Teach kids financial skills with practice and prizes
Community Credit Union offers youth accounts with rewards that adapt as children grow.
Benefits You’ll Love
- Accounts for members ages 17 and under
- Rewards to reinforce financial skills
- Eligibility for Credit Union scholarship
- No monthly service charges
Members ages 9 and under get a head start on saving with Monty Moose Savings. Every time a child makes a minimum deposit, they'll receive Monty Moose Dollars. Those dollars can be used to purchase fun toys, educational activities, and games at any of our locations!
- For young saver ages 9 and under
- $5 minimum to open the account, earns 5 Monty Moose Dollars (MM)
- 1 MM paid each time account increases in $10 increments
- Presentation of report card earns 3 MM
- Birthday cards are mailed with 3 MM
- Maximum 10 MM earned per member, per visit
- No limits on MM redeemed on any one visit (subject to prize selection available)
- $5 penalty for closing account within 6 months of opening
Monty Moose dollars have no cash value. The credit union is not responsible for lost Monty Moose dollars. The primary account holder must be present for Monty Moose dollars to be given. If credit union personnel perceive mistreatment of the program, the credit union reserves the right to deny program rewards. When making a deposit from outside the credit union (ie: direct deposits, automatic transfers, etc), please notify the credit union of the deposit so that we may mail you the appropriate number of Monty Moose dollars. All deposits made from outside the credit union must be redeemed for Monty Moose dollars within 30 days of the statement date or the last day of the following month. Subject to change without notice. Some restrictions may apply.
Members ages 10 through 12 get rewarded for learning how to save with Life Saver Youth Savings. For every $25 a young saver deposits, they'll earn a punch on their rewards card — which can be redeemed for great prizes!
- For members ages 10 through 12
- $5 minimum to open the account, earns (1) punch
- (1) punch each time the account increases by $25
- Presentation of report card earns (1) punch
- Presentation of Community Credit Union birthday card earns (1) punch
- Maximum of 4 punches per week
- $5 penalty for closing account within 6 months of opening
- Balance transfers to Teens Love Cash account when member turns 13
| Punches Needed | Reward |
|---|---|
| 8 (1 card) | We are currently working on finding a member benefit to fill the 1 card option. We apologize for this inconvenience! |
| 16 (2 cards) | Board Game |
| 24 (3 cards) | $25 Visa® Gift Card |
| 32 (4 cards) | $35 iTunes® Gift Card |
| 40 (5 cards) | $50 Visa Gift Card |
Punch card has no cash value. The credit union is not responsible for lost cards. The primary account holder must present card for punches. Cards may be saved for larger rewards or redeemed at any level. Once card is redeemed, a new card is issued and the punch count begins at zero again. If credit union personnel perceive mistreatment of the program, the credit union reserves the right to deny program rewards. When making a deposit from outside the credit union (ie: direct deposits, automatic transfers, etc), please notify the credit union of the deposit so that we may apply your card with the appropriate number of punches. All deposits made from outside the credit union must be redeemed for punches within 30 days of the statement date or the last day of the following month. Any gifts or incentives awarded in relation to this program may result in issuance of a 1099 if the aggregated fair market value is $10.00 or more. The card expires on the youth's 13th birthday. Subject to change without notice. Some restrictions may apply.
Teens develop fundamental money management skills with the Teens Love Cash account. Members ages 13 to 17 can earn punches on a rewards card for chances to win quarterly drawings. Each quarter four lucky Teens Love Cash account holders will win a $25 Visa® gift card!
- $5 minimum to open account, earns (1) punch on rewards card
- Presentation of report card earns (1) punch
- Earn (1) punch each time the account increases by $25
- Maximum of (4) punches per week
- Checking account with Visa ATM/debit card available with parent or guardian joint ownership
- Direct deposit of teen's payroll check is available
- Members who are high school seniors can apply for CCU's college scholarship
- $5 penalty for closing account within 6 months of opening
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Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
APY Disclosure - Deposits
APY** = Annual Percentage Yield. Rates effective as of 09/23/24. Fees may reduce earnings.
ATVs, Motorcycles, Snowmobiles, Lawn Tractors
| Term | Rates As Low As | Payment per $1,000per month of repayment |
|---|---|---|
| 1 year | 6.75% APR* | $86.42 |
| 2 years | 6.75 % APR* | $44.66 |
| 3 years | 6.75 % APR* | $30.77 |
| 4 years | 7.25% APR* | $24.07 |
| 5 years | 7.25% APR* | $19.93 |
| 6 years** | 7.50% APR* | $17.30 |
Click to see Rate Discounts. Collateralized Loans require full coverage insurance. Rates are subject to change without notice. Available terms may be subject to minimum amount financed. Recreational Vehicle rates apply to 2013-current model years. **2024 Untitled Motorcycle units may go up to 72 months. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.
