Current Promotions


2021 Christmas Loan Promotion

Official Rules

CommonCents Credit Union’s Christmas Loan Offer (Boost Your Holiday Budget with a Christmas Loan) is available November 1, 2021, through December 30, 2021, at 5:00 p.m. CST. Minimum loan amount is $500.00. Maximum loan amount is $2,500.00. Terms and conditions are subject to change without notice.
Must be a member of CommonCents Credit Union (credit union) to receive a loan. Offer subject to credit approval and based on individual creditworthiness. Member must be in good standing. Limit one Christmas loan per member per year. Funds will be distributed directly into member’s account. Loan must be repaid to the credit union within one year (12 months). CommonCents Credit Union is federally insured by NCUA.


Official Rules:  Auto Refinance- 90-day, No Pay

Fuel-up Fridays 

For the Auto Refinance Loan promotion, offered by CommonCents Credit Union (CCCU), beginning at 12:01 a.m. (CST) on October 1, 2021, and ending at 11:59 p.m. (CST) on December 31, 2021. Auto loans must be funded during this time period in order to receive the incentives of this promotion. The promotion includes: interest rates as low as 1.75% APR (APR = Annual Percentage Rate), with no loan payments due for 90 days.  However, the interest will accrue during the 90-day, no pay time period and the interest will be added to the loan. Eligible loans must be of at least $5,000.00 of new money, autos refinanced by CommonCents Credit Union, refinanced from another financial/lending institution.  Credit approval, product participation, member debt ratios, and other restrictions may apply and will determine financing eligibility and financing rates.  Living expenses and work history are also considered when calculating the approval of a loan.  Loan recipients must be a member of CommonCents Credit Union and must be in good standing. All credit union loan programs, rates, terms, and conditions are subject to change at any time and without notice. Loan recipients also have the option to opt-out of the 90-day, no-pay portion of this promotion at the time of loan funding.

Each auto refinance loan recipient will have their name entered into a drawing for a chance to win a $50 gift card. The auto refinance loan must be $5,000.00 or more of new money to qualify to enter the drawing. This contest will begin at 12:01 a.m. (CST) on October 1, 2021, and will end on December 31, 2021, at 11:59 p.m. (CST).  One winner’s name will be selected by random draw each Friday during the loan promotion. During the last week of the giveaway, the winner will randomly be selected on Monday, January 3, 2022. Throughout the giveaway period, the drawing will be held with the entries received between Monday and Thursday each week during the promotion. Recipients of qualifying loans that are funded on Fridays, will have their name entered into the following week’s drawing. Limit one entry per qualifying loan. Entries not selected, in the weekly random drawing, will be carried into the following week(s)- until their name is drawn or until the giveaway ends, whichever occurs first. The odds of winning are dependent upon the number of entries received during the week of the drawing hosted by CCCU.  There is no purchase necessary to enter the drawing. Must be at least 18 years of age to enter drawing. No need to be present to win.  Winners will be contacted by phone by CommonCents Credit Union. Entries may be mailed to: CommonCents Credit Union; Attention: Marketing; P.O. Box 20396; Beaumont, Texas 77720. Employees, Volunteers and Board of Directors and their immediate family members/household members are not eligible to be entered into the drawing for a chance to win. Qualifying entries must be received by CommonCents Credit Union by December 31, 2021. If selected, by choosing to receive prize, gift card recipients give their consent of their name and photo to be published by CommonCents Credit Union’s including but not limited to: CCCU’s social media and printed forms of communication.



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For all collateralized loans, CommonCents Credit Union will match or beat your current loan rate!

*As low as 1.75% APR. (Annual Percentage Rate)