Used Vehicles (2007 - 2010)

Up to 72 mo.

Used Vehicles (2006 & Older)

Business - Used Tow Truck (2006-2009)

Business - Tow Truck (2005 & Older)

Loan Notes:

(1) APR = Annual Percentage Rate. The rates and terms offered on each loan type depend on your credit history, income, collateral and the information provided on your loan application. All rates include a 1/4% discount for automatic payments. If automatic payments are not chosen APR will be 1/4% higher.

(2) Home Equity Line of Credit has a variable rate that is subject to change on a quarterly basis.

(3) Personal Loans: Maximum amount of unsecured credit may not exceed $50,000 per member.

(4) "Anytime Cash" line of credit: This is an unsecured loan with a variable rate that is subject to change on a monthly basis. The maximum rate is 18.00%. Credit limits are available up to $15,000.00.

(5) Educational Loans: Rate displayed is for educational loans set up with direct deposit. Rate is higher for educational loans set up with conventional payments.

(6) Recreational Vehicles include: Boats, Personal Watercraft, Motor Homes, Travel Trailers, Pop-up Campers, Motorcycles, All-Terrain Vehicles, Snowmobiles and Enclosed Trailers. NADA appraised value guidelines will be used to determine values.

(1) Variable Rate: The rate is determined monthly by adding 3.74% to prime for a Platinum Preferred Premium, 7.74% to prime for a Platinum Preferred, and 11.74% to prime for a Platinum. The prime rate used to determine your APR is the Prime Rate published in the Wall Street Journal on the first business day following the 20th of the calendar month.

0% introductory APR for the first 6 billing cycles from account opening on balance transfers. This introductory rate is subject to change if any payment is received after the due date, you make a payment that is not honored by your financial institution or you close your account. This introductory rate does not apply to purchases or cash advances.  After 6 billing cycles the rate for Platinum Preferred Premium cards is 9.99%, for Platinum Preferred cards is 13.99%, and Platinum cards is 17.99%.

Savings (1)
(share 01-share 25)

IRA Share (1)
(share 70)

IRA Roth/Educational
(share 75-77)

(*) APY (annual percentage yield) means a percentage rate reflecting the total amount of dividends or interest paid on an account, based on the dividend or interest rate and the frequency of compounding for a 365 day period. Fees may reduce earnings. Minimum balance may be required on some accounts to earn dividends. Rates may change after account is open.

**The primary share account (share 01) must maintain a minimum balance of $5.00.

(1) Dividend listed is for 4th quarter of 2009. Community Alliance Credit Union's Board of Directors determines the dividend rate paid on share accounts each calendar quarter based on the earnings of the Credit Union. These dividends are calculated based on the daily balance and paid on the first day of the following quarter.

13 Month SPECIAL*

With an Interest Checking account you are eligible to receive a 1/4% rate bonus on any regularly priced certificate.  Use Show Your Card and Save and receive a 1/4% bonus on any certificate of 2 years or more.  Rate bonuses may not be combined.

A penalty is imposed for early withdrawals on Certificates of Deposit. Fees may reduce earnings.

*Upon maturity, the entire balance will automatically transfer to a 12 Month Certificate of Deposit at the current rate for that certificate type. You may elect not to renew the Certificate and have it transfer to a regular or share draft checking account if you desire.