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Community Alliance Credit Union Current Rates

Community Alliance Credit Union Loan Rates

Loan Rates

Community Alliance Rates and Terms are subject to change at any time. Please contact the Credit Union 7 days a week to verify the current rates and terms offered on all loan products. 

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Loan Rates
Effective Date: Saturday, November 17th, 2018
Loan TypeTermAPR (1)Minimum
New Vehicles Up to 60 months 2.74%  
  If you enroll in automatic payment from an Alliance Checking Plus account your rate may be as low as 2.74% APR.  If you do not enroll in automatic payment your rate may be as low as 2.99% APR.
New Vehicles 61 - 72 months 3.24%  
New Vehicles 73 - 84 months 3.74%  
Used Vehicles Up to 60 months 3.49%  
Used Vehicles 61 - 72 Months 3.74%  
Used Vehicles  73 - 84 months 4.24% $25,000
Home Equity Closed End - 80% LTV 10 Years 5.00% $10,000
Home Equity Closed End - 100% LTV 15 Years 5.50% $10,000
Home Equity Closed End 80% CLTV 20 Years 6.00% $10,000
Home Equity - LTV 80% (2) Line of Credit 5.25% $10,000
Share / Certificate Pledged Up to 60 months 4.24%  
Personal Loans Up to 60 months 8.25%  
 If you enroll in automatic payment from your CACU checking, you rate may be as low as 8.00% APR. Maximum amount of unsecured credit may not exceed $25,000 per member.
"Anytime Cash" Overdraft Protection Line of Credit 14.25%  
  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.
Educational Loans Up to 60 months 7.50%  
  Rate displayed is for Educational loans set up with direct deposit. Rate is higher for Educational loans set up with conventional payments.
Technology Loan Up to 36 months 7.50%  
Rate displayed is for Technology loans set up with direct deposit.  Rate is higher for Technology loans set up with conventional payments. 
Recreational Vehicles (all years) (3) Up to 60 months 5.24%  
Recreational Vehicles (all years) (3) Up to 84 months 5.49%  
Recreational Vehicles (all years) (3) Up to 120 months 5.74%  
Recreational Vehicles (all years) (3) Up to 180 months 6.24% $25,000

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.

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

(3) 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.

 Most fixed rate products are eligible for a .25% discount with automatic transfer payment from a Checking Account.  Discounts cannot be combined with any "Special" rates.

 


Credit Card Rates
Effective Date: Saturday, November 17th, 2018
Card TypeAPRRewards
VISA Platinum Preferred Premium (1) 9.99% Travel, Gifts (Preview Rewards)
VISA Platinum Preferred (1) 13.99% Travel, Gifts (Preview Rewards)
VISA Platinum (1) 19.99% Travel, Gifts (Preview Rewards)
(1) Variable Rate: The rate is determined monthly by adding 4.74% to Prime (5.25% as of September,27 2018) for a Platinum Preferred Premium, 8.74% to Prime for a Platinum Preferred, and 14.74% 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.

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