Unlock opportunities with funds to pursue higher education.
Explore your options to for higher education. Community Credit Union can help you secure federal and private financing.
Benefits You’ll Love
- Competitive rates for higher education
- Funds for undergraduate and graduate students
- Federal and private options available
- Funds must be used for education costs
- Competitive rates for undergraduate and graduate students
- No origination fee or prepayment penalty1
- Multiple in-school repayment options available
- Interest rate reductions available for automatic payments
- Borrow from $1,000 up to 100% of the school-certified cost of attendance2
Smart Option Student Loan®
Smart Option Student Loans are available for undergraduate students. The graduate loan suite is designed to meet the needs of students in specific fields of study. Find out which loan is right for you!
- Additional financing for higher education expenses
- Loan must be used for a school purpose (books, tuition, etc.)
- Check must be payable to the educational institution
- Maximum loan amount is $20,000
- Loan payments are not deferred, as they are with traditional student loans, however, up to a 180-day deferment may be requested.
Skip a Payment
To be eligible for Skip A Pay, your account and loans must be in good standing. The fee for Skip A Pay is $30 per skipped payment processed. All borrowers on the loan must be present and sign the form. DocuSign with electronic signature is available upon request.
The skipped payment will process overnight and should reflect in member accounts the day after. Eligibility guidelines do apply. Contact our Member Services team for assistance, call us today 207-783-2096 or speak with a Member Representative at your local branch to get started.
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1Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: First to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.
2Sallie Mae reserves the right to approve a lower loan amount than the school-certified amount.
Borrow responsibly. We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.
These loans are made by Sallie Mae Bank or a lender partner. Community Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.
Smart Option Student Loan and graduate loan products: These loans are for students at participating degree-granting schools. Smart Option Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend a participating school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and provide an unexpired government-issued photo ID to verify their identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.
Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note— first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.
SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.
© 2021 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.
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
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 | 7.90% APR* |
| 1 Year | 8.00% APR* |
| 2 Years | 7.50% APR* |
| 3 Years | 7.50% APR* |
| 4 Years | 7.50% APR* |
| 5 Years | 7.50% 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 | 4.90% | 5.01% |
| 12 Months | 5.00% | 5.12% |
| 2 Years | 4.00% | 4.07% |
| 3 Years | 4.00% | 4.07% |
| 4 Years | 4.00% | 4.07% |
| 5 Years | 4.00% | 4.07% |
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.
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 | 5.15% | 5.27% |
| 12 Months | 5.25% | 5.38% |
| 2 Years | 4.25% | 4.33% |
| 3 Years | 4.25% | 4.33% |
| 4 Years | 4.25% | 4.33% |
| 5 Years | 4.25% | 4.33% |
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.
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.
