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NEW & USED
VEHICLE LOANS
Qualified members can have
the convenience of pre-approved Vehicle Loans for easy
vehicle shopping. We offer 100% financing on New
& Used Vehicle Loans. A variety of terms are
available. For current rate information see our
Loan Rate Page.
 Look for this logo and get the
convenience of financing your new or used car loan
right at the dealership. Just tell the
dealer you want to finance your car with CACU.
You'll get the same rates available directly
from CACU. Check the list of participating
dealerships.
OVERDRAFT Line of
Credit
An overdraft
protection loan for your CACU checking account provides you with
protection if you overdraw your account. This line of
credit prevents the inconvenience of having a payment
returned for insufficient funds and the cost may be less
than a courtesy pay fee or NSF charge. You can access your
line of credit by issuing a check, as an ATM
transaction, a check card transaction, or by contacting
our office and requesting a deposit to your checking
account. Advances are made in $100 increments. Your
minimum monthly payment will be equal to $3 per $100
advanced with a minimum payment of $15.
PERSONAL SIGNATURE
LOANS
Qualified members can obtain a
Personal Signature Loan for any worthwhile purpose.
Consolidate your bills, pay off your high-interest
credit cards, fix your car, take a mini vacation -
anything!
SHARE
SECURED LOANS
The money in your Share Savings Account
can be used as collateral for a CACU Share Secured Loan.
You'll appreciate paying a very low interest rate on your Share Secured Loan while, at the same
time, earning dividends on
the funds in your Share Savings Account.
STRETCH PAY Salary
Advance Line of Credit
Use a Stretch Pay
line-or-credit to avoid bounced checks, late fees,
and costly loans. It can help you get through
emergencies and provide a sensible alternative to
borrowing from a for-profit payday lender. The loan carries a low
annual fee instead of the recurring fees that
usually accompany each payday loan advance or
rollover. Approval is not based on your credit
score. Up to $500 limits
available.
CREDIT BUILDER
LOAN
With a
Credit Builder Loan, the loan proceeds are deposited
into your CACU savings account. You make regular
payments on the loan, establishing a positive payment
history that is reported to the credit bureau. As a
result, your credit score improves. A higher credit
score translates into better rates on future loans and
can have a positive impact on the cost of other services
including insurance. These loans are offered
at a low
interest rate. Since the loan amount is deposited
into savings, you earn interest on the amount borrowed,
further reducing the cost of the loan. When the loan is paid
in full, you can withdraw the funds from savings and put
it to a variety of uses - the down payment for a major
purchase that can now be financed at a better rate; or
an emergency fund for unexpected expenses; maybe you use
it to pay off other debt, freeing up income and further
improving your credit score. You can use the Credit
Builder Loan to both rebuild your credit history and
establish a habit of setting aside something every month
or every
paycheck.
MORTGAGES 
Whether you are
buying or refinancing your home, the credit
union can help you sort through your options.
We offer the rates, terms and personalized service
that you have come to expect as a member of CACU. We'll
make buying your home simple and affordable. It's
easy to apply - just follow this link!
Pre-Approved
Mortgages - FHA &
VA Mortgage Loans - Conventional Mortgages
Balloon Mortgages
- 10 to 30-Year
Terms - Low, Fixed
Rates
HOME EQUITY
LOANS
If you already own your
home, you have an excellent borrowing tool just beyond
your front door! The equity you have built up in your
home can supply you with the cash you need for just
about anything and the interest you pay on the loan may
be tax-deductible. We offer two unique home equity loan
programs.
Fixed-Rate
Second Mortgage - Borrow and enjoy terms
up to 10 years. You'll appreciate knowing exactly how
much your payment will be each month.
Home Equity
Line-of-Credit - This variable-rate loan
affords you the flexibility of having money available
when you need it. Establish a line of credit from
$10,000 to $100,000 and draw upon it as needed in $100
increments. Your monthly payment is based on the
outstanding balance of the loan.
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