Rates

Rates effective as of 1/01/14and are subject to change

 

Loan Type

Annual Percentage Rate

Notes

New Auto/Truck Loan

2.24%* to 6.24%*

Fixed rate, terms up to 84 months on vehicles with no more than 12,000 miles.

Used Auto/Truck Loan

3.24* to 7.24%*

Fixed rate, terms up to 72 months on vehicles up to 7 years old.

Older Model Auto/Truck Loan

6.00%* to 10.00%*

Fixed rate, terms up to 36 months on vehicles over 7 years old, low NADA value.

Recreational Vehicle Loan

3.99%* to 7.99%*

Fixed rate, terms up to 60 months on loan balances under $10,000. Models up to 15 years old.

Recreational Vehicle Loan

4.99%* to 8.99%*

Fixed rate, terms up to 180 months on loan balances over $10,000. Models up to 15 years old.

Personal Loans

10.15%* to 14.15%*

Fixed rate, terms up to 36 months. Maximum loan rate amount 2 times monthly gross income. 

Overdraft Line of Credit

15.00%

Fixed rate. Maximum loan amount $500.00.

Visa Card

7.25%

May qualify for up to 2 times gross income.

Certificate Secured Loans

1.75%* to 3.25%*

Fixed rate, terms up to 10 years.

Share Secured Loans

3.20%*

Fixed rate, up to 60 month term. 

1st & Second Mortgage Loans

 

Contact the loan department for rates and terms.

 

 

* Rates & Term: The interest rate, term, and down payment on each loan are based on the creditworthiness of each individual borrower.

 

 

CFCU rates and terms are subject to change without notice. The information listed is effective as of 1/1/2014

 

 

         For more information call (888) 901 2328

*APR = Annual Percentage Rate

 

Savings

Minimum Balance

Dividend Rate

APY*

Regular Share Savings**

20.00

0.20

0.20

All Kid's Club Accounts**

5.00

0.20

0.20

Holiday Club Account**

5.00

0.20

0.20

 
IRA Share Savings**

5.00

0.50

0.50

 
Super Saver Share Account (min. $2,500 to open)

5.00

0.20

0.20

2,500.00

0.25

0.25

5,000.00

0.30

0.30

 

25,000.00

0.35

0.35

*APY = Annual Percentage Yield

Certificates

Minimum Deposit

Term

Dividend Rate

APY*

Share Certificate

500.00

6 months

0.45

0.45

500.00

12 months

0.55

0.55

500.00

18 months

0.65

0.65

 

500.00

24 months

0.75

0.75

 
Bump Rate Certificate                     

  500.00

36 Months

0.75 

   0.75

Super Share Certificate

50,000.00

6 months

0.55

0.55

50,000.00

12 months

0.65

0.65

50,000.00

18 months

0.75

0.75

50,000.00

24 months

0.85

0.85

 
IRA Share Certificate

2,000.00

18 months

0.75

0.75

2,000.00

36 months

0.85

0.85

2,000.00

48 months

0.95

0.95

2,000.00

60 months

1.05

1.05

*APY = Annual Percentage Yield

 Checking

Minimum Balance

Dividend Rate

APY*

Share Draft Checking

500.00

0.10

0.10

*APY = Annual Percentage Yield


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