Loan Rates Effective April 1, 2020 - June 30, 2020.

Save an additional 0.25% off rates if you make your loan payments via direct deposit/payroll deduction.

Spring Loan Special
Type Term APR* Notes
Spring Loan Special 0 - 12 mos. 4.99% Over $10,000 requires
collateral/comaker
Spring Loan Special 24 - 36 mos. 6.74% Over $10,000 requires
collateral/comaker
Spring Loan Special 36 - 48 mos. 7.25% Over $10,000 requires
collateral/comaker
Spring Loan Special 49 - 60 mos. 7.65% Over $10,000 requires
collateral/comaker
Auto Loans
Type Term APR* Notes
Auto Loan1 Special
Model Years 2017 - 2020
0 - 48 mos. 2.99% 100% Financing
Auto Loan1 Special
Model Years 2017 - 2020
60 mos. 3.74% 100% Financing
Auto Loan1 Special
Model Years 2017 - 2020
72 mos. 4.50% 100% Financing
Auto Loan1 Special
Model Years 2017 2020
84 mos. 4.74% 100% Financing
Auto Loan1 Special
Model Years 2015 - 2016
0 - 60 mos. 5.25% 100% Financing
Auto Loan1 Special
Model Years 2015 - 2016
72 mos. 5.50% 100% Financing
Auto Loan1 Special
Model Years 2010 - 2014
0 - 48 mos. 7.75% 100% Financing

(1) All vehicle loans require an insurance card and either a dealer purchase agreement or, if purchased through a private owner, a copy of the title. Auto loan amount not to exceed NADA value.

Real Estate Loans
Type Term APR* Notes
Home Equity 2 5 Years 3.75% LTV=80%
Fixed Rates. No closing costs.
Maximum Loan $50,000 2
Home Equity 2 10 Years 4.25% LTV=80%
Fixed Rates. No closing costs.
Maximum Loan $50,000 2
Home Improvement 3 0 - 36 mos. 8.75% Over $10,000 requires
collateral/comaker
Home Improvement 3 0 - 48 mos. 9.75% Over $10,000 requires
collateral/comaker

(2) Maximum loan to value 80% of appraisal value of property. If loan is cancelled, or equity requirements are not met, applicant is responsible for the appraisal fee.
(3) Loan check must be made payable to the vendor/creditor.

Personal Loans
Type Term APR* Notes
Personal 0 - 36 mos. 11.00% Over $10,000 requires
collateral/comaker
Personal 37 - 48 mos. 11.25% Over $10,000 requires
collateral/comaker
Credit Builder 0 - 24 mos. 18.00% Maximum $2,500 / 24 month term
Share Draft Checking Overdraft Line of Credit 14.99% n/a
Short Term Loan 1 - 6 mos. 21.00% Amounts between $200-$1000
Must be member for 1 month
Share Secured n/a Dividend + 3.00% Pledge share (savings) account as collateral
Visa Credit Card n/a 9.90% No Annual Fee - Fixed
Educational Loans
Type Term APR* Notes
Educational 0 - 36 mos. 9.00% College/University/School
invoices required
Educational 37 - 60 mos. 10.50% College/University/School
invoices required

* APR = Annual Percentage Rate.
Rate is based on credit "grade A", your actual rate may be higher based on your credit score.
Loan rate specials expire June 30, 2020 but CHCU reserves the right to withdraw special offers at any time.
All rates are subject to change without notice. Some restrictions may apply.