Rates
Low Rates
We have low rates to help you get the best loans!
4.99%
home equity
8.95%
personal loans
4.69%
auto loans
8.90%
visa
3.50%
cd 12-month term
Savings Accounts
| Regular Savings | Variable | $500.00 | 0.05% | 0.05% |
| Junior Saver | Variable | $500.00 | 0.05% | 0.05% |
| Santa's Helper | Variable | $500.00 | 0.05% | 0.05% |
| Vacation | Variable | $500.00 | 0.05% | 0.05% |
| Auxillary Savings | Variable | $500.00 | 0.05% | 0.05% |
| Checking | Variable | $1,000.00 | 0.05% | 0.05% |
*Annual Percentage Yield, All rates subject to change without notice. Dividend Declaration as of 05/18/2026.
Get a rate that fits your financial profile. Annual Percentage Rates (APRs) are tailored to your credit score – the higher your score, the better your rate may be.
Credit tiers: A (710+), B (660–709), C (610–659), D (560–609), E (510–559).
Money Market Accounts
| $0.01 - $9,999.99 | Variable | 0.747% | 0.75% |
| $10,000.00 - $49,999.99 | Variable | 0.200% | 0.200% |
| $50,000.00 - $249,999.99 | Variable | 0.30% | 0.30% |
| >$250,000.00 + | Variable | 0.30% | 0.30% |
*Annual Percentage Yield, All rates subject to change without notice. Dividend Declaration as 03/31/2026.
Get a rate that fits your financial profile. Annual Percentage Rates (APRs) are tailored to your credit score – the higher your score, the better your rate may be.
Credit tiers: A (710+), B (660–709), C (610–659), D (560–609), E (510–559).
Term Account Dividend Rates
Promotional Rates and Offers can be found on our Promotional page.
Warning:Â Early withdrawals from Term / Certificate Accounts may result in substantial penalties.
| 3 Month | Fixed | $1,000.00 | 2.970% | 3.00% |
| 6 Month | Fixed | $1,000.00 | 3.020% | 3.05% |
| 12 Month | Fixed | $1,000.00 | 3.113% | 3.15% |
| 24 Month | Fixed | $1,000.00 | 3.211% | 3.25% |
| 36 Month | Fixed | $1,000.00 | 3.309% | 3.35% |
| 48 Month | Fixed | $1,000.00 | 3.357% | 3.40% |
| 60 Month | Fixed | $1,000.00 | 3.406% | 3.45% |
*Annual Percentage Yield, All rates subject to change without notice. The dividend rate and Annual Percentage Yield (APY) are accurate as of 05/08/2026.
Get a rate that fits your financial profile. Annual Percentage Rates (APRs) are tailored to your credit score – the higher your score, the better your rate may be.
Credit tiers: A (710+), B (660–709), C (610–659), D (560–609), E (510–559).
Junior Saver Certificate Rates
Promotional Rates and Offers can be found on our Promotional page.
Warning:Â Early withdrawals from Term / Certificate Accounts may result in substantial penalties.
| 12 Month | Fixed | $500.00 | 3.113% | 3.15% |
*Annual Percentage Yield, All rates subject to change without notice. Dividend Declaration as of 05/08/2026.
Get a rate that fits your financial profile. Annual Percentage Rates (APRs) are tailored to your credit score – the higher your score, the better your rate may be.
Credit tiers: A (710+), B (660–709), C (610–659), D (560–609), E (510–559).
Jumbo Certificate Rates
Promotional Rates and Offers can be found on our Promotional page.
Warning:Â Early withdrawals from Term / Certificate Accounts may result in substantial penalties.
| 3 Month | Fixed | $100,000.00 | 3.020% | 3.05% |
| 6 Month | Fixed | $100,000.00 | 3.065% | 3.10% |
| 12 Month | Fixed | $100,000.00 | 3.162% | 3.20% |
| 24 Month | Fixed | $100,000.00 | 3.260% | 3.30% |
| 36 Month | Fixed | $100,000.00 | 3.357% | 3.40% |
| 48 Month | Fixed | $100,000.00 | 3.406% | 3.45% |
| 60 Month | Fixed | $100,000.00 | 3.455% | 3.50% |
*Annual Percentage Yield, All rates subject to change without notice. The dividend rate and Annual Percentage Yield (APY) are accurate as of 05/08/2026.
