Current Rates

Rates and terms are subject to change without prior notice.

  • Loan Rates
  • Savings Rates
  • Fees

Loan Rates

Auto Loans (New & Used)

Range from 2.75% to 15.00%
Terms from 24 Months to 84 Months

Recreational Vehicle Loans

Range from 3.25% to 15.00%
Terms from 24 Months to 120 Months

Unsecured Loans

Range from 6.25% to 15.00%
Terms from 24 Months to 48 Months

Large Collateral

Range from 7.00% to 15.00%
Terms from 24 Months to 72 Months
Share Secured Loans – Call for rates


Type Principal Rate Terms Monthly Payment
Auto $40,000 2.75% 60 Months $715
RV $25,000 3.50% 72 Months $386
Unsecured $15,000 6.75% 48 Months $359
Large Collateral $20,000 8.00% 72 Months $351
Rates stated as Annual Percentage Rate (APR)
Rates, terms and conditions are subject to credit approval and collateral pledged.
This is not a guarantee of credit.

Current Rates

Rates Effective July 1, 2019

Tiers Balance APR* APY**
Tier 1 $5.00-$24,999.99 0.55% 0.551%
Tier 2 $25,000.00-$49,999.99 0.65% 0.652%
Tier 3 $50,000.00-$99,999.99 0.80% 0.803%
Tier 4 $100,000.00 and over 1.10% 1.106%
*Annual Percentage Rate **Annual Percentage Yield Fees may reduce earnings. The Board of Directors will ratify the dividend rates once current income and available earnings, after required transfers to statutory reserves, are determined to exist.

If an account is set up as

Fee Schedule

Rates Effective March 1, 2016

Excessive Withdrawal$2 per withdrawal after 2 per month
Bad Address/Returned Statement$5 per statement
Cashier's Check$5 per check
Dormant Account$5 per month
Outgoing Wire$15 (Domestic wires only)
Stop Payment$15 per check
Returned Check$25 from member *$15 made payable to member
Loan Payment Deferral$40 (maximum 2 deferrals per loan per year)

not all loans/members will qualify

How can we help you?

CCFCU offers loans on new and used vehicles, recreational vehicles and signature loans to meet your borrowing needs.

Rates as low as 2.75% on vehicle loans.

Come by the office to apply in person or print out an Application
and e-mail or fax it to us.

Did you know you can finance your next car or truck with CCFCU right at the dealership? Look for the CUDL logo and ask the dealer to finance with YOUR credit union.

Churchill County Federal Credit Union offers savings accounts with tiered dividend rates as high as 1.10% APR. Dividends are paid quarterly.

You have the option of opening up special share accounts to save for anything specific such as your next auto or home or a wedding. Ask us how!

Need a loan payment deferral?

Call our office or come by for more information. Not all loans will qualify.

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