Loan Rates

As a not-for-profit financial institution working to serve our members’ financial needs, City Credit Union provides affordable loan rates and and flexible terms. Consult the charts below for our current rates, and contact us to learn more about how City Credit Union can help you!


Consumer Loans (Rates effective 3/1/2023)


Rates based on member creditworthiness and term.

Loan Type Term1 Annual Percentage Rate2 Conditions
New & Used Autos Up to 72 months As Low As 5.52% 2017-2024
Motorcycles & ATVs Up to 72 months As Low As 6.52% 2017-2024
RVs & Watercrafts Up to 84 months As Low As 5.52% Insurance required
Older Vehicles (2002-2016) 85% LTV Up to 48 months As Low As 8.26% Retail value greater than $3,000
Antiques Up to 60 months As Low As 6.90% 2001 & Older
Untitled Collateral Up to 60 months As Low As 6.52% UCC will be filed
Signature Open As Low As 10.71%
FLEX Line of Credit Open As Low As 10.69% Up to $7,500
Share Secured Up to 12 months As Low As 2.50%
CD Secured CD Term Dividend + 2% (2.5% floor) One-year minimum term & CD maturity
Home Equity Up to 180 months 7.75% Variable Rate
HELP Loans (up to $15,000) Up to 120 months As Low As 3.02% Up to $15,000

Rates Effective July 10, 2023

1Loan term dependent upon vehicle and individual credit score.


2Lowest available rate DOES NOT reflect all available discounts. Actual rate dependent upon member eligibility, creditworthiness and other factors. Member must add 3% for the following any signed party on a loan that has had a bankruptcy discharged in the past 4 years. Rates are subject to change without notice. Contact the credit union for complete details.

Possible Discounts: (Share/CD Secured, Home Equity and HELP Loans not applicable)

0.40% for payroll deduction or auto transfer from a City Credit Union savings or checking account.

0.10% for each 10% equity in collateral up to 50% Loan/Value.

Download Our Fee Schedule (PDF)

Youth Loans

City Credit Union gives young members the opportunity to build their credit history early and get started on the right financial path. CCU will loan to young adults ages 16-17 with a parent/guardian. Rates and terms are the same as regular loans.


Whether borrowing funds for a first car or applying for a small personal loan, Our CCU staff will help navigate your child through the loan process and provide important financial literacy tools needed for a bright financial future. 


Contact us to learn more about youth services at City Credit Union. 

(816) 252-2415
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