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Christian Community Credit Union Personal Loans Overview

Updated 19 August 2023

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Christian Community Credit Union was established in 1957 in Southern California. It was formerly known as the American Baptist Ministers Credit Union. As of 2022, CCCU has more than $880 million in assets.

Is a CCCU personal loan right for you? Use the Christian Community Credit Union personal loans calculator to estimate your monthly repayment. Find out about the features, fees, and rates of their personal loans today. Compare with other lenders and get the best deal 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.

An overview of Christian Community Credit Union personal loans

Christian Community Credit Union has the financing options to carry you through any stage of life. With its personal loan products, you can proceed with a home improvement project, pay for medical bills, or fund your kids’ school fees. Use the money to realize a dream wedding, improve your credit score, or pay off higher-rate debts.

CCCU personal loan features

Here is a brief overview of the key features and benefits of CCCU personal loans:

Loan amounts: $10,000 to $50,000
Loan terms: up to 60 months
Loan fees: no origination fees; no prepayment penalties
Repayment frequency: fixed monthly payments
Interest rates: 8.65%-23.65% APR for automatic payments; 8.90%-23.90% APR without automatic payments
Required credit score: 600-850
Loan flexibility: Get pre-approved in 90 seconds without credit impact

Requirements for a CCCU personal loan

Before applying for a CCCU personal loan, you have to become a member. You can join if you are:

A family member of a CCCU member
Affiliated with a Christian church, ministry, or school
A member of their charity partner, Christian Alliance for Orphans (CAFO)

Christian Community 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

Change

Christian Community Credit Union personal loans (MyAdvantage Personal Loan)

Estimated Month Repayments

$596 Inclusive of fees

Interest Rate

4.65%
APR

Repayment Period

12 months
to 60 months

Loan Amounts

$2,500
to $50,000

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Get the money you need with the MyAdvantage Loan. A LOW-RATE, fixed-term personal loan with ZERO fees, you can use it to consolidate debt, make home repairs, pay medical bills, and more!

Christian Community Credit Union personal loans (Personal Credit Line)

Estimated Month Repayments

$629 Inclusive of fees

Interest Rate

8.25%
APR

Repayment Period

12 months
to 60 months

Loan Amounts

$1,000
to $20,000

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Get the money you need with the MyAdvantage Loan. A LOW-RATE, fixed-term personal loan with ZERO fees, you can use it to consolidate debt, make home repairs, pay medical bills, and more!

Christian Community Credit Union personal loans (Fresh Start Loan)

Estimated Month Repayments

$754 Inclusive of fees

Interest Rate

21.00%
APR

Repayment Period

12 months
to 60 months

Loan Amounts

$5,000
to $25,000

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Get the money you need with the MyAdvantage Loan. A LOW-RATE, fixed-term personal loan with ZERO fees, you can use it to consolidate debt, make home repairs, pay medical bills, and more!

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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 a CCCU personal loan

Pros

Wide variety of loan amounts available
Flexible repayment terms
No application or origination fees
No prepayment penalties
Lower rates for borrowers with higher credit scores
0.25% discount for members using automatic payments

Cons

Non-members cannot apply
Loan cannot be used to repay existing CCCU loans
Higher rates for borrowers with lower credit scores

Frequently asked questions

How much can you borrow from a CCCU personal loan?

You can borrow a minimum amount of $10,000 and a maximum amount of $50,000.

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

You have the option to repay the full amount over 5 years (60 months).

Do CCCU personal loans have an application or origination fee?

No, there is none. CCCU personal loans have zero application or origination fees.

Will I be penalized for early repayment of my CCCU personal loan?

No, you won’t be. You can repay the full amount in advance without being charged any prepayment penalties.

How frequently should I make payments for my CCCU personal loan?

If approved, you have to pay a fixed monthly fee for your CCCU personal loan.

What is the interest rate on a CCCU personal loan?

If you choose automatic payments for your CCCU personal loan, rates can range from 8.65% to 23.65%.

Christian Community Credit Union Personal Loans Overview