Loan Rates - Community Credit Union

Mortgages

For current rates, please call our Mortgage Center at 978-968-2200 to speak to one of our Mortgage Lending Representatives. Or you can email us at mortgagecenter@myccu.org.

Personal Loans

Unsecured Loans

Term	APR** as low as	Payment per $1,000 Borrowed
1 Year	12.00%	$88.85
2 Years	12.50%	$47.31
3 Years	12.75%	$33.57
4 Years	13.00%	$26.83
5 Years	13.25%	$22.88
** Annual Percentage Rate (APR) is subject to change without notice. Not all members may be eligible for these rates, other discounts may apply. Please contact us for specific requirements, credit requirements, LTV and term limits and pricing tiers. All loan applications are subject to credit approval.

Secured Loans

	Term	APR** As Low As	Estimated Cost per $1,000
Installment loan up to $100,000	up to 48 months	Fixed at 4.00% over the Passbook/CD interest rate	$22.60
Term Balloon loan up to $100,000	1 payment	Fixed at 3.50% over the Passbook/CD interest rate	$1,002.96
Installment loan >= $100,000	up to 48 months	Fixed at 4.25% over the Passbook/CD interest rate	$22.71
Term Balloon loan >= $100,000	1 payment	Fixed at 3.75% over the Passbook/CD interest rate	$1,003.17
** Annual Percentage Rate (APR) is subject to change without notice. Not all members may be eligible for these rates, other discounts may apply. Please contact us for specific requirements, credit requirements, LTV and term limits and pricing tiers. All loan applications are subject to credit approval.

Credit Cards

Credit Card	Best For	Credit Line Range	Introductory APR*	Regular APR** as low as
Visa Pivot	Building or repairing credit	$300 - $2,500	N/A	18.00%
Visa Vivid	Low rates	$2,500 - $30,000	0.99%	5.50% + Prime Rate
Visa Vivid with Rewards	Earning rewards	$2,500 - $30,000	0.99%	9.00% + Prime Rate
Visa Signature with Rewards	Additional benefits plus rewards	$5,000 - $30,000	0.99%	9.00% + Prime Rate
Visa Business	Visa Business	$5,000 - $50,000	0.99%	8.00% + Prime Rate
* Introductory APR for a period of six billing cycles. After that your APR will vary with the market based on the Prime Rate. ** APR will vary with the market based on the Prime Rate, credit history and is subject to change. All loans are subject to credit approval. The fee associated with foreign transactions converted to US currency is 2%. The ATM cash advance fee is $10.00 or 2%, of the greater. *Points expire 5 years from each calendar year in which they are earned.

Auto Loans

Model Year	Term	APR** As Low As	Estimated Cost per $1,000
New Vehicle 2021-2023 Less than 5K miles	24-66	6.25%	$17.94
New Vehicle 2021-2023 Less than 5K miles	67-75	6.75%	$16.38
Used Vehicle 2021-2023 over 5K miles	24-66	7.25%	$18.42
Used Vehicle 2021-2023 over 5K miles	67-75	7.75%	$16.86
Used Vehicle 2020	24-75	8.25%	$17.11
Used Vehicle 2019	24-75	9.00%	$17.48
Used Vehicle 2018	24-66	9.50%	$19.51
Used Vehicle 2017	24-48	10.25%	$25.48
* No trust, livery, third party, or straw purchases. No salvage, lemon law, flood-damaged, or rebuilt vehicles. Minimum financing amount: $7,500.00 Maximum mileage 75,000 ** Annual Percentage Rate (APR) is subject to change without notice. Not all members may be eligible for these rates, other discounts may apply. Please contact us for specific requirements, credit requirements, LTV and term limits and pricing tiers. All loan applications are subject to credit approval.

Motorcycle Loans

Model Year	Term	APR** As Low As	Estimated Cost per $1,000
New Vehicles (2021-2023) less than 5K miles	24 to 48 months	8.25%	$45.34
Used Vehicle (2021-2023) over 5K miles	24 to 48 months	8.75%	$45.57
Used Vehicle (2017-2020 Model)	24 to 48 months	9.25%	$45.80
** Annual Percentage Rate (APR) is subject to change without notice. Not all members may be eligible for these rates, other discounts may apply. Please contact us for specific requirements, credit requirements, LTV and term limits and pricing tiers. All loan applications are subject to credit approval.