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California Credit Union Personal Loans Overview

Updated 19 Aug 2023

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California Credit Union (CCU) was previously known as the Los Angeles Teachers Credit Union. This state-chartered credit union in Southern California was founded in 1933. As of 2017, it has $3 billion in assets and 24 branches.

Will I be eligible for a CCU personal loan? For information on monthly payment amounts and if you qualify for one, use the CCU personal loans calculator. Find out straight away if it’s the best offer for you.

Personal loans have an annual percentage rate (APR) varying from around 3% to 36% APR. The interest rates you can receive will depend on a range of factors, such as your credit score, income, and debt-to-income ratio. On a loan of $10,000 over 5 years, the cost could vary between $10,781 and $21,680. The interest cost is between $781 and $11,680.

A review of California Credit Union personal loans

California Credit Union offers unsecured personal loans which you can use to fund whatever you need. It can be for debt consolidation, major purchases, and emergency expenses. You can use it to pay for school fees, home renovation, medical bills, and even a wedding or a vacation.

California Credit Union’s loan features

A CCU personal loan can look like this:

Loan amounts: up to $50,000
Loan terms: up to 120 months
Repayment frequency: Monthly
Interest rates: fixed APR from 7.99%
No collateral required

Requirements for a CCU personal loan

To apply for a CCU personal loan, you must first join to become a member. Who can become a member?

If you live or work in selected California counties
If you are a current or retired school employee of selected California counties
If you have a family member who is a CCU member

CCU doesn’t make it clear what the borrower criteria should be; typically, they expect you to:

Be 21 years of age
Be a US resident
Have a steady source of income
Have a good credit standing

When you apply for a CCU personal loan, have these documents ready:

Proof of identity (driver’s license, social security number, other state-issuedIDs)
Proof of US residential address
Proof of employment (paystubs, W-2s and 1099s, employer statement)
Income verification (tax returns, bank statements, annuity statements)

California Credit Union personal loan calculator

Loan amount

Term

Provider

Product Information

EST Monthly
Repayment

Interest
Rate

Repayment
Period

Loan
Amounts

Sort loans by

Loan Amount

$20,000

Term

3 months

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California Credit Union personal loans

Estimated Month Repayments

$627 Inclusive of fees

Interest Rate

7.99%
APR

Repayment Period

12 months
to 120 months

Loan Amounts

$1,000
to $50,000

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Featured

Wells Fargo personal loans

Estimated Month Repayments

$606 Inclusive of fees

Interest Rate

5.74%
APR

Repayment Period

12 months
to 84 months

Loan Amounts

$3,000
to $10,000

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Checking and savings accounts and credit cards for your everyday business expenses and cash management.

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Eastman Credit Union personal loans (Shared Secured Personal Loan)

Estimated Month Repayments

$848 Inclusive of fees

Interest Rate

29.90%
APR

Repayment Period

12 months
to 12 months

Loan Amounts

$1,000
to $20,000

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

Pros and cons of taking out a CCU loan

Pros

Small and large loan amounts
Flexible loan terms
Fixed and competitive interest rates

Cons

Not available for non-members
No information on origination fees or prepayment penalties
No secured loan options

Frequently asked questions

What can I use CCU personal loans for?

You can use the funds to help you cover whatever you need. You can use it to make big purchases, fund emergency expenses, or consolidate higher interest rate debts.

What are the minimum and maximum loan amounts that California Credit Union offers?

California Credit Union offers financing up to $50,000.

What is the maximum period to repay a CCU personal loan?

Repayment terms for a CCU personal loan is up to 120 months.

Do I need to provide collateral when taking out a loan from CCU?

No, collateral is not needed when applying for a CCU personal loan.

What is the interest rate on a personal loan from California Credit Union?

Rates for CCU loans can be as low as 7.99%. Final APR will be based on your creditworthiness.

California Credit Union Personal Loans Overview