At a glance
From its website, read 2 Nov 2026Latino Community Credit Union is a credit union based in Durham, North Carolina. Its website describes auto loans, home mortgages and personal loans. Stated loan amounts run up to $1M. Consumer loan APRs stated on its site range from 7% to 15%. It says it considers borrowers with low or no credit history.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (919) 595-1800 source |
|---|---|
| Website | www.latinoccu.org |
| Office (official list) | P.O. Box 14647, Durham, NC 27709 |
What their website says about applying
Provide proof of income
sourceLast two months complete bank statements for deposit accounts.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Auto / vehicle loans | Rate: from 7% APR | Auto Loans > From 7.00% APR | source |
| Home mortgages | Rate: from 8% APR | Mortgages > From 8.00% APR | source |
| Personal / consumer loans | Rate: from 15% APR | Personal Loans > From 15.00% APR | source |
| Personal / consumer loans | Term: 6 mo–4 yr | Minimum term of 6 months; maximum of 48 months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Membership required
Be a Latino Credit Union member
source - No or thin credit history considered
Affordable loans available without credit history
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 17 Sep 2013 |
| RSSD ID | 2915845 |
| Address | P.O. Box 14647, Durham, NC 27709 Directions to the main office (Google Maps) |
| Website | www.latinoccu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Auto and mortgage pages give rates or terms but few loan amounts; no online loan application link was found. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | With low fees and competitive rates, we can get you on the road today! | source |
| Home mortgages | from $40,000 | Minimum Loan amount $40,000 | source |
| Personal / consumer loans | up to $20,000 | Maximum loan amount: $20,000 for individual or joint applicants | source |
Loan sizes
Maximum loan amount: $20,000 for individual or joint applicants
sourceMinimum Loan amount $40,000
sourceMaximum loan amount of $1,000,000 depending on Occupancy and Product chosen.
source
Range used for the size filter: not stated to $1M
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://latinoccu.org/
- https://latinoccu.org/products-and-services/loans-credit/mortgages/
- https://latinoccu.org/products-and-services/loans-credit/auto-loans/
- https://latinoccu.org/products-and-services/loans-credit/personal-loans/
- https://latinoccu.org/products-and-services/loans-credit/mortgages/new-mortgage/
- https://latinoccu.org/products-and-services/loans-credit/mortgages/refinance-loans/
- https://latinoccu.org/products-and-services/loans-credit/mortgages/home-equity-loans/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - Is there a minimum loan amount?
Their website gives a maximum ($1M) but no minimum. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$23.9 million in 21 awards from the U.S. Treasury's CDFI Fund, 2000–2024 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $900,000 |
| 2022 | CDFI Equitable Recovery Program | $3,718,258 |
| 2022 | CDFI Program, Financial Assistance | $660,000 |
| 2021 | CDFI Program, Financial Assistance | $690,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2019 | CDFI Program, Financial Assistance | $714,000 |
| 2017 | CDFI Program, Financial Assistance | $916,905 |
| 2015 | CDFI Program, Financial Assistance | $1,750,000 |
| 2014 | CDFI Program, Financial Assistance | $1,750,000 |
| 2013 | CDFI Program, Financial Assistance | $1,347,000 |
| 2012 | CDFI Program, Financial Assistance | $1,453,806 |
| 2011 | CDFI Program, Financial Assistance | $1,500,000 |
| 2010 | CDFI Program, Financial Assistance | $750,000 |
| 2009 | CDFI Program, Financial Assistance | $2,000,000 |
| 2008 | CDFI Program, Financial Assistance | $1,000,000 |
| 2007 | CDFI Program, Financial Assistance | $860,000 |
| 2006 | CDFI Program, Financial Assistance | $585,000 |
| 2003 | CDFI Program, Financial Assistance | $700,000 |
| 2002 | CDFI Program, Financial Assistance | $520,000 |
| 2001 | CDFI Program, Technical Assistance | $191,500 |
| 2000 | CDFI Program, Technical Assistance | $61,000 |
Emergency Capital Investment Program (ECIP)
Treasury invested $99.4 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI & MDI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as LATINO COMMUNITY (charter 68430). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $1 billion (as of 30 Jun 2026) |
