Love your car, but want to trade in your interest rate? If your loan is with another financial institution, consider refinancing at CommunityAmerica. We may be able to get you a better rate, lower your payment and bulk up your potential share of our Profit Payout2.
We want that first car purchase excitement to last much longer than that fresh new car scent. Which is why we’re here to help first-time buyers have a hassle-free financing experience, and get a great rate, too. Here are the details:
Must be 18 years or older
$2,500 minimum and a $15,000 maximum loan amount
Will need to provide proof of income
Must have no credit or limited credit experience with no derogatory history
The CommunityAmerica Insurance Agency can help you find the right auto insurance3. Whether you’re looking for liability or full coverage, our knowledgeable agents will work with you to find the best policy at a reasonable price.
I’ve recently had to venture out on my own and needed to buy a car, and because my check deposit goes here, I decided to go with them for my loan. Now I have a Checking and Savings account, and I just earned $150.00 back on purchases I’ve made. WOOT WOOT! How exciting! Thank you CACU!
CommunityAmerica is all free accounts and they literally pay you once a year just to have stuff open with them. Not to mention the lowest interest rates on vehicle loans. There is zero reason why you shouldn’t switch to them.
I have been a customer at CommunityAmerica for over 10 years. I love the friendly service. Even in a large city the people are still as friendly as those in the country. It is refreshing to not be just an account number. I have financed three cars through CommunityAmerica and the “paperwork” was done over the phone!!! Who does that? I highly recommend CACU!
We share our profit with our members.
As a not-for-profit credit union, we return our profit to those who bank with us in many ways—like better rates, lower fees and our Profit Payout2. This year we gave back a record-breaking $9 million to our members. It’s all part of how we make the unbelievable happen.
Financing through your trusted financial institution while at the dealership is really the best of both worlds. Another option is to get pre-approved through your financial institution before you go into the dealership. To shop our trusted local dealers online, go here.
The most common car loan terms are 36, 60, 72 and 84 months. At CommunityAmerica, we may be able to add an extra three months to some of our terms to help lower the monthly payment without impacting your rate.
Auto Loan. Annual Percentage Rate (APR) as low as 3.44% available, subject to credit approval. Programs, offers, rates, terms and conditions are subject to change and expiration without notice and vary based on creditworthiness, qualifications, collateral, and loan terms. This is a limited time offer. Rates effective as of 04/19/22.
Profit Payout. Dividend is discretionary and approved annually by CommunityAmerica’s Board of Directors. Amounts advertised are representative of actual dividends paid in 2022. Dividend is not guaranteed and may vary based on criteria established by CommunityAmerica Credit Union and the total amount allocated by the Board of Directors each year. Not everyone receives a dividend and member must be in good standing and meet other criteria on processing date to qualify. Dividends are reported to IRS and a 1099 form will be issued at year-end. Any applicable taxes are the responsibility of recipient.
Auto Insurance. Insurance products may be sold through CommunityAmerica Insurance Agency, LLC, a wholly owned subsidiary of CommunityAmerica CUSO One, LLC and a licensed insurance agency in Missouri and Kansas. Insurance products:
Are Not Federally Insured
Involve Investment Risk
May Lose Value
Are Not Obligations or Guaranteed by the Credit Union
Cashback Free Checking. Earn 1% cash back, up to $5 per month, on monthly point-of-sale debit card transactions posted to a Cashback Checking account when ‘Qualifications for cash back’ are met. Qualifications must be met under a single membership account on the day before the last day of the month to receive benefits for that same month. Cash back will be deposited into the Cashback Free Checking account by the 5th calendar day following the month qualifications are met. Cash back will not be calculated for month(s) in which the qualifications are not met. Cash back earnings rate accurate as of 04/07/2021 and may change without notice after account opening. Contact us at 800.892.7957 to find out the current cash back rates. This account requires eStatements to avoid conversion to different checking product not eligible for cash back. Limit one Cashback Checking account per membership account number. Business accounts not eligible for this product. Cannot be opened in conjunction with Premier, Interest, Investors, Loan Advantage or Cashback Free Checking. Qualifications for cash back: The membership account number tied to the Cashback Checking account must complete the following: Enrolled in eStatements; Monthly direct deposit of at least $250 posted to one deposit-suffix; 15 posted point-of-sale debit card transactions per month to a single checking-suffix; OR Enrolled in eStatements; 25 posted point-of-sale debit card transactions per month to a single checking-suffix. Transactions exclude refunds, credits, fees, pre-authorizations and ATM transactions.
High Interest Savings. First Tier: 3.92% – 4.00% APY from $1.00 – $1,500, if First Tier qualifications are met. Second Tier: 0.025% APY on $1,500.01 or more, and on balance if First Tier qualifications are not met. The account requires a $1 minimum opening deposit. The Annual Percentage Yield (APY) shown is effective as of 04/07/2021, unless otherwise noted. Rates are variable and may change without notice after the account is opened. Fees could reduce earnings on this account. Balances up to $1,500 will earn first tier APY when ‘Qualifications for cash back’. Each statement period that Qualifications are met after the account opened, the first tier APY will be applied to the next statement period. Due to compounding, interest earned may push balances into next rate tier, causing an APY change. Please see rate page for range. If Qualifications not met, the first tier APY will discontinue and will revert to the credit union’s base rate for Savings accounts until ‘Qualifications for cash back’ are reestablished. Balances of $1,500.01 or more will earn the credit union’s current applicable base rate for Savings accounts. Limit one High Interest Savings account per member. Business, IRA, and Minor accounts not eligible for this product. Qualifications for cash back: The membership account number tied to the High Interest Savings account must complete the following: Enrolled in eStatements; Monthly direct deposit of at least $250 posted to one deposit-suffix; 15 posted point-of-sale debit card transactions per month to a single checking-suffix; OR Enrolled in eStatements; 25 posted point-of-sale debit card transactions per month to a single checking-suffix. Transactions exclude refunds, credits, fees, pre-authorizations and ATM transactions.