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.
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.
Routing#: 301080428
CONTACT US
Phone: (816) 252-2415
Fax: (816) 461-0161
Teller24: (800) 721-3366
Email: city@city-cu.com
2550 S State Route 291.,
Independence, MO 64057
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