(412) 237-3197 808 Ridge Avenue - Jones Hall - Room 217 Pittsburgh, PA 15212. creditunion@ccac.edu Mon. Tues. Thurs. Fri: 9am - 4pm. Wednesday: 9am - 12pm
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Competitive Rates

Rates as of 9/1/2018.
APR = Annual Percentage Rate.
APY = Annual Percentage Yield

Share Secured Rates



Loan Application

Credit Score Credit Loan 12 months 24 months 36 months 48 months
750 or less All tiers 100% 2.99% APR 2.99% APR 2.99% APR 2.99% APR
750 or less All tiers 50.00% 3.99% APR 3.99% APR 3.99% APR 3.99% APR

Personal Loan Rates



Loan Application

Credit Score Credit Loan Max* 12 months 24 months 36 months 48 months
700 - 850 R1 $15,000.00 4.50% APR 5.50% APR 6.50% APR 7.50% APR
650 - 699 R2 $10,000.00 6.50% APR 7.50% APR 8.50% APR 9.50% APR
600 - 649 R3 $8,000.00 9.50% APR 10.50% APR 11.50% APR 12.50% APR
550 - 599 R4 $5,000.00 12.50% APR 13.50% APR 14.50% APR 15.50% APR
549 or less R5 $2,500.00 14.50% APR 15.50% APR 16.50% APR 17.50% APR

*The limit for borrowing is up to twice your monthly income not to exceed $15,000.00 – or – the loan maximum shown in the rate matrix. All combined unsecured loans with CCAC FCU cannot exceed the limit shown in the loan matrix based on borrower’s credit score. Members will be charged a flat fee of $50 when they refinance a signature loan.

New and Used Auto Loan Rates



Loan Application

Matching Outside Auto Loan rates
Are you finding a better auto loan rate with someone outside the Credit Union because of your good credit? WAIT! Before you decide to deal, contact your Credit Union first. Outside rates as low as 1.99% will be matched subject to credit review and approval and proof of financial institution loan agreement.


Credit Score Credit 36 months 48 months 60 months 72 months
700 - 850 R1 2.50% APR 2.75% APR 3.00% APR 3.50% APR
650 - 699 R2 3.25% APR 3.50% APR 3.75% APR 4.25% APR
600 - 649 R3 4.25% APR 4.50% APR 4.75% APR 5.25% APR
550 - 599 R4 7.25% APR 7.50% APR 7.75% APR 8.25% APR
549 or less R5 9.25% APR 9.50% APR 9.75% APR 10.25% APR
Shares may also be pledged as part of the down payment for security of auto loan.

In order to expedite the loan process, you will need to supply the Credit Union with copies of the following documents:

  • Completed Application (Signed and dated)
  • Copy of your current pay stub
  • Copies of other income
  • Copy of the Dealer Sales Agreement
  • Copy of your Driver's License
  • Copy of Proof of Insurance
  • If Private Ownership: year/make/model/VIN

Please return completed application form and document copies to the Credit Union or Campus Representative. Information can also be faxed or sent through interdepartmental mail. Once received, the Credit Committee will review your loan application and you will then be notified of their decision. If you have any questions in the loan application process please feel free to contact us.

Boats and Recreation Vehicles



Loan Application

Credit Score Credit 36 months 48 months 60 months 72 months
700 - 850 R1 3.50% APR 4.00% APR 4.50% APR 5.00% APR
650 - 699 R2 4.25% APR 4.75% APR 5.25% APR 5.75% APR
600 - 649 R3 6.25% APR 6.75% APR 7.25% APR 7.75% APR
550 - 599 R4 10.25% APR 10.75% APR 11.25% APR 11.75% APR
549 or less R5 13.25% APR 13.75% APR 14.25% APR 14.75% APR

Home Equity



Loan Application

The process:
To expedite the process, send us your application (signed and dated), current income statements, appraisal fee per your choice of appraisal, and home owner’s insurance. Based on approval, we will then order the appraisal.

Fixed Rate Home Equity Loans are not limited to home improvements. Get the cash you need for all of your major purchases such as college tuition, bill consolidation, or a new car! Turnaround time to the cash you need takes just a few weeks!

CCAC FCU requires a 1st or 2nd lienholder position. Taxes must be up to date or paid-in-full via proceeds from the home equity loan.

We can finance 80% of your appraised value minus your 1st mortgage balance at a minimum of $10k; maximum of $60k. For example:
Appraised value of home = $100,000.00 x 80% is $80,000.00

Minus 1st Mortgage Balance - $50,000.00

Amount eligible to borrow = $30,000.00

Appraisal Fee Options:
Street View Only = $185.00; Full View (includes inside of home) = $295.00


Fees:
Additional fees for Home Equity Loans apply. Please contact the credit union for more details.

CCAC Federal Credit Union NMLS ID #813259

Darlene Hochendoner NMLS ID #813300

Credit Score 5 Years 10 Years 15 Years
R1 3.75% APR 4.25% APR 4.75% APR
R2 4.25% APR 4.75% APR 5.25% APR
R3 4.75% APR 5.25% APR 5.75% APR
R4 5.25% APR 5.75% APR 6.25% APR
R5 5.75% APR 6.25% APR 6.75% APR

Share Certificate Rates



Term Minimum APY*
6 month $500 .50%
12 month $1,000 .75%
24 month $1,000 1.00%
36 month $1,000 1.25%

Share Savings Rates



Amount APY*
$100 and above .10%