Consumer Loan Rates

At CBC, we make it easy for you to get the money for the things you need. Check out our latest consumer loan rates and choose the product that suites your needs.

  • Vehicle Loans

    New & Used (2016 model year and newer)

    Loan Term

    Rates* as low as
    (Annual Percentage Rate)

    Payment per
    $1000

    Auto/Truck/Van (New & Used)

    Rates and terms apply to direct auto only

    36 Months 3.04%^ $29.10
    48 Months 3.04%^ $22.16
    60 Months 3.04%^ $17.99
    72 Months 3.54%^ $15.44
    84 Months 4.29%^ $13.81


    Older (2015 - 2013 model years)

    Loan Term

    Rates* as low as
    (Annual Percentage Rate)

    Payment per
    $1000

    Auto/Truck/Van (Older)

    Rates and terms apply to direct auto only

    36 Months 3.14%^ $29.15
    48 Months 3.14%^ $22.20
    60 Months 3.39%^ $18.15
    72 Months 3.89%^ $15.60
    84 Months 4.64%^ $13.97

    * APR = Annual Percentage Rate. Rates vary with the amount financed, term and your credit history, and are subject to change without notice. Rates apply to new money loans only. Please contact our Loan Sales Team at (805) 988-2151 ext 2806 for rates on refinancing existing CBC FCU loans.

    ^ Restrictions apply. Call our loan team at (805) 988-2151 ext. 2806 for complete details.

  • Motorcycle
    Term

    Rates* as low as

    (Annual Percentage Rate)

    Payment per
    $1000
    up to 24 Months 4.44%^ $43.62
    36 Months 4.44%^ $29.72
    48 Months 4.44%^ $22.78
    60 Months 4.44%^ $18.62
    72 Months 5.19%^ $16.20

    * APR = Annual Percentage Rate. Rates vary with the amount financed, term and your credit history, and are subject to change without notice. Rates apply to new money loans only. Please contact our Loan Sales Team at (805) 988-2151 ext 2806 for rates on refinancing existing CBC FCU loans.

    ^ Restrictions apply. Call our loan team at (805) 988-2151 ext. 2806 for complete details.

  • Boat & RV
    Term

    Rates* as low as

    (Annual Percentage Rate)

    Payment per
    $1000
    Up to 60 Months 6.00%^ $19.34
    61-120 Months 5.50%^ $10.86
    121 - 180 Months 5.00%^ $7.91

    * APR = Annual Percentage Rate. Rates vary with the amount financed, term and your credit history, and are subject to change without notice. Rates apply to new money loans only. Please contact our Loan Sales Team at (805) 988-2151 ext 2806 for rates on refinancing existing CBC FCU loans.

    ^ Restrictions apply. Call our loan team at (805) 988-2151 ext. 2806 for complete details.

  • CBC Credit Cards
    Type

    6-month Introductory Rate* As low as

    (Annual Percentage Rate)

    Rates* as low as

    (Annual Percentage Rate)

    Visa Platinum 2.99%^ 7.49%^
    Epic Rewards 2.99%^ 12.49%^

     

    ^ Restrictions apply. Call our loan team at (805) 988-2151 ext. 2806 for complete details.

  • Personal Loans
    Type Term

    Rates* as low as

    (Annual Percentage Rate)

    Payment per
    $1000
    Personal Loan
    ($500 - $4,999)
    Up to 36 Months 8.00%^ $31.34

    Personal Loan
    ($5,000 - $7,499)

    37 to 48 Months 8.50%^ $24.65

    Personal Loan
    ($7,500 - $25,000)

    49 to 60 Months 9.00%^ $20.76
    Personal Line of Credit Open Ended 9.00%^

    * APR = Annual Percentage Rate. Rates vary with the amount financed, term and your credit history, and are subject to change without notice. Rates apply to new money loans only. Please contact our Loan Sales Team at (805) 988-2151 ext 2806 for rates on refinancing existing CBC FCU loans.

    ^ Restrictions apply. Call our loan team at (805) 988-2151 ext. 2806 for complete details.

     

  • Secured Loans
    Type Term

    Rates* as low as

    (Annual Percentage Rate)

    Share Secured Less than 2 years 2.00%
    above the dividend rate
    24 to 47 Months 3.00%
    above the dividend rate
    48 to 60 Months 4.00%
    above the dividend rate
    Certificate Secured 3 Months to 5 Years 2.00%
    above the dividend rate

     

    ^ Restrictions apply. Call our loan team at (805) 988-2151 ext. 2806 for complete details.

  • Eco Loans
    Term Loan Amount

    Rates* as low as

    (Annual Percentage Rate)

    60-96 Months $2,500 -$4,999 3.99%
    97-144 Months $5,000 - $9,999 4.99%
    145 -180 Months $10,000 - $50,000 5.99%

    Please contact our Loan Department at (805) 988-2151 or click here for more information. Late payment fee = 5% of payment due or $1.00, whichever is greater with a $50.00 maximum.

    *Rates vary with amount financed, term and your credit history, and are subject to change without notice. Rates apply to new money loans only. Please contact our Loan Sales Team at (805) 988-2151 ext 2806 for rates on refinancing existing CBC FCU loans. Rates last changed August, 1, 2020.

* APR = Annual Percentage Rate. Rates vary with the amount financed, term and your credit history, and are subject to change without notice. Rates apply to new money loans only. Please contact our Loan Sales Team at (805) 988-2151 ext 2806 for rates on refinancing existing CBC FCU loans.

^ Restrictions apply. Call our loan team at (805) 988-2151 ext. 2806 for complete details.