Rates

Low Rates

We have low rates to help you get the best loans!

4.99%

home equity

6.00%

personal loans

1.49%

auto loans

8.90%

VISA

Savings Accounts

Regular Savings Variable $500.00 0.01% 0.01%
Junior Saver Variable $500.00 0.01% 0.01%
Santa's Helper Variable $500.00 0.01% 0.01%
Other Savings Variable $500.00 0.01% 0.01%
IRA Savings Variable $500.00 0.01% 0.01%

*Annual Percentage Yield, All rates subject to change without notice. Dividend Declaration as of 9/30/2021.

Money Market Accounts

$0.01 - $9,999.99 Variable 0.010% 0.010%
$10,000.00 - $49,999.99 Variable 0.010% 0.010%
$50,000.00 - $249,999.99 Variable 0.020% 0.020%
>$250,000 Variable 0.030% 0.030%

*Annual Percentage Yield, All rates subject to change without notice. Dividend Declaration as of 9/30/2021.

Term Account Dividend Rates

We provide low rates with flexible terms on every auto loan we service.

Warning:  Early withdrawals from Term / Certificate Accounts may result in substantial penalties.

3 Month Fixed $1,000.00 0.010% 0.010%
6 Month Fixed $1,000.00 0.010% 0.010%
12 Months Fixed $1,000.00 0.030% 0.030%
18 Months Fixed $1,000.00 0.030% 0.030%
24 Months Fixed $1,000.00 0.040% 0.040%
36 Months Fixed $1,000.00 0.050% 0.050%
48 Months Fixed $1,000.00 0.060% 0.060%
60 Months Fixed $1,000.00 0.070% 0.070%

*Annual Percentage Yield, All rates subject to change without notice. Dividend Declaration as of 9/30/2021.

Junior Saver Certificate Rates

We provide low rates with flexible terms on every auto loan we service.

Warning:  Early withdrawals from Term / Certificate Accounts may result in substantial penalties.

12 Month Fixed $500.00 0.030% 0.030%

*Annual Percentage Yield, All rates subject to change without notice. Dividend Declaration as of 9/30/2021.

Mini Jumbo & Jumbo Certificate Rates

We provide low rates with flexible terms on every auto loan we service.

Warning:  Early withdrawals from Term / Certificate Accounts may result in substantial penalties.

6 Month Fixed $25,000.00 0.010% 0.010%
12 Month Fixed $25,000.00 0.030% 0.030%
18 Month Fixed $25,000.00 0.030% 0.030%
24 Month Fixed $25,000.00 0.040% 0.040%
36 Month Fixed $25,000.00 0.050% 0.050%
48 Month Fixed $25,000.00 0.060% 0.060%
60 Month Fixed $25,000.00 0.070% 0.070%
6 Month Fixed $100,000.00 0.100% 0.100%
12 Month Fixed $100,000.00 0.150% 0.150%
18 Month Fixed $100,000.00 0.150% 0.150%
24 Month Fixed $100,000.00 0.200% 0.200%
36 Month Fixed $100,000.00 0.250% 0.250%
48 Month Fixed $100,000.00 0.300% 0.300%
60 Month Fixed $100,000.00 0.350% 0.350%

*Annual Percentage Yield, All rates subject to change without notice. Dividend Declaration as of 9/30/2021.

Education IRA Term Accounts

We provide low rates with flexible terms on every auto loan we service.

Warning:  Early withdrawals from Term / Certificate Accounts may result in substantial penalties.

12 Month Fixed $500.00 0.030% 0.030%
24 Month Fixed $500.00 0.040% 0.040%
36 Month Fixed $500.00 0.050% 0.050%
48 Month Fixed $500.00 0.060% 0.060%
60 Month Fixed $500.00 0.070% 0.070%

*Annual Percentage Yield, All rates subject to change without notice. Dividend Declaration as of 9/30/2021.

Roth & Traditional IRA Term Accounts

Warning:  Early withdrawals from Term / Certificate Accounts may result in substantial penalties.

Regular Share Dividend Declaration as of 9/30/2021.

Money Market and Certificate Rates Effective as of 9/30/2021.

 

Warning:  Early withdrawals from Term / Certificate Accounts may result in substantial penalties.

3 Month Fixed $1,000.00 0.010% 0.010%
6 Month Fixed $1,000.00 0.010% 0.010%
12 Month Fixed $1,000.00 0.030% 0.030%
18 Month Fixed $1,000.00 0.030% 0.030%
24 Month Fixed $1,000.00 0.040% 0.040%
36 Month Fixed $1,000.00 0.050% 0.050%
48 Month Fixed $1,000.00 0.060% 0.060%
60 Month Fixed $1,000.00 0.070% 0.070%

*Annual Percentage Yield, All rates subject to change without notice. Dividend Declaration as of 9/30/2021.

New or Used Auto / Van / Truck / SUV

A new vehicle is defined as a current or previous model year with less than 10,000 miles.  Used vehicles as old as 2001 - same rate as new.  Maximum financing for new/used vehicles:  Purchase price, tax, license, and Mechanical Repair Coverage (MRC).  Not to exceed 125% 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 $20,000 loan with a 60-month repayment term at 1.49% APR* funded with a first payment due date set at 30 days from the origination date, the payment would be $346.12 for 59 months, with a final payment of $345.59. Published rate includes a 0.50% APR relationship pricing discount (0.15% for an active CACCU Checking Account, 0.15% for automatic payment transfer, and 0.20% for a CACCU VISA Credit Card or CACCU Line of Credit). Offer valid 10/1/2021 to 1/31/2022.