Get a rate that fits your financial profile. Annual Percentage Rates (APRs) are tailored to your credit score – the higher your score, the better your rate may be.
Credit tiers: A (710+), B (660–709), C (610–659), D (560–609), E (510–559).
First-Time Buyer
Effective date 04/08/2026
Finance up to $20,000.00, terms up to 72 months, and a cash down of 10% or a qualified co-signer. Financing for vehicles from 2006 or newer. Maximum financing: Purchase price, tax, license, and Mechanical Repair Coverage (MRC), not to exceed 100% of MSRP/N.A.D.A Value, plus GAP.  All loans are subject to credit approval. Some restrictions may apply.
Representative Example: For a $15,000 loan with a 72-month repayment term at 9.09% APR* funded with a first payment due date set at 30 days from the origination date, the payment would be $271.11 for 71 months, with a final payment of $271.10. The published rate includes a 0.30% APR relationship pricing discount (0.15% for an active CACCU Checking Account, 0.15% for automatic payment transfer).
| Up to 48 Months | Under $10,000.00 | 8.69% |
| Up to 60 Months | Over $10,000.00 | 8.99% |
| Up to 72 Months | Over $10,000.00 | 9.09% |
*Annual Percentage Rate. Rates not available for the refinance of an existing California Community Credit Union loans. The actual term is determined by creditworthiness, loan amount, and value of collateral. All rates are subject to change without notice. All loans are subject to credit approval.
Get a rate that fits your financial profile. Annual Percentage Rates (APRs) are tailored to your credit score – the higher your score, the better your rate may be.
Credit tiers: A (710+), B (660–709), C (610–659), D (560–609), E (510–559).
New or Used Auto / Van / Truck / SUV
Effective date 04/08/2026
A new vehicle is defined as a current or previous model year with less than 10,000 miles. Used vehicles as old as 2006 - 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. All loans subject to credit approval. Some restrictions may apply.
Representative Example: For a $25,000 loan with a 60-month repayment term at 4.79% APR* funded with a first payment due date set at 30 days from the origination date, the payment would be $469.45 for 47 months, with a final payment of $469.06. 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). This offer is not valid for the refinancing of an existing CACCU loan.
| Up to 48 Months | 4.69% | |
| Up to 60 Months | $10,000 or Over | 4.79% |
| Up to 72 Months | $15,000 or Over | 5.09% |
| Up to 84 Months | $25,000 or Over | 5.39% |
*Annual Percentage Rate. Rates not available for the refinance of an existing California Community Credit Union loan. The actual term is determined by creditworthiness, loan amount, and collateral value. All rates subject to change without notice. All loans are subject to credit approval.
Get a rate that fits your financial profile. Annual Percentage Rates (APRs) are tailored to your credit score – the higher your score, the better your rate may be.
Credit tiers: A (710+), B (660–709), C (610–659), D (560–609), E (510–559).
New / Used RV
Effective date 07-10-2026
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).
RV Loan representative example: For an $80,000 loan with a 180-month term at 6.19% APR* funded with a first payment due date set at 30 days from the origination date, the payment would be $683.61 for 179 months, with a final payment of $680.83. Offer not available for the refinance of an existing California Community RV/Travel Trailer Loan.
| Up to 180 Months - NEW/USED | 100% MSRP/Appraisal Value | 6.19% |
*Annual Percentage Rate. Rates not available for the refinance of an existing California Community Credit Union loan. The actual term is determined by creditworthiness, loan amount, and collateral value. All rates subject to change without notice. All loans are subject to credit approval.
Get a rate that fits your financial profile. Annual Percentage Rates (APRs) are tailored to your credit score – the higher your score, the better your rate may be.
Credit tiers: A (710+), B (660–709), C (610–659), D (560–609), E (510–559).
New / Used Boat
Effective date 07/10/2026
Up to 100% of MSRP/Appraisal Value including tax and license.
