Rates

Loan Rates

Loan TypeAnnual Percentage RateNotes
New Auto/Truck Loan3.99%* to 11.74%*Fixed rate, terms up to 84 months with no more than 12,000 miles.
Used Auto/Truck Loan3.99%* to 11.74%*Fixed rate, terms up to 72 months on vehicles up to 7 years old.
Older Model Auto/Truck Loan6.75%* to 14.75%*Fixed rate, terms up to 48 months on loan balances under $10,000.
Recreational Vehicle Loan4.75%*to 12.75%*Fixed rate, terms up to 60 months on loan balances under $10,000. Models up to 15 years old.
Recreational Vehicle Loan5.75%* to 13.75%*Fixed rate, terms up to 180 months on balances over $10,000. Models up to 15 years old.
Personal Loans10.15%* to 15.15%*Fixed rate, terms up to 36 months. Maximum loan amount: 2 times monthly gross income.
Overdraft Line of Credit 15.00%* Fixed rate. Maximum loan account $500.
Certificate Secure Loans2.75%* to 4.25%*Fixed rate, terms up to 10 years
Share Secured Loans3.20%*Fixed rate, up to 60 month term.
1st & 2nd Mortgage Loans and Real Estate LoansContact the loan department for rates, terms and more information.
Home Improvement LoansFixed rate, terms up to 10 years. Maximum loan amount $7,500. Contact the loan department for more info.
Visa7.25%*May qualify for up to 2 times monthly 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 with out notice. For more information please, contact us.

The information listed is effective as of: July 1, 2019.

Certificate Rates

Share Certificate

Minimum DepositTermDividend RateAPY*
$5006 months0.800.80
$50012 months1.501.51
$50018 months1.751.76
$50024 months 2.002.02

Bump Rate Certificate

Minimum DepositTermDividend RateAPY*
$50036 Months2.502.52
$50,00036 Months 2.502.52

Super Share Certificate

Minimum DepositTermDividend RateAPY*
$50,0006 months1.301.31
$50,00012 months1.751.76
$50,00018 months2.002.02
$50,00024 months2.302.32

IRA Share Certificate

Minimum DepositTermDividend RateAPY*
$2,00018 months2.002.02
$2,00036 months2.302.32
$2,00048 months2.482.50
$2,00060 months2.572.60

*APY = Annual Percentage Yield

The information listed is effective as of: July 1, 2019.

Savings Rates

Savings AccountMinimum BalanceDividend RateAPY*
Regular Share Savings$200.200.20
All Kid’s Club Accounts$50.200.20
Holiday Club Account$50.200.20
IRA Share Savings$50.500.50
Super Saver Share Account $2,500 required to openLess than $2,5000.200.20
Super Saver Share Account$2,500 – $4,9990.300.30
Super Saver Share Account$5,000 – $24,9990.350.35
Super Saver Share Account$25,000 – $50,0000.400.40
Super Saver Share Account$50,000+0.600.60

*APY = Annual Percentage Yield

The information listed is effective as of: July 1, 2019.

Checking Account Rates

CheckingMinimum BalanceDividend RateAPY*
Share Draft Checking$5000.100.10

*APY = Annual Percentage Yield

The information listed is effective as of: July 1, 2019.