Up to 48 Months 1.49%
Up to 60 Months $10,000 or Over 1.79%
Up to 72 Months $15,000 or Over 2.09%
Up to 84 Months $25,000 or Over 2.39%

*Annual Percentage Rate. Rates not available for the refinance of an existing California Community Credit Union Loans. Actual term is determined by credit worthiness, loan amount and value of collateral. All rates subject to change without notice.

New / Used RV

Motor Home, Travel Trailer, Jet Ski ATV, etc. etc.  Up to 100% of MSRP or N.A.D.A. including tax and license. Plus, GAP (Guaranteed Asset Protection).

Representative Example:  For an $80,000 loan with a 180-month term at 4.39% APR (Annual Percentage Rate)* funded with a first due date set at 30 days from the origination date, the payment would be $607.57 for 179 months, with a final payment of $606.69.  Published rate includes a 0.50% relationship pricing discount (0.15% for an active CACCU Checking Account, 0.15% for automatic payment transfer, and 0.20% for a CACCU VISA Credit Card or Line of Credit). All loans subject to credit approval.

Up to 180 Months - NEW 80% MSRP/Appraisal Value 4.39%
Up to 180 Months - NEW 100% MSRP/Appraisal Value 4.39%
Up to 120 Months - USED 80% MSRP/Appraisal Value 4.39%
Up to 120 Months - USED 100% MSRP/Appraisal Value 4.39%

*Annual Percentage Rate. Rates not available for the refinance of an existing California Community Credit Union Loans. Actual term is determined by credit worthiness, loan amount and value of collateral. All rates subject to change without notice.

New / Used Boat

Up to 100% of MSRP/Appraisal Value including tax and license.

Representative Example:  For an $80,000 loan with a 180-month term at 4.39% APR (Annual Percentage Rate)* funded with a first due date set at 30 days from the origination date, the payment would be $607.57 for 179 months, with a final payment of $606.69.  Published rate includes a 0.50% relationship pricing discount (0.15% for an Active CACCU Checking Account, 0.15% for automatic payment transfer, and 0.20% for a CACCU VISA Credit card or Line of Credit). All loans subject to credit approval.

Up to 180 Months - NEW 80% MSRP/Appraisal Value 4.39%
Up to 180 Months - NEW 100% MSRP/Appraisal Value 4.39%
Up to 120 Months - USED 80% MSRP/Appraisal Value 4.39%
Up to 120 Months - USED 100% MSRP/Appraisal Value 4.39%

*Annual Percentage Rate. Rates not available for the refinance of an existing California Community Credit Union Loans. Actual term is determined by credit worthiness, loan amount and value of collateral. All rates subject to change without notice.

New / Used Motorcycle & Misc. Secured

Up to 90% of MSRP or Blue Book Value including tax, license and Mechanical Repair Coverage (MRC).  Relationship Pricing:  Enjoy a 0.50% rate reduction when you have an active CACCU Checking Account, sign up for Automatic Loan Payments, and have an active CACCU VISA Credit Card or CACCU Line of Credit.

Representative Example:  For a $25,000 loan with a 84-month term at 5.45% APR (Annual Percentage Rate)*, funded with a first due date set at 30 days from the origination date, the payment would be $358.70 for 83 months, with a final payment of $358.57. Published rate includes a 0.50% relationship pricing discount (0.15% for an Active CACCU Checking Account, 0.15% for automatic payment transfer, and 0.20% for a CACCU VISA Credit card or Line of Credit). All loans subject to credit approval. This offer is not available for the refinance of an existing CACCU loan.

Up to 84 Months - NEW/USED 100% MSRp/N.A.D.A Value 5.45%

*Annual Percentage Rate. Rates not available for the refinance of an existing California Community Credit Union Loans. Actual term is determined by credit worthiness, loan amount and value of collateral. All rates subject to change without notice.

Share Secured / Certificate Secured

Note:  The Annual Percentage Rate (APR) for certificate secured advances will be the dividend rate being paid on the Certificate offered as security (Index), plus 2.50%. Representative Example:  For a $10,000 loan with a 60-month term at 4.99% APR* funded with a first due date set at 30 days from the origination date, the payment would be $188.69 for 59 months, with a final payment of $188.06. All loans subject to credit approval.

Warning:  Early withdrawals from Term / Certificate Accounts may result in substantial penalties.

Up to 60 Months Up to Balance of Regular Share Account 4.99%
Term of the Certificate Up to 90% of Certificate Balance 2.50% (Margin) over current dividend rate

*Annual Percentage Yield, All rates subject to change without notice. Dividend Declaration as of 9/30/2021.

Signature / Promotional / Line of Credit / Overdraft / Emergency Loan

All loans subject to credit approval.

Note: Fast Cash overdraft protection minimum payment will be set at $50.00 per month.

Emergency Loan - An alternative to expensive payday loans; repayment terms of up to six (6) months.  Application fee is $20.00.

Up to 60 Months Up to Balance of Regular Share Account 4.99%
Term of the Certificate Up to 90% of Certificate Balance 2.50% (Margin) over current dividend rate

*Annual Percentage Rate. Rates not available for the refinance of an existing California Community Credit Union Loans. Actual term is determined by credit worthiness, loan amount and value of collateral. All rates subject to change without notice.

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