Loans              Central City Credit Union offers a variety of loan programs to meet all of your financial needs. We know you'll enjoy CCCU's competitive rates, and your loan request will be handled quickly and confidentially. Contact one of our loan officers today. Home Loans For purchases or refinancing Adjustable or fixed rate Home Equity Line of Credit (HELOC) New and Used Automobile and Truck Loans Boat and Recreational Vehicle Loans Overdraft Kwik Cash VisaŽ and MasterCardŽ Credit Cards Second Mortgage Loans Make home improvements Possible tax deduction may apply Student Loans Savings or Certificate Secured Loans Unsecured Personal Loans TAC-L (Tax Advantage Consumer Loans) Vehicle, boat or RV secured loans that may qualify for interest deductibility. There are several ways to apply for a loan. You can apply for a loan onlinea, or call 715-387-3702 and make an appointment with a loan officer. aOnline loans - home loans, second mortgages and student loans excluded   Overdraft Kwik Cash Be prepared for those unexpected expenses with a line of credit KWIK CASH loan from Central City at a fixed rate of 16.5% APR. If you have a Sharedraft Checking Account, this line of credit is used to cover overdrafts. If your account is overdrawn, you will automatically be advanced a loan in $100 increments to cover your checks. The total amount advanced is based on the limit that is set when your line of credit is approved. Even if you don't have a Sharedraft Checking Account, you can qualify for a KWIK CASH Account. After your line of credit is approved, you can access your account by stopping in and requesting an advance. Or, you can simply call us, and we'll mail you a check or deposit the money into your Central City account. Apply for a Kwik Cash loan online, call or stop by for an application today! Once approved, the CASH is available - KWIK! Car Facts In the market for a new or used vehicle? Make an informed decision on this major purchase with Central City Credit Union's CAR FACTS program. Just bring us the information on the car or truck you wish to purchase before you make a deal at the car dealership. We will give you a computer printout with the cost of the new vehicle or the NADA value of the used vehicle you choose. Then go to the car dealer and negotiate an even better price! Of course, we'd like the opportunity to finance your next vehicle purchase. Even if we don't, we feel you, as a Central City Credit Union member, have the right to know what is a fair price to pay. You can drive a better bargain on your next car with Car Facts from Central City Apply for an auto loan online or stop in and talk to a loan officer. Student Loans Central City Credit Union offers Stafford and Plus student loans through Great Lakes Higher Education Corporation. Stafford student loans may be subsidized or unsubsidized. A subsidized loan means that the government will pay the interest while the student is in school. An unsubsidized Stafford loan requires the student to pay the interest while in school or they may choose to have it capitalized or added back onto the loan. Plus loans are loans parents take out to help the student finance their higher education. Payment on a Plus loan starts one month after disbursement of the loan proceeds. The application process has been streamlined for both loan types, making it easier to finance your higher education. TACL Loans Looking to purchase or refinance a car or truck? Would you like the advantage of having the interest tax deductible? A TACL (Tax Advantage Consumer Loan) allows homeowners to put a mortgage on their home as additional collateral on an already fully secured vehicle loan in order to make the interest potentially tax deductible. Take advantage of being a homeowner. Call today to see if you qualify for this type of loan. Central City Credit Union is federally insured by the National Credit Union Administration.