Rates
Low Rates
We have low rates to help you get the best loans!
5.99%
home equity
8.95%
personal loans
5.49%
auto loans
8.90%
visa
Savings Accounts
| Regular Savings | Variable | $500.00 | 0.05% | 0.05% |
| Junior Saver | Variable | $25.00 | 0.05% | 0.05% |
| Santa's Helper | Variable | $500.00 | 0.05% | 0.05% |
| Vacation | Variable | $500.00 | 0.05% | 0.05% |
| Auxiliary Savings | Variable | $500.00 | 0.05% | 0.05% |
| IRA 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 09/30/2024.
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 of 9/30/2024.
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 | 2.624% | 2.650% |
| 6 Month | Fixed | $1,000.00 | 2.820% | 2.850% |
| 9 Month | Fixed | $1,000.00 | 2.869% | 2.900% |
| 12 Month | Fixed | $1,000.00 | 3.211% | 3.250% |
| 18 Month | Fixed | $1,000.00 | 3.211% | 3.250% |
| 24 Month | Fixed | $1,000.00 | 3.260% | 3.300% |
| 36 Month | Fixed | $1,000.00 | 3.309% | 3.350% |
| 48 Month | Fixed | $1,000.00 | 3.357% | 3.400% |
| 60 Month | Fixed | $1,000.00 | 3.455% | 3.500% |
*Annual Percentage Yield, All rates subject to change without notice. Dividend Declaration as of 09/30/2024.
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 | 3.211% | 3.250% |
*Annual Percentage Yield, All rates subject to change without notice. Dividend Declaration as of 09/30/2024.
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.
| 3 Month | Fixed | $25,000.00 | 2.673% | 2.700% |
| 6 Month | Fixed | $25,000.00 | 2.869% | 2.900% |
| 9 Month | Fixed | $25,000.00 | 2.918% | 2.950% |
| 12 Month | Fixed | $25,000.00 | 3.309% | 3.350% |
| 18 Month | Fixed | $25,000.00 | 3.309% | 3.350% |
| 24 Month | Fixed | $25,000.00 | 3.357% | 3.400% |
| 36 Month | Fixed | $25,000.00 | 3.406% | 3.450% |
| 48 Month | Fixed | $25,000.00 | 3.455% | 3.500% |
| 60 Month | Fixed | $25,000.00 | 3.552% | 3.600% |
*Annual Percentage Yield, All rates subject to change without notice. Dividend Declaration as of 09/30/2024.
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 | 3.211% | 3.250% |
| 24 Month | Fixed | $500.00 | 3.260% | 3.300% |
| 36 Month | Fixed | $500.00 | 3.309% | 3.350% |
| 48 Month | Fixed | $500.00 | 3.357% | 3.400% |
| 60 Month | Fixed | $500.00 | 3.455% | 3.500% |
*Annual Percentage Yield, All rates subject to change without notice. Dividend Declaration as of 09/30/2024.
Roth & Traditional IRA Term Accounts
Warning: Early withdrawals from Term / Certificate Accounts may result in substantial penalties.
Regular Share Dividend Declaration as of 6/30/2023.
Money Market Rates Effective as of 6/30/2023.
Certificate Rates Effective as of 6/27/2024.
Warning: Early withdrawals from Term / Certificate Accounts may result in substantial penalties.
| 3 Month | Fixed | $1,000.00 | 2.624% | 2.650% |
| 6 Month | Fixed | $1,000.00 | 2.820% | 2.850% |
| 9 Month | Fixed | $1,000.00 | 2.869% | 2.900% |
| 12 Month | Fixed | $1,000.00 | 3.211% | 3.250% |
| 18 Month | Fixed | $1,000.00 | 3.211% | 3.250% |
| 24 Month | Fixed | $1,000.00 | 3.260% | 3.300% |
| 36 Month | Fixed | $1,000.00 | 3.309% | 3.350% |
| 48 Month | Fixed | $1,000.00 | 3.357% | 3.400% |
| 60 Month | Fixed | $1,000.00 | 3.455% | 3.500% |
*Annual Percentage Yield, All rates subject to change without notice. Dividend Declaration as of 09/30/2024.
New or Used Auto / Van / Truck / SUV
Effective date 05-14-2024
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 $20,000 loan with a 48-month repayment term at 5.49% APR* funded with a first payment due date set at 30 days from the origination date, the payment would be $465.06 for 47 months, with a final payment of $464.57. 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 | Under $10,000 | 5.49% |
| Up to 60 Months | $10,000 or Over | 5.79% |
| Up to 72 Months | $15,000 or Over | 6.09% |
| Up to 84 Months | $25,000 or Over | 6.39% |
*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
Effective date 05-14-2024
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 6.99% APR (Annual Percentage Rate)* funded with a first due date set at 30 days from the origination date, the payment would be $ 718.72 for 179 months, with a final payment of $715.89. 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/USED | 100% MSRP/Appraisal Value | 6.99% |
*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
Effective date 05-14-2024
Up to 100% of MSRP/Appraisal Value including tax and license.
Representative Example: For an $80,000 loan with a 180-month term at 6.99% APR (Annual Percentage Rate)* funded with a first due date set at 30 days from the origination date, the payment would be $ 718.72 for 179 months, with a final payment of $715.89. 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/USED | 100% MSRP/Appraisal Value | 6.99% |
*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
Effective date 05-14-2024
Up to 100% 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 6.59% APR (Annual Percentage Rate)*, funded with a first due date set at 30 days from the origination date, the payment would be $372.37 for 83 months, with a final payment of $371.61. 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 | 6.59% |
*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 9/30/2023.
Signature / Line of Credit / Overdraft / Emergency Loan
Effective date 05-14-2024
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. On Approved Credit, 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.
| Signature | Minimum $500 - Maximum $25,000 | 8.95% |
| Line of Credit | Minimum $500 - Maximum $15,000 | 11.50% |
| Fast Cash | Overdraft LOC - $500 Maximum | 18.00% |
| Emergency Loan | Minimum $200 - Maximum $1,000 | 18.00% |
| Credit Builder | Minimum $500 - Maximum $2,500 | 8.99% APR for 12 Months |
| Minimum $500 - Maximum $2,500 | 9.49% APR for 18 Months | |
| Minimum $500 - Maximum $2,500 | 9.99% APR for 24 Months |
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 Loans. Rate may vary based on creditworthiness and qualifications. Conditions apply. All loans subject to approval. Rates subject to change without notice.
*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.