Loans

Looking to buy a new car, boat, or motorcycle? Need to consolidate your debts? Want a home equity line of credit? If so, then City County Employees Credit Union has a loan to meet your needs. Get Pre-Approved today so that you can negotiate as a “Cash” Buyer.

Loans are available to our members for a variety of purposes. We offer:

• Automobile Loans
• Home Equity Loans
• “Smart Line” Line of Credit Loans
• Overdraft Protection Line of Credit Loans
• Share Secured Loans
• Personal (Signature) Loans
• Watercraft Loans

Automobile Loans
Whether you want a new or used vehicle, you may finance it through us. We can finance up to 100% for new cars for qualified members. Preview our loan rates, complete an online application today, and drive in your new car tomorrow.

Share Secured Loans
Borrow from yourself and save!

Use your regular share account as collateral and borrow up to 90% of the available shares in your account. You will continue to earn dividends on your savings as you pay down your loan. It’s easy!

“Smart Line” Line of Credit Loans
SmartLine was designed for Smart Money Managers, because we think you should be rewarded for your good credit! Enjoy the convenience of a loan without filling out a new application each time you need money. Make loan advances anytime of $50 or more, up to your established credit limit with our special SmartLine checks, in person or by telephone transfer.

To request a loan approval today, contact our Loan Department or complete an online application.

Overdraft Protection Line of Credit Loans
Get an added level of protection against unanticipated cash flow emergencies and account reconciliation errors with a Overdraft Protection Line of Credit loan. This loan backs up your Share Draft Checking account and helps you avoid any non-sufficient funds (NSF) fees.

• Minimum credit line limit is $300.

• Advances are made in $50 increments.

• Enjoy an open-ended term and a fixed rate.

To request a Overdraft Protection Line of Credit loan, contact our Loan Department or complete an online application.

Personal Loans
Personal loans are a cost-effective alternative to credit cards. Your Credit Union can offer member loans as low as $300 and up to $10,000 – a program to fit everyone’s needs.

Personal loans are also an excellent product to help younger people establish a credit history. They are also a better alternative for people who have had difficulty with using credit cards in the past.

Whatever your personal needs may be, a City County Employees Credit Union, low interest rate personal loan may be a smart choice for you. Complete an online application today.

Watercraft Loans
Get ready to sail away. If you have been looking to get that special boat for your weekend getaways, City County Employees Credit Union can help. Whether new or used, your Credit Union can finance your sunny dreams at an excellent rate. Complete an online application today to get started.

Added Loan Protection

With more employers reducing benefits, our Low Cost Payment Protection Plans will give you and your family PEACE OF MIND! You can rest easy for just pennies a day with our credit life and credit disability plans, knowing your loan payments will be covered should you become ill or injured, or meet with an untimely death. You’ll be glad you did, and your family will thank you!

We also offer a Mechanical Repair Coverage (MRC) policy and a Guaranteed Asset Protection (GAP) policy at special low member prices.

MRC, much like an extended warranty offered at dealerships, pays for covered mechanical repairs. Several plans are available offering various levels of protection. Learn more…

GAP covers the difference between what your insurance company pays and the amount owed on your loan if you covered vehicle is a total loss due to accident damage, theft or other covered occurrence. Learn more…

In addition, if you need budgeting assistance, you may seek help through various community services or the Consumer Credit Counseling Service.

City County Employees Credit Union is an equal opportunity lender, and as such we will accept and process applications for loans without regard to the applicant’s sex, marital status, race, color, religion, national origin or age (provided that the applicant is at least 18 years of age and can enter into a legal contract). Applicants must be members of CCECU and must complete and submit application forms approved by CCECU.