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Contact Us at Loans@CACLFCU.org

Loans

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Signature Loans

Unsecured Loans

Looking for extra cash to pay for car improvements, vacation, cosmetics, or that new Glock?  Apply for an unsecured signature loan today!  Financing available up to $30,000.00

Credit Card

CACL’s Carbon credit card is your rewards card where you can earn 1% cash back and points on every purchase.  Earn points to use towards merchandise and travel through CURewards.  Credit lines available up to $30,000.

Features

  • NO Annual Fee
  • Rates as low as 11.50% Annual Percentage Rate
  • NO Transfer Fees (consolidate your card balances)
  • NO Cash Advance Fee
  • NO Over the Limit Fee
  • New Accounts earn 1.99% Annual Percentage Rate in purchases for first 6 months
  • New Accounts earn $50 if they spend $1500 or more within the first 90 days of account opening
  • New Accounts earn 1.99% Annual Percentage Rate on balance consolidations if a transfer is made
    within the first 12 months of account opening (minimum transfer is $10, maximum is $10,000)

CACL’s Cobalt credit card is your card, when you need it.  It is a no frills, low rate credit card which gives you the buying power when you need it.  Credit lines available up to $30,000.

Features

  • NO Annual Fee
  • Rates as low as 9.50% Annual Percentage Rate
  • NO Transfer Fees (consolidate your card balances)
  • NO Cash Advance Fee
  • NO Over the Limit Fee

CACL Business credit card is for our business membership.  It features a 10.00% Annual Percentage Rate with credit lines up to $30,000.

Auto/Vehicle Loans

New Auto/Vehicle

Looking to buy that new Corvette or Harley?  We’ll finance up to 125% of the sticker price, plus taxes, warranty and other charges on every new automobile, truck, or motorcycle.  Want to make a cross-country trek in a brand new Winnebago?  We can finance up to 100% of the sticker price, plus taxes, warranty and other charges on every new recreational vehicle.

Used Auto/Vehicle

Found a less-than-new automobile, truck, or motorcycle?  We can finance up to 125% of the sticker price, plus taxes, warranty and other charges.  We also have financing on used recreational vehicles up to 100% of the sticker price, plus taxes, warranty and other charges.

Classic Auto/Vehicle

Hit your mid-life crisis and need to buy that 1969 Ford Mustang?  We’ve got a loan for that! We are the only financial institution in the area that will finance your classic (muscle) car purchase.  We’ll finance up to 90% of the appraised value for all vehicles 20+ years or older.

Real Estate Loans

Home Equity Loan

Use the equity you own in your home to pay off credit cards, pay for student loans, or just have a little extra cash.  FInancing available up to 90% of the value of the property.

Home Equity Line of Credit

A variable rate line of credit on the equity you own in your home.  Financing available up to 80% of the value of the property.

Land Loan

We will help you purchase or refinance that beautiful plot of land!  Financing available for up to 70% of your land’s appraised value.

Mortgage

First-time homebuyer or just want to refinance your current Mortgage to save some cash?  We offer competitive rates to help you achieve your goals.  Financing available for up to 100% of your home’s appraised value.

View our NMLS information here.

Student Loans

Private Student Loans

Federal loans not enough to cover the cost of your college education?  The cuScholar Private Student Loan can be the answer to your funding needs.  Apply at https://partner.lendkey.com/caclfcu/student.

Consolidation Loans

A variable rate loan to consolidate your student loans into one monthly payment.  Apply for a cuGrad Student Loan Consolidation at https://partner.lendkey.com/caclfcu/refinance.

Member Business Loans

Member Business Loans

Amazon, Google, and Disney all have humble beginnings by starting in a garage.  While we don’t offer business garage loans (currently), we do offer a wide range of business loans to help you succeed!  Please forward any inquires to our Member Business Loans Department at BusinessLoans@caclfcu.org.

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Loan Calculator
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