Career Advancement Loans
| Term | Rates As Low As | Payment per $1,000per month of repayment |
|---|---|---|
| 1 year | 8.75% APR* | $87.35 |
| 2 years | 8.75% APR* | $45.58 |
| 3 years | 9.25% APR* | $31.93 |
| 4 years | 9.25% APR* | $25.01 |
| 5 years | 9.75% APR* | $21.13 |
| 6 years | 10.00% APR* | $18.54 |
| 7 years | 10.00% APR* | $16.61 |
| 10 years | 11.75% APR* | $14.21 |
*APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval. Rates are subject to change without notice. Maximum loan amount is $20,000. Career Advancement Loans may be deferred up to 180 days from disbursement date. Interest will continue to accrue.
Certificate Secured Loans
| Term | Rates As Low As |
|---|---|
| 6 Months | 7.25% APR* |
| 1 Year | 7.00% APR* |
| 2 Years | 7.25% APR* |
| 3 Years | 7.00% APR* |
| 4 Years | 6.80% APR* |
| 5 Years | 6.80% APR* |
Rates are subject to change without notice. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.
Certificates
| Term | Dividend Rate | APY** |
|---|---|---|
| 6 Months | 4.25% | 4.33% |
| 12 Months | 4.00% | 4.07% |
| 2 Years | 3.75% | 3.82% |
| 3 Years | 3.50% | 3.56% |
| 4 Years | 3.30% | 3.35% |
| 5 Years | 3.30% | 3.35% |
Minimum balance to open the account and earn the APY is $500 for Share Certificates, Traditional, SEP, Roth and Educational IRAs. 6 month term is not available for IRA Certificates. IRA Certificates are available as a Roth, Traditional, SEP or ESA. Rates are subject to change without notice. Fees could reduce the earnings on this account. Early withdrawal penalties may apply. **APY = Annual Percentage Yield.
Credit Builder Loans
| Term | Rates As Low As |
|---|---|
| 12 Months | 0% APR* |
| 18 Months | 0% APR* |
| 24 Months | 0% APR* |
Loan amount not to exceed $2,000. Rates are subject to change without notice. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.
Deposit Rate Effective Date
APY** = Annual Percentage Yield. Rates effective as of 09/23/24. Fees may reduce earnings.
Health Savings Accounts
| Average Daily Balance | Dividend Rate | APY** |
|---|---|---|
| $100 - $1,000 | 0.05% | 0.05% |
| $1,000.01 - $5,000 | 0.05% | 0.05% |
| $5,000.01 - $10,000 | 0.10% | 0.10% |
| $10,000.01+ | 0.15% | 0.15% |
There is no minimum balance to open the account. Minimum balance to earn the APY is $100 for Health Savings Accounts. Accounts are a variable dividend rate and variable APY. Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield.
Home Equity Loans
| Type | Rates as Low as |
|---|---|
| Home Equity (up to 80% LTV) | 8.50% APR* |
| No Equity Home Equity (up to 95% LTV) | 9.75% APR* |
*APR = Annual Percentage Rate. The APR is the Credit Union's standard rate. The rate may vary depending on each individual's credit history and underwriting factors and subject to credit approval. Rates are subject to change without notice. This is a mortgage product and may be subject to additional fees such as appraisal and/or title. Homeowners insurance required. Flood insurance required when necessary. Rate is adjusted quarterly based on the prime rate as published in the Wall Street Journal.
Jumbo Certificates
| Term | Divided Rate | APY** |
|---|---|---|
| 6 Months | 4.50% | 4.59% |
| 12 Months | 4.25% | 4.33% |
| 2 Years | 4.00% | 4.07% |
| 3 Years | 3.75% | 3.82% |
| 4 Years | 3.55% | 3.61% |
| 5 Years | 3.55% | 3.61% |
Jumbo Certificates have a minimum balance of $100,000. 6 month term is not available for IRA Certificates. IRA Certificates are available as a Roth, Traditional, SEP or ESA.
** Rates are subject to change without notice. Membership eligibility required. A penalty may be imposed for early withdrawal. Contact a Relationship Specialist for more information on applicable fees and terms. Minimum balance required for a share account at Community Credit Union is $5. Rates are subject to change without notice. Membership eligibility is required. Some restrictions may apply. This Credit Union is federally insured by NCUA and is an Equal Housing Lender.
