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During this extraordinary time, focus on what’s most important by reducing the strain on your budget and keeping more money in your wallet with a City & County financial solution that fits your needs.
SKIP-A-PAY | Stop the Stress of Payments
Reduce the stress on your monthly budget by skipping an existing City & County monthly auto, recreational, personal, fixed home equity loan or credit card payment. Call us at (651) 225-2700 to get started.
RELIEF LOAN | Get Money Fast
Get the money you need now with a low-rate Relief Loan. Borrow up to $3,000 with rates as low as 3.99% APR and terms up to 24 months. Apply online and select ‘Relief Loan’ within our online application or call (651) 225-2700 for more details.
Apply Relief Loan
LOW-RATE REFINANCE | Small Changes Add Up
Refinance your loans with City & County to lower your monthly payment, lock in a low rate and pick a term that works for you. Apply online, call us at (651) 225-2700 or calculate savings with our free online calculators.
To qualify, your City & County loan must be in good standing. Requests must be received at least 10 business days prior to payment due date. Not applicable to first mortgages, home equity lines of credit, checking lines of credit, or single pay notes. Credit card must be open and in good standing. If your payment comes directly from one of your CCCU deposit accounts, dollars will remain in your account. If you have automatic payment from another financial institution, you will need to stop your payment with the originating financial institution. Interest will continue to accrue on your principal balance and regular payments will resume in the following month. Only one $0 skip a payment allowed during emergency COVID-19 period. Other restrictions may apply. Subject to approval.
APR = Annual Percentage Rate. Rates effective 3/17/2020. Offer valid through emergency COVID-19 period and subject to change without notice. Actual rate based on applicant’s credit qualifications and loan terms. Terms only up to 24 months. Monthly payment per $1,000 for 24 months at 3.99% APR is $43.43. Valid for new loans only. Some exceptions may apply. Call us for complete details. Insured by NCUA.
Refinance your auto loan with City & County Credit Union to lower your rate and increase overall savings over the life of your loan..
PLUS - Borrow up to $4,000 more than you currently owe & spend the funds however you want.
APR = Annual Percentage Rate. Cannot use loan proceeds to pay off a CCCU loan. Rate can vary based on term and creditworthiness, and is subject to change. Rate presented for model years 2019 and newer. A loan of $25,000 for a term of 60 months at 3.24% APR results in 59 payments of $451.91 and a final payment of $451.89. Comparison is for illustrative purposes only, results may vary depending on your individual circumstances. Source for comparison: Bankrate.com as of 1/15/2020. Vehicle Value must support loan amount.
Whether you want to lower your rate or change your term, refinance with CCCU to get more from your mortgage.
15 Year Mortgage Refinance with rates as low as 3.64% APR and only $999 in total closing costs.
Find your reasons to refinance
TIP - Bundle your mortgage refinance with a Lockable HELOC and save on closing costs!
APR = Annual Percentage Rate. Closing cost offer for mortgage refinances only. Appraisal fee will vary and is the responsibility of the applicant if the loan is not consummated. Total savings may vary. Payments do not include applicable taxes and insurance, so actual obligation will be greater. $999 closing cost offer good for loans up to $200,000. Loans above $200,000 up to $510,400 closing cost is $1,250. Rates effective 02/03/2020 and can change daily. Payment example: A $100,000 mortgage rate of 3.49% for 15 years would have a principal and interest payment of $714.49. Assuming 80% Loan to Value, the resulting APR would be 3.64%. New Money Only. Minimum loan amount of $25,000.
With a Lockable HELOC, make life's biggest moments possible & be prepared for any life event without tapping into your savings.
This product begins as a variable rate line of credit, but has the unique ability to split-off into as many as 3 fixed-rate loans. Whether you want to remodel your home, plan a vacation or create a college fund, the Lockable HELOC is designed for you.
1.99% APR for 6 months, then rate adjusts to HELOC rate currently as low as 5.00% APR.
PLUS - NO CLOSING COSTS
APR=Annual Percentage Rate. The Lockable HELOC has both variable and fixed rate advance options. $50 fee to lock in rate. Rates subject to change. Variable rates will not exceed 18% APR. Rate presented on a 25-year term and assumes 80% loan-to-value (LTV). Interest rate may vary based on credit, LTV, and amount financed. Closing costs do not include a standard appraisal fee if required to complete loan, the average cost is $475. Cannot use loan proceeds to pay off an existing CCCU loan. Minimum loan amount $10,000, minimum loan amount to convert HELOC to fixed is $5,000. Property insurance required; flood insurance is also required if the property is in a special flood hazard area. Equal Housing Opportunity.
We're so confident that our checking is the best, we've created a challenge just to prove it. Take our 5-Minute Checking Challenge to see how your bank compares to free checking at City & County Credit Union.
If you're still not convinced, we'll pay you $5 - no strings attached!
Age restrictions may apply for ATM/Debit card. eStatements required for iSelect Checking account. Up to $15 in ATM surcharge fees refunded per month, must present valid receipt. Up to two free boxes of checks per year. Not all members are eligible for shared branching. Call City & County for complete details. CCCU deposits are federally insured up to $250,000 by NCUA. Cash-back debit card program subject to change without notice, for complete program details, see Truth in Savings brochure. Cash back rewards must be selected as an option of iSelect Checking.