Loans

We have a variety of loans available for every need. Before you go elsewhere for your financing needs, check with CCATCU first! We offer flexible terms and low competitive interest rates and no penalty for early pay off.The Credit Union also offers credit life and disability insurance, GAP insurance, as well as mechanical breakdown insurance . These features help protect you from the unexpected and offer greater peace of mind.

CCATCU offers the following loan types:

Ø Credit Card – Don’t be fooled by teaser introductory rates you receive in the mail! We offer a low, fixed interest rate on our Platinum Preferred VISA Card. You can also earn ScoreCard Rewards on your purchases!

Ø Secured Platinum Preferred VISA Card – Are you trying to establish your credit? Have you recently been denied credit? Then this may be the card for you! We offer Secured Platinum Preferred VISA Cards at a reasonable rate. Qualifying is typically easier than a regular credit card because your deposit is your credit limit (minimum $500).

Ø New and Used Vehicles – Most lenders offer a lower rate on brand new vehicles. At CCATCU, your interest rate is based on the term of the loan. We offer simple interest competitive rates on new AND used vehicles. In addition, credit life and disability insurance; may be included, as well as mechanical breakdown insurance.

Ø Signature/Personal – Whether you need extra cash for back to school, holiday shopping, car repairs or unexpected expenses, a personal loan from CCATCU can keep you on track. Click here for rates and terms.

Ø Furniture – Reasonable rates and terms available on loans for household goods, including computers and appliances.

Ø Recreational Items – Thinking about a boat, RV or camper? Consider CCATCU for your financing. Financing available on new and used items! Click here for rates and terms available.

Ø Share Secured – CCATCU offers share secured, PIA secured, and CD secured loans. Easy qualifying since you are borrowing against your own funds on deposit. Consider our program when shopping for the lowest rate available!

Ø Home Equity – Need money for home repairs, vacation, education or to pay off some of those high interest credit cards? Maybe a home equity loan is what you’re looking for. Click here for more information on our home equity program.

Ø First Mortgage (limited to Homestead) – Considering purchasing a new home or refinancing your existing mortgage? Click here for more information.

For more information, please contact the Loan Department at (361) 985-6010 or e-mail us at loandept@ccatcu.com.

(You must be a member of CCATCU to apply for a loan. Loan approval is based on ability to repay, creditworthiness, and collateral. Some restrictions may apply.)

Student Loans - Paying for College the Smart Way

Coastal Community And Teachers Credit Union is proud to announce a new student loan opportunity. This loan is available to our member attending college, members with children attending college, as well as member’s family members.

As college tuition costs continue to rise, more students are in need of private student loans to help fund the gap between financial aid and college expenses. With the Smart Option Student Loan® from Sallie Mae® in partnership with Coastal Community And Teachers Credit Union, you can choose from three in-school repayment options to help you pay off your loan faster and save money compared to the conventional private loan. By offering interest rates among the lowest in the country, the Smart Option Student Loan enables you to choose to make payments while in school and graduate with less loan debt or defer your payments and enjoy more flexibility while in school.

Interest Repayment Option –Take advantage of a shorter loan term and maximum savings on your total loan cost.
Fixed Repayment Option- Pay a small fixed monthly payment while in school to take advantage of a shorter repayment term and save on your total loan cost.
Deferred Repayment Option- Defer payments until after school, or pay as much as you want while in school, to enjoy maximum flexibility while still paying off faster than the conventional private education loan.

Features and benefits of the Smart Option Student Loan® include:

Interest rates among the lowest in the nation
Borrow up to 100% of school-certified education costs (minimum $1,000)
Rewards for on-time payments and automatic payment plans
Applying with a creditworthy cosigner may help applicants qualify and receive a lower rate
Fast online application
No prepayment penalty
No application or disbursement fees

Seeking higher education is an exciting and valuable experience, and we want to help make it happen. Together we can do this. Find resources for navigating the college application process, learn more about the Smart Option Student Loan, and apply at: http://www.salliemae.com/smartoption/ccatcu.

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