Rates Loan Rates Savings Rates Certificate Rates Vehicle Loan Rates Real Estate Mortgage Rates Loan Calculator with Insurance Options Is 0% Always The Best Deal? You see it in ads everyday..."Come on down and get your car at XYZ Dealership and we'll finance it at 0% interest!" Guess what! You are paying for that "free" loan! You're paying for the 0% financing by giving up the cash rebates and most, if not all, of the purchase discounts. Plus, usually the finance term is shorter. Right now, on any vehicle, Central City is offering rates for 36 months as low as 4.99% APR** and 48-60 months as low as5.99% APR**. Here's an example of how 0% vs. the great 4.99% Central City rate might work:   XYZ Dealership Central City Credit Union Financing 0% for 36 months 4.99% for 36 months Purchase Price $20,000 $17,500 ($20,000 -$2500 rebate) Payments $555.56/month $524.41/month Total Cost $20,000 $18,878.76 You save $1,121.24 with the Central City auto loan! And, on top of everything else, ask us about the possibility of making your loan tax deductible at no cost to you! It doesn't cost anything to talk to a Central City loan officer and let them determine if 0% really is better for you. **Annual Percentage Rate. 10% down payment required. Additional $2000 on CCCU refinances required. Rates subject to change without notice. (36 months @4.99% = $29.97 per $1000; 60 months @ 5.99% = $19.33 per $1000) This credit union is federally insured by the National Credit Union Administration and is an equal housing lender.