Auto
Auto Loans
Up to $150,000Drive off the lot this week. Finance new or pre-owned vehicles across the islands with island-wide dealer partners.
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Serving 12 Caribbean nations
Big money.
Island terms.
Auto, mortgage and high-value personal loans built for Caribbean life. A flat 0.04% per day — no hidden fees, no mainland runaround.
0.04%
Daily rate
24 hr
Approval time
$2.4B
Loans funded
Regulated & Insured
Chartered banking partner
12 Caribbean Nations
One member account
24-Hour Approvals
Decisions in one business day
Multi-Currency
USD · XCD · JMD · TTD · BBD
Interbank Network
Connected to every major
Caribbean bank.
Fund your CCU loan straight into any account across the region. Fully integrated with the twelve institutions that move Caribbean money.
NCB
National Commercial Bank
Jamaica
RB
Republic Bank
T&T · Guyana · Barbados
SC
Scotiabank Caribbean
Regional
RBC
RBC Royal Bank
Regional
CIBC
CIBC FirstCaribbean
Regional
FCB
First Citizens Bank
Trinidad & Tobago
SAG
Sagicor Bank
Jamaica · Barbados
JMMB
JMMB Bank
Jamaica · T&T
JN
JN Bank
Jamaica
BNS
Bank of Nova Scotia
Regional
CB
Commonwealth Bank
Bahamas
BB
Belize Bank
Belize
SWIFT & ACH settlement CARICOM compliant Direct wire to any partner bank
— Our Loans
Finance the life
you're building.
From your first car to your family estate — every CCU loan carries the same flat daily rate and zero surprise fees.
Mortgage
Home & Mortgage
Up to 25 yearsFirst-time buyers, refinancing, or building on family land — mortgages structured for Caribbean homeownership.
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Premier
High-End Loans
$500K – $10MYachts, land acquisition, business expansion, luxury property. Private banking terms for high-net-worth members.
Explore terms— Loan Calculator
A flat 0.04%
per day.
No compounding tricks. No teaser rates. Move both sliders — you'll see exactly what you owe, to the dollar.
- 0.04% simple daily interest on principal
- Zero origination or early-payoff fees
- Disbursement in USD, XCD, JMD, TTD, BBD
$50,000
$5K$1M
180 days
1 mo5 yrs
Daily interest
$20
Total interest
$3,600
Total repay
$53,600
— Why CCU
Built by Caribbean people,
for Caribbean people.
24-Hour Decisions
Apply today, get a decision by tomorrow. No paper chase, no mainland delay.
Fully Regulated
Chartered under Caribbean central banking authority. Deposits and loans insured.
Cross-Island
Bank in Jamaica, own property in St. Lucia, buy a car in Trinidad. One member number.
Flat Rate Forever
0.04% daily on principal. Never resets, never balloons, never compounds.
— Regions
Twelve nations.
One credit union.
Whether you're in Kingston, Bridgetown, or Port of Spain — CCU has boots on the ground and paperwork already localised for your jurisdiction.
JamaicaTrinidad & TobagoBarbadosBahamasGuyanaSt. LuciaGrenadaAntiguaDominicaSt. KittsSt. VincentBelize
— Members
Trusted across
the archipelago.
4.9 · 12,400 members
"CCU funded our beachfront resort expansion in 11 days. Every other lender wanted 3 months of paperwork."
Marcus Chen
Managing Director, Blue Horizon Resorts
Barbados
"The flat daily rate is exactly what it says. I've refinanced twice — same rate, same terms, no surprises."
Aaliyah Thompson
Homeowner
Kingston, Jamaica
"As a T&T business owner buying property in St. Lucia, CCU was the only lender that handled it as one file."
Devon Ramnarine
CEO, Ramnarine Logistics
Port of Spain
$2.4B
Funded since 1974
12,400+
Active members
24 hr
Median approval
12
Nations served
Your next chapter
deserves capital.
Start your application in under three minutes. A CCU banker will call you within the hour.