Loans & VISA

Auto Loans

Thinking about buying a new or used car? Then starting at CACU is the right choice. Our rates are organized according to the type of loan and your history to insure that you are always getting the best rate possible.* In many cases car loans do not require down payments!

If you have a car loan through another lender, we can beat their rate – often by a lot! Give us a call or apply on line to refinance that loan and save money every month!

Boat & RV Loans

CACU will be happy to loan you the funds for a boat or RV at some of the best rates around.* You can even get pre-approved before you shop so you can negotiate a price with confidence, knowing your financing is already arranged.

MyPay Today

Introducing a new CACU product...MyPay Today gets you the money you need in emergency situations.

We understand that there may be times when money is tight and you may have turned to a payday lender for quick help. Now you can stop this risky cycle with help from your credit union.

*Annual Percentage Rate

Write Yourself a Loan!

That´s right, write yourself a loan - with CACU´s revolving line of credit! It is a loan that is secured by your signature. Once you receive approval, you can access it at any time for any amount (up to your credit limit). You can pick up your loan, have a check mailed to you, have the funds transferred to your checking account, or you can use special checks issued by the credit union. With revolving line of credit, you can´t go wrong.

Secured (Titled New/Used Vehicle Loans)
Cars, Trucks, Vans, Motorcycles, Boats, Travel Trailers, Motor Homes, Fifth Wheels, etc.
TermAPR* As Low As
24 Months 2.99%
36 Months 2.99%
48 Months 2.99%
60 Months 2.99%

72 ($15,000+)

73-120 Months
(Boats, RV's, Motor Homes, Travel Trailers, Fifth Wheels)

Other Secured (Titled/Non-Titled)
Jet Ski's, Snowmobiles, Home Improvement, Off Road Motorcycles, etc.
TermAPR* As Low As
Up to 24 Months 9.90%
25-48 Months 10.90%

Unsecured (Closed-End)
Vacations, Christmas, Medical, Bill Consolidation, etc.
TermAPR* As Low As
Up to 24 Months 12.25%
25-48 Months 13.00%
Line of Credit - Oveerdraft (Open-End) 10.25%

*APR = Annual Percentage Rate
MANAGED RISK LENDING: In the effort to help as many members as possible obtain credit, we use a Managed Risk Lending Program with all lending services for those who qualify and are approved for a loan. Your individual loan rate will be determined by your credit history. It is our goal to make these rates (regardless of your past credit problems) the best rates offered by any lender.

**Please note... If you do not wish to experience DOUBLE PAYMENTS ON LOANS SET ON AUTO-PAY, please refrain from making manual payments and let the system make your payments electronically from your checking or savings accounts on the pre-determined date that you agreed upon when closing the loan. If the funds are not available at that time, our system will attempt to make the transfer for 7 more days until the funds are available in your account and the payment can be made. If auto-pay is unsuccessful after this period, it may then become necessary to make a manual payment.

Equal Housing Lender National Credit Union Administration
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act