This page uses JavaScript. Your browser either does not support JavaScript or you have it turned off. To see this page properly please use a JavaScript enabled browser.
Community Alliance Go to main content

Online Banking

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 to verify the current rates and terms offered on all loan products. 

Calculate a payment

Loan Rates
Effective Date: Friday, October 23rd, 2020
Loan TypeTermAPR (1)Minimum
New Vehicles Up to 48 months 2.50%  
New Vehicles 49 - 60 months 2.50%  
New Vehicles 61 - 72 months 3.25%  
New Vehicles 73 - 84 months 4.00%  
Used Vehicles Up to 48 months 2.75%  
Used Vehicles 49 - 60 months 3.00%  
Used Vehicles 61 - 72 Months 3.25%  
Used Vehicles  73 - 84 months 4.00% $25,000
Home Equity Closed End - 80% LTV 5 Years 4.50% $10,000
Home Equity Closed End - 80% LTV 10 Years 4.50% $10,000
Home Equity Closed End - 80% LTV 15 Years 4.75% $10,000
Home Equity Closed End - 80% CLTV 20 Years 5.00% $10,000
Home Equity - LTV 80% (2,4) Line of Credit 3.25% $10,000
Share / Certificate Pledged Up to 60 months 3.00%  
Personal Loans Up to 60 months 7.75%  
 Maximum amount of unsecured credit may not exceed $25,000 per member.
"Anytime Cash" Overdraft Protection (4) Line of Credit 12.25%  
  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 7.25%  
Rate displayed is for Technology loans set up with direct deposit.  Rate is higher for Technology loans set up with conventional payments. 
New Recreational Vehicles (3) Up to 60 months 4.25%  
New Recreational Vehicles (3) Up to 84 months 4.50%  
New Recreational Vehicles (3) Up to 120 months 4.75%  
New Recreational Vehicles (3) Up to 180 months 5.00% $25,000

Loan Notes:

Rates reflect a .25% discount with direct deposit & automatic transfer payment from your CACU Checking Accounting. Discounts cannot be combined with any "Special" rates.  Rate Discount Excludes All Line-of-Credit Loans.

(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.

(4) Line-of-Credit loans are excluded from the .25% rate discount when enrolled in direct deposit & automatic payment from your CACU Checking Account.   


Credit Card Rates
Effective Date: Friday, October 23rd, 2020
Card TypeAPRRewards
VISA Platinum Preferred Premium (a,b) 7.99% Travel, Gifts (Preview Rewards)
VISA Platinum Preferred (a,b) 11.99% Travel, Gifts (Preview Rewards)
VISA Platinum (a,b) 17.99% Travel, Gifts (Preview Rewards)

(a) Variable Rate: The rate is determined monthly by adding 4.74% to Prime (3.25% as of April,1 2020) 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.

(b) Visa rates are excluded from the .25% rate discount when enrolled in direct deposit & automatic payment from your CACU Checking Account. 

Go to main navigation