|---|---|
| Members | 124,269 (as of 30 Jun 2026) |
| Offices | 16 (as of 30 Jun 2026) |
Offices by state and county (16)
North Carolina (16 offices)
- Cumberland County (1): 121 Bonanza Dr, Fayetteville 28303
- Durham County (3): 6 Moore Dr, Durham 27703 (main office); 100 W Morgan St, Durham 27701; 4251 N Roxboro St, Durham 27704
- Forsyth County (1): 1608 S Stratford Rd, Winston Salem 27103
- Guilford County (3): 106 Muirs Chapel Rd, Greensboro 27410; 3825 Gate City Blvd, Greensboro 27407; 2305 Westchester Dr, High Point 27262
- Mecklenburg County (4): 2510 Vista Dr, Charlotte 28212; 3130 Milton Rd, Charlotte 28215; 5910 South Blvd, Charlotte 28217; 8601 University City Blvd, Charlotte 28213
- Orange County (1): 104 Nc 54 Ste Kk, Carrboro 27510
- Union County (1): 2980 Monroe Way, Monroe 28110
- Wake County (2): 4418 Fayetteville Rd, Raleigh 27603; 4730 Capital Blvd, Raleigh 27604
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Latino Community Credit Union (NCUA charter 68430, filed as “LATINO COMMUNITY”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $870.9 million, 45,910 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 2.0% from $853.9 million on 30 Jun 2025 |
| Members | 124,269 (as of 30 Jun 2026); 130,054 (as of 30 Jun 2025) |
| Loans per member | $7,008 (total loans divided by members, 30 Jun 2026) |
| Total assets | $1.04 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $38.2 million | 4.4% |
| Used vehicle loans | $131.3 million | 15.1% |
| First-lien home mortgages (1-4 family) | $667 million | 76.6% |
| Other real estate loans (junior liens, other) | $14.3 million | 1.6% |
| Credit cards | $9 million | 1.0% |
| Other unsecured loans | $9.5 million | 1.1% |
| Leases and other secured loans | $1.6 million | 0.2% |
None reported on the 30 Jun 2026 report: commercial (business) loans.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Latino Community Credit Union reported 334 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $71.1M (median loan about $205,000). 288 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 288 | 86% |
| Refinance (incl. 34 cash-out) | 39 | 12% |
| Home improvement | 6 | 1.8% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 334 | 100% |
Included above: 22 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 57 counties with at least one; 96% of its 2025 loans were for properties in North Carolina:
- Forsyth County, NC (43)
- Guilford County, NC (35)
- Mecklenburg County, NC (30)
- Wake County, NC (27)
- Durham County, NC (20)
- Gaston County, NC (20)
- Johnston County, NC (17)
- Alamance County, NC (13)
Filed under LEI 549300GOPH3KDGIKIU33 as “Latino Community Credit Union”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $1M | Other credit unions whose website states a maximum: median $60,000. Higher than the stated maximum of 94% of these 64. |
| Total assets (Call Report, 30 Jun 2026) | $1.04 billion | Larger than 56% of the 9 other certified credit unions in North Carolina (median $131.1 million). |
| Loans as a share of assets | 84% | Median of the same 9 credit unions: 68%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $853.9 million → $870.9 million (+2%) | Median change of 9 other certified credit unions in North Carolina: +2%. Rank by loans held among these 10: 4 → 4. |
| Home loans originated in 2025 (HMDA) | 334 | More than 79% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other credit unions stating a maximum, nationwide | 64 | higher than 94% |
| Call Report total assets | other certified credit unions in North Carolina | 9 | larger than 56% |
| Loans held then vs now | certified credit unions in North Carolina reporting both dates | 9 | rank 4 → 4 of 10 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 79% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Durham and North Carolina
- Institute Capital, Inc.Loan fund · Durham, NCAffordable housing development loans, Small-business loansVerified
- Mechanics and Farmers BankBank or thrift · Durham, NCAuto / vehicle loans, Personal / consumer loans, SBA-backed loans (7(a)/504/Community Advantage)Verified
- SELF-HELP CREDIT UNIONCredit union · Durham, NCOfficial list only
- Self-Help Federal Credit UnionCredit union · Durham, NCVerified
- Self-Help Ventures FundLoan fund · Durham, NCOfficial list only
Work at Latino Community Credit Union? Link to this page
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