Kasasa Cash*
| Average Daily Balance | Dividend Rate | APY** |
|---|---|---|
| 0 - $10,000 | 3.928% | 4.00% |
| $10,000+ | 0.25% | 0.59% to 4.00% |
| All balances if qualifications not met | 0.05% | 0.05% |
*Kasasa Accounts do not have a minimum balance requirement to earn dividends. The dividend paid is dependent upon meeting account qualifications and account balances. Accounts are a variable dividend rate and variable APY. Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield.
Kasasa Saver*
| Average Daily Balance | Dividend Rate | APY** |
|---|---|---|
| 0 - $15,000 | 1.24% | 1.25% |
| $15,000+ | 0.25% | 0.38% to 1.25% |
| All balances if qualifications not met | 0.05% | 0.05% |
*Kasasa Accounts do not have a minimum balance requirement to earn dividends. The dividend paid is dependent upon meeting account qualifications and account balances. Accounts are a variable dividend rate and variable APY. Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield.
Lines of Credit
| Type | Rates As Low As |
|---|---|
| Unsecured | 13.25% APR* |
| LeCheque Mate Overdraft Protection | 6.75% Prime** + APR* |
*APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors. Subject to credit approval. Rates are subject to change without notice. Maximum line of credit is $20,000.
**Rate is adjusted quarterly based on the prime rate as published in the Wall Street Journal.
Loan Rate Effective Date
APR* = Annual Percentage Rate. Rates effective as of 08/07/24. Fees may reduce earnings.
Manufactured Housing
| Type | Rates As Low As |
|---|---|
| In a Park | Rates change daily. Contact a Loan Officer for current rates. |
| Singlewide | Rates change daily. Contact a Loan Officer for current rates. |
Rates are subject to change without notice. Down-payment may be required to purchase real estate. Homeowners insurance required. Flood insurance required when necessary.
Money Markets
| Average Daily Balance | Dividend Rate | APY** |
|---|---|---|
| $2,500 - $24,999.99 | 1.75% | 1.76% |
| $25,000 - $74,999.99 | 2.00% | 2.02% |
| $75,000 or more | 2.25% | 2.27% |
Minimum balance to open the account and earn the APY is $2,500 for Money Markets. Accounts are a variable dividend rate and variable APY. Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield.
Mortgages
| Type | Rates As Low As |
|---|---|
| 1st Mortgages | Rates change daily. Contact a Loan Officer for current rates. |
| Land | Rates change daily. Contact a Loan Officer for current rates. |
| Construction | Rates change daily. Contact a Loan Officer for current rates. |
| Land and Manufactured Housing | Rates change daily. Contact a Loan Officer for current rates. |
Community Credit Union partners with CUSO Mortgage.Click here for rates and more information on CU Promise and CU Advantage.
Rates are subject to change without notice. Down-payment may be required to purchase real estate. The credit union may lend up to 95% of the appraised value or cash selling price, whichever is less. Hazard insurance required. PMI may be required. Homeowners insurance required. Flood insurance required where necessary. Excludes manufactured home and land. Property must be your primary residence, 1-4 family, owner occupied to qualified borrower only.
Motorcoaches, RV's, Boats and Travel Trailers
| Term | Rates As Low As | Payment per $1,000per month of repayment |
|---|---|---|
| 1 year | 6.75% APR* | $86.42 |
| 2 years | 6.75% APR* | $44.66 |
| 3 years | 6.75% APR* | $30.77 |
| 4 years | 7.25% APR* | $24.07 |
| 5 years | 7.25% APR* | $19.93 |
| 6 years | 7.50% APR* | $17.30 |
| 7 years | 7.50% APR* | $15.35 |
| 10 years | 8.50% APR* | $12.41 |
| 12 years | 8.75% APR* | $11.25 |
| 15 years | 9.00% APR* | $10.15 |
Click to see Rate Discounts. Rates are subject to change without notice. Available terms may be subject to minimum amount financed. Collateralized Loans require full coverage insurance. Recreational Vehicle rates apply to 2013-current model years. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.
New/Used Auto Loans
| Term | Rates As Low As | Payment per $1,000per month of repayment |
|---|---|---|
| 1 year | 6.35% APR* | $86.23 |
| 2 years | 6.35% APR* | $44.48 |
| 3 years | 6.35% APR* | $30.59 |
| 4 years | 6.60% APR* | $23.77 |
| 5 years | 6.60% APR* | $19.62 |
| 6 years1 | 6.85% APR* | $16.98 |
| 7 years1 | 7.60% APR* | $15.33 |
Click to see Rate Discounts. Loans require full coverage insurance. Rates are subject to change without notice. New/Used Auto rates apply to 2013-current model years. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.
