Current Rates
Rates and terms are subject to change without prior notice.
Loan Rates
Auto Loans (New & Used)
Range from 5.00% to 15.00%
Terms from 24 Months to 72 Months
Recreational Vehicle Loans
Range from 7.00% to 15.00%
Terms from 24 Months to 84 Months
Unsecured Loans
Range from 6.25% to 17.25%
Terms from 24 Months to 48 Months
Large Collateral
Terms from 24 Months to 72 Months
Examples
| Type | Principal | Rate | Terms | Monthly Payment |
|---|---|---|---|---|
| Auto | $40,000 | 5.00% | 60 Months | $755 |
| RV | $25,000 | 7.00% | 72 Months | $495 |
| Unsecured | $15,000 | 6.75% | 48 Months | $359 |
| Large Collateral | $20,000 | 8.00% | 72 Months | $351 |
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% |
If an account is set up as
| Joint (Or) | All joint owners have access to the account information and may perform transactions without the consent of the other owner(s). |
| Joint (And) | All joint owners have access to the account information and may perform transactions only with the other owner(s) also signing prior to the transaction taking place. |
| POD(s) | In the event of the account owner(s) death the payable on death (POD) beneficiary(s) will be given the funds. If more than one beneficiary is named, the funds will be paid out proportionately to each beneficiary. The POD(s) must bring in a death certificate and personal identification prior to any funds being released from the account. |
Fee Schedule
Rates Effective January 1, 2023
| Debit Card Convenience Fee | $5/Transaction |
|---|---|
| Paper Statement Fee | $5 (only if we are signed up on E-statements and request a paper statement) |
| 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 5.00% 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.
Log-in to Online Banking Register (First time Online Log-in)Before registering, you will need to make sure CCFCU has a current cell number or email address on file. Forgot User ID/Password? Account Lockout Reset
Please note there is a $5 convenience transfer to pay with your debit card or you can go to our Online Banking and send an ACH Origination for free.
NCUA Insured
Not-for-Profit
Member Owned
