Personal Banking

Personal Loans

Financing Solutions to Help With Everyday Life

CCB is here to help our community members thrive by providing the personal loans they need to help them get to work, renovate a room, build credit, or have some fun. As a locally-owned bank, when you apply for a loan with CCB you can be sure to receive personalized guidance, fast decision-making, and efficient processing.


Auto Loans

Let CCB help you turn the key on a new or used car or truck

  • Buy or refinance new or used cars or trucks
  • Affordable payments with flexible terms
  • Minimum down payment may be required
  • Fast decision-making and processing

New Auto Loans

Rates as of 12/2/2022

Amount
Term
Base Rate/APR*
Min. $2,500
36 months
5.500%
Min. $2,500
60 months
5.750%
Min. $2,500
72 months
6.000%
Min. $2,500
120 months
6.250% *AFT Req.

*All interest rates based on 740 or higher credit score.

Rates quoted require automatic payment set up from CCB checking or savings. Add 0.25% if no AFT.

Used Auto Loans / Auto Loan Refinance

Rates as of 12/2/2022

Amount
Term
Base Rate/APR*
Model Year
Min. $2,500
6–60 months
6.500%
2018–22
Min. $2,500
61-72 months
7.250
2018–22
Min. $2,500
6-48 months
7.500%
2016-17
Min. $2,500
6-36 months
8.500%
2014-15

*All interest rates based on 740 or higher credit score.

Rates quoted require automatic payment set up from CCB checking or savings. Add 0.25% if no AFT.

Older vehicles considered on exception basis. Add 0.50%. Max LTV 75%.


Recreational Vehicle (RV) Loans

Helping you fund your fun

  • Great rates on a wide range of recreational vehicles – ATVs, RVs, motorcycles, boats, personal water crafts, and more
  • Affordable payments with flexible terms
  • Minimum down payment may be required
  • Fast decision-making and processing

New Recreational Vehicles

Rates as of 12/2/2022

Amount
Term
Base Rate/APR*
Min. $2,500
36 months
6.500%
Min. $2,500
48 months
6.750%
Min. $2,500
60 months
7.000%

*All interest rates based on 740 or higher credit score / add 2% for 2010-11

Rates quoted require automatic payment set up from CCB checking or savings. Add 0.25% if no AFT.

Refer to SVP, Retail Lending & Community Development for extended terms on Luxury/High End Boats and Recreational options.

Used Recreational Vehicles / Refinance

Rates as of 12/2/2022

Amount
Term
Base Rate/APR*
Model Year
Min. $2,500
36 months
7.250%
2012–22
Min. $2,500
48 months
8.250%
2012–22
Min. $2,500
60 months
9.250%
2012–22

*All interest rates based on 740 or higher credit score / add 2% for 2010-11

Rates quoted require automatic payment set up from CCB checking or savings. Add 0.25% if no AFT.

Refer to SVP, Retail Lending & Community Development for extended terms on Luxury/High End Boats and Recreational options.


Personal Loans

Get the funds you need to make big purchases or pay off debt 

  • Cover costs for a number of needs including home improvements, medical expenses, paying off debt, and more
  • Loans available from $2,500-$15,000
  • Affordable payments with flexible terms – from 6 months to 5 years
  • Fast decision-making and processing

Personal Loan – Real Estate Secured

Rates as of 12/2/2022

Amount
Term
Rate/APR
$2,500–$20,000
6–36 months
7.09%
$5,000–$20,000
37–48 months
7.19%
$5,000–$20,000
49–60 months
7.29%

Loan proceeds must be used for Home Improvements / may be owner occupied or non-owner occupied.

Rates quoted require automatic payment set up from CCB checking or savings. Add 0.25% if no AFT.

Unsecured Personal Loan

Rates as of 12/2/2022

Amount
Term
Base Rate/APR*
$2,500–$7,500
6–36 months
10.000%
$5,000–$15,000
37–48 months
11.000%
$7,500–$15,000
49–60 months
12.000%

*All interest rates based on 740 or higher credit score.

Rates quoted require automatic payment set up from CCB checking or savings. Add 0.25% if no AFT.


Home Improvement Loans

Turn your house into the dream home you’ve always wanted at the right rate

  • Competitive rates for major home improvement projects
  • Repayment terms that accommodate your budget
  • Fast decision-making and processing

Home Improvement Loan – Real Estate Secured

Rates as of 12/2/2022

Amount
Term
APR as low as
$7,500–$20,000
12-36 months
6.89%
$7,500–$20,000
37-60 months
7.09%
$7,500–$20,000
61-120 months
7.29%

Rates quoted require automatic payment set up from CCB checking or savings. Add 0.25% if no AFT.

Loan proceeds must be used for Home Improvements / May be owner occupied or non-own occupied.

Home Improvement Loan – Unsecured

Rates as of 12/2/2022

Amount
Term
Base Rate/APR*
$2,500–$7,500
6–36 months
9.750%
$5,000–$7,500
37–48 months
10.750%
$5,000–$7,500
49–60 months
11.750%

*Rates based on 740 or higher credit score.

Rates quoted require automatic payment set up from CCB checking or savings. Add 0.25% if no AFT.


Overdraft Lines of Credit

  • Protect your personal checking account from costly overdraft fees with a credit line up to $5,000

Overdraft Line of Credit

Rates as of 12/2/2022

Amount
Term
Base Rate/APR
Min. $500
12-36 months
18.00%

Liquid Collateral Loans

Use your savings as collateral to build or rebuild your credit

  • Finance a wide range of purchases
  • Secured savings continue to earn interest
  • Potentially lower interest rates
  • Safe way to build your credit
  • Repayment terms that accommodate your budget
  • Fast decision-making and processing

Calculators

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