FAQ Library

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FAQ Library

Loans

Loans

CCCU has a variety of loans to fit your unique needs. Here is everything you need to know about applying for a loan.

What is the U.S. Prime Rate?

What is APR?

Are there prepayment penalties if I pay off my loan early?

Can I skip a payment on my loan?

Can CCCU provide me with a copy of my credit report?

Can I set up payroll deduction for my loan payment?

What is the minimum credit score to qualify for a loan?

Do you offer debt consolidation loans?

How can I check my current loan payoff amount?

Is there a loan application fee?

How do I check the status of my loan application?

How do I make principal payments?

Do you offer ITIN Lending?

Auto Loan

What kind of credit score do you need to get a car loan?

Can I sell a vehicle that I still owe money on?

Do I need a down payment to purchase a vehicle?

How do I refinance a car loan?

What is Guaranteed Asset Protection (GAP)?

Do I need to be a CCCU member to apply for an auto loan?

What are your auto loan rates?

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Motorcycle Loan

How do you get a motorcycle loan?

Is it hard to get a motorcycle loan?

Can you refinance a motorcycle loan?

Is a motorcycle loan an auto loan?

Boat Loan

How does a boat loan work?

How long can a boat be financed for?

What credit score do you need for a boat loan?

How much do you have to put down on a boat?

Does CCCU finance older boats?

What is the average boat payment?

What are your boat loan interest rates?

How do I apply for boat financing?

What are the financing terms on boat loans?

Can I prequalify for a boat loan over the phone?

Do you offer boat insurance?

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RV Loan

How long is an RV loan term?

What are your RV loan interest rates?

Can I prequalify for RV loans over the phone?

Do you offer RV insurance?

How do I apply for an RV loan?

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ATV & UTV Loans

How do ATV loans work?

How do I get a loan for a UTV?

How many years can you finance a UTV?

How do you buy a UTV?

Bicycle Loan

How do I apply for a bicycle loan?

What types of bicycles do you finance?

Personal Loan

What is a personal loan?

What can I use a personal loan for?

Do I need a co-applicant?

Can I get a personal loan if I have limited credit history?

How long does it take to receive my funds?

Can I use a personal loan for higher education?

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Credit Cards

Can I add an authorized user to my account?

What information do I need to add an authorized user to my account?

What is a chip card?

What is CCCU’s Zero Liability policy?

How long will it take to resolve my billing dispute or fraud claim?

What information do I need to submit a balance transfer?

How is the variable APR for my credit card determined?

When does interest apply?

Will you pull my credit report for a credit line increase?

Will I be charged any additional fees for using my credit card overseas?

What are automatic payments, and how do I set them up?

How do I freeze/unfreeze my credit card?

What are automatic alerts?

How do I add an authorized user to my account?

How do I request a new or replacement card and PIN?

How can I pay while I'm waiting for my new card to arrive?

What's the difference between a billing dispute and a fraud claim?

How do I file a billing dispute?

How do I report fraud on my account?

How do I transfer a balance from another credit card to my CCCU Credit Card?

What is the APR for my credit card?

What information do I need to request a credit line increase?

Why was my recent credit line increase request denied?

What should I do before traveling to safeguard my credit card account?

How do I redeem my credit card rewards?

When will my credit card balance transfer post to my account?

How can I request a credit line increase?

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Mortgages / Home Loans

How do I apply for a mortgage?