RATE
- 3.74-16.50%
*Note that all Members with Direct Deposit receive a 0.25% reduction off the quoted Annual Percentage Rate on all consumer loans. (This comes with the exception of VISA, share/certificate secured loans and real estate loans).
PERSONAL LOAN RATES – CCFCU Loan Interest rates
All Rates are quoted as Annual Percentage Rates (APR). Rates within loan types are given in ranges. The rate and terms you are offered for each loan type depend on a determination of your credit worthiness through an analysis of credit reports and information supplied on your loan application. All rates and terms are subject to change; please call the Credit Union to verify the latest rates and terms.
Personal Loans
APPROXIMATE TERM
- Up to 36 months
- Up to 60 months
PERCENTAGE RATE
- 9.50-18%
- 9.99-14.50%
Debt Consolidation
APPROXIMATE TERM
- Up to 36 months
PERCENTAGE RATE
- 9.99-14.50%
Share Secured Loans
APPROXIMATE TERM
- Maximum 10 Years
ANNUAL PERCENTAGE YIELD
- 5% above dividend rate
Certificate Secured Loans
APPROXIMATE TERM
- Term of Certificate
PERCENTAGE RATE
- 5% above dividend rate
*Members with Direct Deposit receive a 0.25% reduction off the quoted Annual Percentage Rate on all consumer loans. (You can also come with the exception of VISA, share/certificate secured loans and real estate loans). Find out more about CCFCU Loan Interest rates here.
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