Personal Loans | VISA | Student-Parent VISA | Traditional Auto Loans
Smart Choice Auto Loan | Recreational Vehicle Loans
Stock Secured Loans | Share Secured Loan | Term Share Loan
Estate Loans | Mobile Home Loan | Available Discounts
Credit Insurance | CarFax | Skip-A-Pay  
Loan Calculator | Credit Card Application | Loan Application

CCSD Federal Credit Union offers a wide variety of loans to its members. Unsecured loan products available include personal loans, Visa Cards and Student-Parent Visa Cards.

We also offer a several types of secured loans. Whatever your need, we have the loan to meet it. From RVs to the cost-effective share, term share, or stock secured loans we have a plan that’s right for you. To get you started builing your nestegg, we have estate loans. And if you’re in the market for a mobile home loan, we have those too !!

We are particularly proud of our selection of automobile financing options. Whether you choose a traditional loan or our Smart Choice tax advantaged auto loan, you’ll be happy you did business with your credit union. And if a sharp looking previously owned vehicle has caught your eye, don’t forget to check "CarFax", to get a history on the vehicle you are looking to buy.

All of our loan products feature payment frequencies ranging from weekly to monthly.

Repayment options for all of our loans include:

• Payroll deduction

• Automatic transfer from a CCSD savings or checking account

• Payments through "PAT", our audio response service

• Cash or check payments

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• No collateral required
• 60 Months (5 years) maximum term based upon amount borrowed
• $250 minimum
• Fixed and variable rates available
• Open end plan – can add on after initial advance
• Member pay credit life and/or credit disability  insurance available

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• No annual fee
• 25 day grace period
• Low fixed rate
• Free credit life insurance
• Purchases and cash advances at same rate
• No fee for cash advances, interest begins to accrue immediately
• Member can choose to use for share draft checking overdraft protection
• Minimum payment is 3% of balance
• Can be accessed through PAT, our audio response service
• For lost or stolen cards please call 1-800-543-5073

 (Please Print and Retain) Credit Card Disclosure (Adobe Acrobat file)

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• No annual fee
• 25 day grace period
• Low fixed rate
• $250 minimum credit limit
• Student must be a member in good standing
• Parent must be a qualified co-applicant
• Convenient way to provide emergency funds to student
• On-time payments reported to credit bureaus
• Free credit life insurance
• Purchases and cash advances at same rate
• No fee for cash advances, interest begins to accrue immediately
• Member can choose to use for share draft checking overdraft protection
• Minimum payment is 3% of balance
• Can be accessed through PAT, our audio response service
• For lost or stolen cards please call 1-800-543-5073

(Please Print and Retain) Credit Card Disclosure (Adobe Acrobat file)

RECREATIONAL VEHICLE LOANS:

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• Includes titled boats, motorcycles, campers, fifth wheels and motor homes
• Finance 80% of book value or purchase price, whichever is less
• Variable rates of interest only
• 60 months (5 YEAR) maximum for motorcycles
• 144 months (12 YEARS) maximum for new boats, campers, fifth wheels and motor homes
• 120 months (10 YEARS) maximum for used boats campers, fifth wheels and motor homes
• Will refinance loans from other lenders
• Collision and comprehensive insurance required
• Member pay credit life and/or credit disability insurance available
• Smart Choice Option also available

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• CCSD shares pledged as collateral; pledge amount equals loan balance
• Rate is 3% above share dividend rate
• Rate will change when dividend rate is changed
• 84 months (7 years) maximum term.
• Member pay credit life and/or credit disability  insurance available

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• CCSD term share account (Share Certificate) pledged as collateral
• Pledge amount equals loan amount
• Rate is 2% over dividend rate earned on collateral
• Member pay credit life and/or credit disability  insurance available
• Rate and repayment term is adjusted when term share renews
• 84 month (7 YEARS) maximum term for payment calculation

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• Stock pledged as collateral
• Stock must be traded on a major exchange
• Lend up to 70% of value based upon closing price in most current issue of Wall St. Journal
• 72 month (6 YEARS) maximum term
• Written stock assignment required
• Stock certificates maintained at credit union office
• Fixed and variable rates
• Member pay credit life and/or credit disability  insurance available

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• Loan proceeds deposited into share account and pledged as collateral
• Excellent way to build credit
• Helpful for those who have difficulty saving on their own
• Rate is 3% above share dividend rate
• Member pay credit life and/or credit disability insurance available
• Rate will change when dividend rate is changed
• 84 months (7 YEARS)  maximum term

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• 120 months (10 years) maximum new, 96 months (8 years) used
• Maximum loan 80% of appraised value or purchase price, whichever is less
• Written appraisal required; applicant paid
• Hazard insurance naming the credit union as loss payee required
• Member pay credit life and/or credit disability  insurance available

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• 100% financing
• Will refinance loans from other lenders
• Collision and comprehensive insurance required
• Fixed and variable rates
• Member pay credit life and/or credit disability  insurance available
• Comparing gas mileage between different types of vehicles

Apply Now | Check Rates & Terms  | Loan Calculator  | E-mail us | CarFax

• Tax advantage auto loan (consult with your tax advisor regarding deductibility)
• Reasonable fees
• Lien filed against primary residence
• Minimum loan $15,000
• 72 month maximum term
• 100% financing
• Will refinance loans from other lenders
• Collision and comprehensive insurance required
• Fixed rate
• Member pay credit life and/or credit disability insurance available

• Credit Disability: payments are made when borrower is unable to work due to illness or injury:
  • Maximum coverage $30,000 per eligible credit union loan
  • Covered individual must be designated at time of loan
  • Monthly premium added to loan balance at end of each month
  • Benefits begin on the 15^th day of illness or injury
  • Can be cancelled at any time with a written request
  • Subject to certain exclusions

• Credit Life: benefits paid upon death
  • Maximum coverage $30,000 per eligible credit union loan
  • Individual and joint coverage available
  • Monthly premiums added at the end of each month
  • No physical required
  • Can be cancelled at any time with a written request
  • Coverage terminates at the age of 70
  • Subject to certain exclusions

• Mortgage Life Insurance: Benefits paid upon death
  • Mortgages financed by other lender are eligible
  • Available to CCSD members only
  • Individual or joint coverage available
  • Loan must have a fixed rate of interest
  • Loan term of at least 10 years, but not longer than 35 years
  • Coverage terminates at age 70
  • Maximum coverage $220,000
  • Subject to certain exclusions

SKIP-A-PAY:

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• Can skip one monthly, two biweekly or four weekly payments per year
• Must be used all at once – no splitting
• Loan must be six months old
• Loans that have been more than 29 days past due are not eligible
• RV, traditional auto, stock, share, term share and personal loans are eligible

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CCSD FCU is federally insured to $100,000 by  NCUA, an Agency of the U.S. Government.

We do business in accordance  with the Federal Fair Housing Law and the Equal  Credit Opportunity Act.

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