Auto Term Guide
- Not actual mileage, add 2.00% APR*
- Salvage Vehicles, add 2.50% APR* (100% financing not available)
- Auto loans may qualify for financing up to 150% of retail value to include sales tax and documentation fees and back end including GAP and Service Contracts.
One Payment Notes
| Type | Term | Rates As Low As |
|---|---|---|
| Secured | 12 Months | 11.50% APR* |
| Unsecured | 12 Months | 14.50% APR* |
*APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval. Rates are subject to change without notice.
Rate Discounts
| Discount | |
|---|---|
| Auto PayAuto Pay is when you authorize the Credit Union to set up a recurring payment transfer for your loan on a regular basis (weekly, bi-weekly, monthly). This can be set up to transfer from an account at Community Credit Union or an ACH payment using your checking and routing number from another financial institution. | |
| Debt ProtectionDebt Protection is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. We offer a Debt Protection Plan through TruStage Insurance Agency which provides a voluntary payment protection product that can provide financial assistance to cover your loan balance or monthly payment(s). Protected events include: loss of life, disability or involuntary unemployment. Simple eligibility requirements help ease the enrollment process. | |
| GAP**Guaranteed Auto Protection (GAP) is valuable coverage offered to car buyers as part of the auto loan process. GAP pays the difference between the actual cash value (ACV) of an insurance company settlement and the eligible balance of your auto loan in the event your vehicle is stolen or damaged beyond repair. | |
| CU Certified Vehicle Service Contract**Best in class automobile mechanical breakdown coverage for you. CU Certified pays for the replacement of covered part(s) and the labor to install the failed covered part(s). The CU Certified program pays for diagnostics, taxes, fluids, and filters in conjunction with covered repairs. National acceptance, trip interruption, wrap coverage, and 24-hour roadside assistance are some of the ancillary benefits of coverage. |
Rate discount is applied if the associated product is purchased or set up at the time of initial loan closing. Discounts are subject to change without notice. **Eligible on qualifying vehicles, not all vehicles eligible
Share Secured Loans
| Term | Rates As Low As |
|---|---|
| 1 Year | 3.03% APR* |
| 2 Years | 3.03% APR* |
| 3 Years | 3.53% APR* |
| 4 Years | 3.53% APR* |
| 5 Years | 3.53% APR* |
Rates are subject to change without notice. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.
Shares/Club
| Type | Dividend Rate | APY** |
|---|---|---|
| Share1 | 0.03% | 0.03% |
| Vacation Club2 | 0.03% | 0.03% |
| Christmas Club2 | 0.03% | 0.03% |
| Flex Club | 0.03% | 0.03% |
| MatriMoney | 0.03% | 0.03% |
| IRA Club | 0.05% | 0.05% |
Accounts are a variable dividend rate and variable APY. Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield.
1Minimum balance to open the account and earn the APY is $5 for Shares. If the Share account is closed within the first 6 months, it is subject to a closing account fee. 2Subject to early withdrawal penalty if funds are withdrawn before the maturity date.
Signature (Unsecured) Loans
| Term | Rates As Low As | Payment per $1,000per month of repayment |
|---|---|---|
| 1 year | 12.25% APR* | $88.99 |
| 2 years | 12.25% APR* | $47.21 |
| 3 years | 12.75% APR* | $33.59 |
| 4 years | 13.75% APR* | $27.21 |
| 5 years | 14.75% APR* | $23.67 |
*APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval. Rates are subject to change without notice. Maximum loan amount is $20,000.
Visa Business Credit Cards
| Interest Rates and Interest Charges | Rates As Low As |
|---|---|
| Purchases | 15.90% APR* |
| Balance Transfers | 15.90% APR* |
| Cash Advances | 15.90% APR* |
| Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore. |
Visa Classic/Secured Credit Cards
| Interest Rates and Interest Charges | Rates As Low As |
|---|---|
| Purchases | 13.90% APR* |
| Balance Transfers | 13.90% APR* |
| Cash Advances | 13.90% APR* |
| Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore. |
Youth Accounts
| Type | Dividend Rate | APY** |
|---|---|---|
| Monty Moose | 0.03% | 0.03% |
| Life Saver | 0.03% | 0.03% |
| Teens Love Cash | 0.03% | 0.03% |
Accounts are a variable dividend rate and variable APY. Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield.
Minimum balance to open the account and earn the APY is $5 for Monty Moose, Life Saver and Teens Love Cash accounts.
