Rates

Loan Rates

Loan Rates

Loan Type Annual Percentage Rate Notes
New Auto/Truck Loan 3.24%* to 11.24%* Fixed rate, terms up to 84 months on vehicles with no more than 12,000 miles.
Used Auto/Truck Loan 3.24%* to 11.24%* Fixed rate, terms up to 72 months on vehicles up to 7 years old.
Older Model Auto/Truck Loan 6.25%* to 14.25%* Fixed rate, terms up to 36 months on vehicles over 10 years old, low NADA value.
Recreational Vehicle Loan 4.25%* to 12.25%* Fixed rate, terms up to 60 months on loan balances under $10,000. Models up to 15 years old.
Recreational Vehicle Loan

5.25%* to 13.25%*

Fixed rate, terms up to 180 months on loan balances over $10,000. Models up to 15 years old.
Personal Loans 10.15%* to 15.15%* 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.
Certificate Secured Loans 2.10%* to 3.60% Fixed rate, terms up to 10 years
Share Secured Loans

3.20%

Fixed rate, up to 60-month term. 
1st & 2nd Mortgage Loans and Real Estate Loans  5 to 30 year terms Contact the loan department for rates, terms, and more information. 
Home Improvement Loans 7.25%* to 8.25%* Fixed rate, terms up to 10 years. Maximum loan amount $7,500.
Visa 7.25%* May qualify for up to 2 times gross income. 

* 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 7/1/2018 and is subject to change. For more information call (888) 901 2328

Savings Rates

Savings Rates

Savings Account 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 0.30 0.30
5,000.00 0.35 0.35

25,000.00

50,000.00

0.40

.60

0.40

.60

*APY = Annual Percentage Yield. The information listed is effective as of 7/1/18 and is subject to change. 

Certificate Rates

Certificate Rates

Share Certificate

Minimum Deposit Term Dividend Rate APY*
500.00 6 months 0.80 0.80
500.00 12 months 1.20 1.21
500.00 18 months  1.50 1.50
500.00 24 months 1.80 1.81

Bump Rate Certificate

Minimum Deposit Term Dividend Rate APY*
500.00 36 Months 1.80 1.81

Super Share Certificate

Minimum Deposit Term Dividend Rate APY*
50,000.00 6 months 1.10 1.10
50,000.00 12 months 1.60 1.61
50,000.00 18 months 1.80 1.81
50,000.00 24 months 2.10 2.12

Bump Rate Certificate

Minimum Deposit Term Dividend Rate APY*
50,000.00 36 Months 2.10 2.12

IRA Share Certificate

Minimum Deposit Term Dividend Rate APY*
2,000.00 18 months 1.60 1.61
2,000.00 36 months 1.90 1.91
2,000.00 48 months 2.10 2.12
2,000.00 60 months 2.15 2.16

*APY = Annual Percentage Yield.  The information listed is effective as of 7/1/18 and is subject to change. 

Checking Account Rates

Checking Account Rates

Checking Minimum Balance Dividend Rate APY*
Share Draft Checking 500.00 0.10 0.10

*APY = Annual Percentage Yield. The information listed is effective as of  7/1/18 and is subject to change.