Loans & Mortgages

CCFCU provides loans for almost any financial need at a fair rate of interest. Rates and repayment periods vary according to the type of loan you need. Check out our handy calculators, also.

Credit Union Loans Are Available for:

  • Home Equity
  • Personal
  • Vacations
  • Mortgage Loans
  • Back to School
  • New and Used Vehicles
  • Share/Savings and Share Certificate Secured
  • Debt Consolidation
  • Consumer Goods
  • New and Used Boats
  • Travel Trailers, Campers, Motorcycles
  • Plus loans for many other needs!

Only members with at least one share ($25) in the credit union can apply for a loan. You can apply at our office, through the mail or by telephone.

Small Loans for Specific Needs

Your car need repair? Wanting to do a small remodel job or maybe you need a little extra cash for that family vacation. Whatever your need, CCFCU is here to help.

Contact your loan officer today!

Home Equity, Mortgage and More

If you are looking to buy or just want to add that new room, CCFCU has the real estate loan you are needing. Our rates are some of the best out there and with low, low closing costs, we make it easy to get into the home of your dreams . . . build that new shop . . . remodel the kitchen or bath . . . whatever your heart desires.

Call Debbie or Susan today for all the details and let them make your next real estate loan simple.
Direct Line 432.550.9126
Download an Application NOW!

Get your motor runnin’…………

It’s easy to do with CCFCU. Regardless of your style, we have a vehicle loan to suit you. We make it fast, easy and convenient. Please call your loan officer TODAY!

Credit Cards

Complex Community Federal Credit Union, VISA, and MasterCard combine to provide you unequaled convenience and affordability for travel, entertainment, shopping and more!

Names like VISA and MasterCard offer security, convenience, and credit privileges. The addition of your credit union gives you expanded purchasing power, at a lower cost than most other credit cards. In fact, there is no annual fee, and you’ll enjoy the benefits of a grace period! Plus, you can use your credit card to get cash advances at hundreds of automated teller machines (ATM’s) throughout the country.

We are now offering online credit card account access. You can check your balance, make a payment or review recent charges!

In order to give our members a choice, CCFCU offers the following credit cards at no annual fee, no minimum finance charge, no transaction fee for purchases, and no transaction fee for cash advances:

If you are having trouble building or rebuilding your credit, you may also apply for a secured VISA or MasterCard at the same low credit union rates. Just pledge a minimum of $300 to your credit card, and begin rebuilding your credit immediately.

For a complete disclosure and application mailed directly to you, contact the credit union at 432.550.9126 or email us OR CLICK HERE TO DOWNLOAD

Rates Effective 12/01/2013

*APR = Annual Percentage Rate
Rates subject to change without notice.
As Low As Rates = your rate may vary from the state rate and will be determined by your credit history and repayment option.

Loan Type Rate (APR*)
New & Used Vheicles, RVs, Watercraft and Misc. Collateral Items As low as 2.9%
Personal Loan As low as 8.95%
Share Secured Share Certificates Rate + 2%
Money Market Secured 4.00%
Home Equity Loans See Your Loan Officer
Stock Secured (75% of Market Value) 10.00%
First Mortgage See Your Loan Officer


Making your season a little brighter….

We know what makes things easier! We can’t pay your bills, but we can help out with our Skip-A-Pay program. Skip-A-Pay allows qualified members to skip one month’s payment on your credit union loan(s).

Along with helping our members, we also want to help you help organizations in our community that are making a difference. It’s simple. For a small contribution of $10 per loan for one month of deferment, CCFCU will defer your loan payment and will use the contribution to help local organizations that are positively impacting our community.

To defer your payment, complete the application and drop it by one of the branches, fax it to 432.550.9128 or mail it to us. We will process the applications immediately and you’ll be one step closer to a your goals season!

Apply Now!

Please note: Excludes mortgages, real estate and home equity loans. Loans where the member is receiving credit disability claims are also excluded. Interest will continue to accrue on all outstanding loan balances. All loans must be current and all payments must have been paid on time in 2011 and 2012. Your payroll deduction will not be interrupted; funds will remain in your account for your withdrawal. On new loans, at least six full payments must have been made to take advantage of payment deferral. Participating in the Skip-A-Pay program will extend your loan terms and can effect future GAP claims.