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.

How do I check the status of my loan application?

Is there a loan application fee?

How can I check my current loan payoff amount?

Do you offer debt consolidation loans?

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

Can I set up payroll deduction for my loan payment?

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

Can I skip a payment on my loan?

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

What is APR?

What is the U.S. Prime Rate?

How do I make principal payments?

Do you offer ITIN Lending?

Auto Loan

What is Guaranteed Asset Protection (GAP)?

How do I refinance a car loan?

Do I need a down payment to purchase a vehicle?

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

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

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

Is a motorcycle loan an auto loan?

Can you refinance a motorcycle loan?

Is it hard to get a motorcycle loan?

How do you get a motorcycle loan?

Boat Loan

Do you offer boat insurance?

Can I prequalify for a boat loan over the phone?

What are the financing terms on boat loans?

How do I apply for boat financing?

What are your boat loan interest rates?

What is the average boat payment?

Does CCCU finance older boats?

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

What credit score do you need for a boat loan?

How long can a boat be financed for?

How does a boat loan work?

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RV Loan

How do I apply for an RV loan?

Do you offer RV insurance?

Can I prequalify for RV loans over the phone?

What are your RV loan interest rates?

How long is an RV loan term?

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ATV & UTV Loans

How do you buy a UTV?

How many years can you finance a UTV?

How do I get a loan for a UTV?

How do ATV loans work?

Bicycle Loan

What types of bicycles do you finance?

How do I apply for a bicycle loan?

Personal Loan

Can I use a personal loan for higher education?

How long does it take to receive my funds?

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

Do I need a co-applicant?

What can I use a personal loan for?

What is a personal loan?

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Credit Cards

How can I request a credit line increase?

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

How do I redeem my credit card rewards?

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

Why was my recent credit line increase request denied?

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

What is the APR for my credit card?

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

How do I report fraud on my account?

How do I file a billing dispute?

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

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

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

How do I add an authorized user to my account?

What are automatic alerts?

How do I freeze/unfreeze my credit card?

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

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

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

When does interest apply?

How is the variable APR for my credit card determined?

What information do I need to submit a balance transfer?

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

What is CCCU’s Zero Liability policy?

What is a chip card?

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

Can I add an authorized user to my account?

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Mortgages / Home Loans

How do I apply for a mortgage?