Promotional
Earn & Save with CACCU!
Loan Promotion
New and Used Auto loan rates reduced through January 31, 2025. Rates As low as:
4.99% APR* for terms of 24 months to 60 months
5.49% APR* for terms of 61 months to 84 months
*Annual Percentage Rate. A new vehicle is defined as a current or previous model year with less than 10,000 miles. Used vehicles as old as 2005 - same rate as new. Maximum financing for new/used vehicles: Purchase price, tax, license, and Mechanical Repair Coverage (MRC). Not to exceed 135% of MSRP/N.A.D.A Value, plus GAP. All others subject to review. *APR – Annual Percentage Rate. All loans subject to credit approval. Some restrictions may apply. Representative Example: For a $25,000 loan with a 60-month repayment term at 4.99% APR* funded with a first payment due date set at 30 days from the origination date, the payment would be $471.68 for 59 months, with a final payment of $471.33.
Holiday Signature Loan
Rates as low as 7.50% APR*
*APR - Annual Percentage Rate.
Holiday Loan Representative Example: for a $2,500.00 loan with a 12-month term at 7.50% APR* funded with a first payment due date set at 30 days from the origination date, the payment would be $216.88 for 11 months, with a final payment of $216.79. Offer not available for the refinance of an existing California Community Loans. Rate may vary based on creditworthiness and qualifications. Conditions apply. All loans subject to approval. Rates subject to change without notice.
Term Savings Certificate Special
(Regular or IRA - $1,000.00 Minimum)
*APY - Annual Percentage Yield
Annual Percentage Yield accurate as of 12/10/2024. Dividends paid quarterly, the APY assumes that dividends will remain in the account until maturity. The maximum deposit amount is $478,000.00. Early withdrawals will incur a penalty. Subject to change without notice. Certificate will renew to a standard Certificate at non-promotional dividend rate in effect at the time of maturity based on the term and renewal balance.
Refer-A-Friend Promotion
Referring member earns $50.00*!
New members can earn up to $100.00. Open a checking account, debit card, online banking, and e-statements to earn $50.00. If you set up payroll direct deposit and complete 10 debit card transactions within 60 days earn another $50.00*.
*Refer a Friend Promo Disclosure: To be eligible a California Community Credit Union (CACCU) referral coupon must be completed. The referring member must be in good standing with the credit union. Membership eligibility is required. Primary account holder must be 18 years or older. Checking account requirement: must also open a VISA Debit card, online banking with e-statements. The referring member shall be paid within 14 days of CACCU determining that the referred member meets eligibility requirements. If the new member has payroll direct deposit of $100.00 (Zelle, PayPal, Cash Apps etc. do not qualify, the direct deposit must be from actual employer.) and complete a minimum of 10 debit card transactions within 60 days of account opening they will earn an additional $50.00 bonus. The incentive will be deposited into the savings account within 14 days of the requirement being met. have a direct deposit of at least $100.00 for a minimum of two months. This offer is only valid for new members, not new accounts for existing members or joint members and is based on account opening and compliance with these conditions, not applications. Each person can only be a new member once. Employees, volunteers, and their immediate family (including spouse or relative residing in their household) of CACCU are not eligible for the Referral bonus offer. The value of this offer or program may result in miscellaneous income received from CACCU and we may be required to send you, and file with the IRS, a Form 1099-MISC (Miscellaneous Information). Bonus amounts are subject to all applicable taxes and the responsibility of the member. Please consult your own tax advisor if you have any questions about how this could affect your taxes. Limited time offer. Subject to change without notice.
Anytime Skip-A-Payment Program
Our Mission is to do what is right for our members by putting people before profit, offering affordable products and services, and improving their financial quality of life. One way we can help you improve your financial quality of life is to be helpful during challenging times.
Our Anytime Skip-a-Pay Program allows you to skip a loan payment when you are experiencing a temporary loss of income or have unexpected expenses. We feel this program and others available through CACCU will help you reach our Vision- Improve our members’ financial well-being by helping them reach their financial goals.
*Not valid for Mortgage/Equity Loans, VISA, or Line of Credit Loans. The interest on your loan will accrue until you make your next payment. The skipped payment is added to the end of the loan extending the payoff date. Completion of coupon does not guarantee acceptance. Some Conditions apply. All signers on loan must sign skip-a-payment. If approved the program allows you to skip one loan payment. This offer cannot be combined with any other offer. The loan must be at least 6 months old and not more than 30 days past due. Maximum one anytime Skip-a-Pay per rolling 12-months. This program is subject to change without notice.
For other available Hardship programs please contact the loan department at 916-386-1418.
An unexpected event or emergency can turn your budge 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. Emergency Loan: Visit https://www.caccu.org/loans/personal/ for more information.
Government Employees Assistance Program
0% APR* Short-Term Loan
California Community Credit Union (CACCU) Government Employees Assistance Program is for State of California employees and Federal Government employees. To be eligible you must have a direct deposit of your State or Federal Government payroll into your CACCU account prior to a shutdown or furlough.
*Annual Percentage Rate. Program subject to change without notice. Certain restrictions apply. Limit of one loan. If paid retroactively prior to the end of the loan term, the loan must be paid in full.