Boat Loan representative example: For a $50,000 loan with a 120-month term at 6.19% APR* funded with a first payment due date set at 30 days from the origination date, the payment would be $560.07 for 119 months, with a final payment of $559.31. Offer not available for the refinance of an existing California Community Boat Loan.Â
| Up to 180 Months - NEW/USED | 100% MSRP/Appraisal Value | 6.19% |
*Annual Percentage Rate. Rates not available for the refinance of an existing California Community Credit Union loan. The actual term is determined by creditworthiness, loan amount, and collateral value. All rates subject to change without notice. All loans are subject to credit approval. All loans are subject to credit approval.
Get a rate that fits your financial profile. Annual Percentage Rates (APRs) are tailored to your credit score – the higher your score, the better your rate may be.
Credit tiers: A (710+), B (660–709), C (610–659), D (560–609), E (510–559).
New / Used Motorcycle & Misc. Secured
Effective date 07/10/2026
Up to 100% of MSRP or Blue Book Value including tax, license and Mechanical Repair Coverage (MRC).
Motorcycle Loan representative example: For a $40,000 loan with a term of 84 months at 6.19% APR* funded with a first payment due date set 30 days from the origination date, the payment would be $588.18 for 83 months with a final payment of $587.40. Offer not available for the refinance of an existing California Community Motorcycle Loan. 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).
| Up to 84 Months - NEW/USED | 100% MSRP/N.A.D.A Value | 6.19% |
*Annual Percentage Rate. Rates not available for the refinance of an existing California Community Credit Union loan. The actual term is determined by creditworthiness, loan amount, and collateral value. All rates subject to change without notice. All loans are subject to credit approval.
Get a rate that fits your financial profile. Annual Percentage Rates (APRs) are tailored to your credit score – the higher your score, the better your rate may be.
Credit tiers: A (710+), B (660–709), C (610–659), D (560–609), E (510–559).
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:Â 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. Rates effective 04/08/2026.
Get a rate that fits your financial profile. Annual Percentage Rates (APRs) are tailored to your credit score – the higher your score, the better your rate may be.
Credit tiers: A (710+), B (660–709), C (610–659), D (560–609), E (510–559).
Signature / Line of Credit / Overdraft / Emergency Loan
Effective date 04/08/2026
All loans subject to credit approval.
Line of Credit: 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.
Fast Cash Overdraft: The minimum monthly payment will be the balance due or $50.00 whichever is less.
Emergency Loan - An alternative to expensive payday loans; repayment terms of up to six (6) months. Application fee is $20.00. *Annual Percentage Rate. Some Conditions apply. Representative Example: For an $500.00 loan with a 6-month term at 18.00% APR* funded with a first payment due date set at 30 days from the origination date, the payment would be $87.72 for 6 months.Â
| Signature | $500-$25,000 | 8.95% | 36 mo |
| $10,000-$25,000 | 9.20% | 48 mo | |
| $15,000-$25,000 | 9.50% | 60 mo | |
| $20,000-$25,000 | 10.00% | 72 mo | |
| Line of Credit | Minimum $500 - Maximum $15,000 | 11.50% | |
| Fast Cash | Overdraft LOC - $500 Maximum | 18.00% | |
| Emergency Loan | $2000 Maximum | 18.00% | |
| Credit Builder | Minimum $500 - Maximum $2,500 | 8.99% | 12 mo |
| Minimum $500 - Maximum $2,500 | 9.49% | 18 mo | |
| Minimum $500 - Maximum $2,500 | 9.99% | 24 mo |
Signature loan Representative Example: for a $5,000.00 loan with a 36-month term at 8.95% APR*, funded with a first payment due date set at 30 days from the origination date, the payment would be $158.89 for 35 months, with a final payment of $158.88. Offer not available for the refinance of an existing California Community Loan. Rates may vary based on creditworthiness and qualifications.
*Annual Percentage Rate. Rates not available for the refinance of an existing California Community Credit Union loan. The actual term is determined by creditworthiness, loan amount, and collateral value. All rates subject to change without notice. All loans subject to approval.
Get a rate that fits your financial profile. Annual Percentage Rates (APRs) are tailored to your credit score – the higher your score, the better your rate may be.
Credit tiers: A (710+), B (660–709), C (610–659), D (560–609), E (510–559).