Personal Loans

Personal Loans

We offer low rates and flexible terms.

4.99%

home equity

6.00%

personal loans

1.49%

auto loans

8.90%

VISA

Loan Products

Financial Calculators

Financial Calculators

Use our free calculators to plan for the big expenses.

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  • (800) 332-1418

Personal Signature Loan

The California Community CU Personal Loan is a quick and easy option when you need extra funds. Whether you will be using the funds for an unexpected expense, purchase an appliance, go on vacation or to consolidate debt, a California Community CU Personal Loan can help. And you can borrow as little as $500.00.

Added Benefits

  • Rates as low as 6.00% APR*
  • Flexible Terms
  • No collateral required

*Loan amount may vary based on qualifications. Subject to approval based on creditworthiness. Other limitations may apply.  **Term limits based on amount borrowed.  Representative Example: For a $500.00 loan with a 12-month term at 6.00% APR* funded with a first payment due date set at 30 days from the origination date, the payment would be $43.03 for 12-months.

lineofcredit

Line of Credit Loan

A California Community CU Line of Credit offers you the ability to conveniently borrow money when needed. This signature Line of Credit gives you access to your available funds up to your approved limit. You’ll have peace of mind knowing you have immediate access to your Line of Credit Loan. Benefits of a California Community CU Line of Credit:

Added Benefits

  • Rates as low as 7.75% APR*
  • No collateral required

*Loan amount may vary based on qualifications. Subject to approval based on creditworthiness. Other limitations may apply. LOC: a.) The minimum monthly payment required is the balance if equal to or less than $20.00. b.) If the balance exceeds $20.00 the minimum monthly payment is 4.00% of the balance or $20.00 whichever is greater.

rescue

Emergency Loan

An unexpected event or emergency expense can turn your budget upside down.  CACCU offers a smart alternative to costly payday loans... a fast, affordable option to get the cash you need to help get you back on your feet.

Added Benefits

  • Amounts from: $200.00 to $1,000.00
  • Six (6) months to repay
  • NO credit check
  • Low, Fixed Rate of 18.00% APR*
  • Application Fee is $20.00

Emergency Loan Requirements

  • NO credit check required
  • Must be a member in good standing
  • Must have direct deposit or payroll deduction of a portion of your paycheck into your account with CACCU
  • Provide your most recent paycheck stub showing year-to-date income

*Annual Percentage Rate.  On Approved Credit, Some Conditions Apply.  Representative example:  For a $500.00 loan with a 6-month term funded at 18.00% APR*, with a first payment due date set at 30 days from the origination date, the payment would be $87.80 for 5 months, with a final payment of $87.79.

Why is our Emergency Loan a smart alternative to a payday loan?

Payday loans carry extremely high-interest rates and short repayment terms.  Part of the reason payday loans can get borrowers into trouble is due to their extremely short repayment terms.  The repayment period on a payday loan is typically two weeks (the term with CACCU is 6 months!).  The Consumer Finance Protection Bureau (CFPB) notes that on a two-week loan that carries a $15 fee per $100 borrowed, you would pay 400 percent interest (the Annual Percentage Rate with a CACCU Emergency Loan is only 10.00%!)

Payday loans likely won't help your credit.  In many cases, payday lenders don't report on-time payments and loan payoffs to credit bureaus.  This means these products don't help borrowers build credit.  CACCU reports all payments to Experian and TransUnion.  But, if someone misses payments or fails to repay the loan, the payday lenders will often report the delinquent account, further dragging down the borrower's credit score and making it that much harder to obtain better financing products in the future.

How to Avoid needing an Emergency Loan in the future.  Open a separate savings suffix and have a portion of your direct deposit made to that suffix each time it is received.  Start with a small amount such as 1% and increase it over time.  Each time you receive a pay raise, put at least 10% of the amount into your savings account...you won't miss it since you were not receiving it in the first place.

creditbuilder

Credit Builder

No Credit Score? Trying To Establish Credit? We have the perfect program for you! CACCU’s “Credit Builder” Loan. Not only can it help you build or increase a credit score, it will help you become a good saver.

Here's how it works:

You take out a loan for $500.00 to $2,500.00*. The proceeds get deposited into your savings builder account** and placed on hold. At the end of your repayment term, 12 to 24 months, the funds are released.

Making your monthly payment over the term of the loan helps you establish or increase your credit score and, as an added bonus, you build a savings for your dreams!

*Loan amount may vary based on qualifications. Must be employed with current employer for a minimum of six (6) months. All loans subject to approval. Annual Percentage Rate (APR) 8.99% for 12 months and 9.99% APR for 24 months. Rates subject to change without notice Credit Builder Loans representative examples: For an $500.00 loan with a 12-month term at 8.99% APR* funded with a first payment due date set at 30 days from the origination date, the payment would be $43.74 for 11 months, with a final payment of $43.6. For an $1,000.00 loan with a 24-month term at 9.99% APR* funded with a first payment due date set at 30 days from the origination date, the payment would be $46.16 for 23 months, with a final payment of $45.95.

**Dividends are paid based the current auxiliary savings rate.

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