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Rates


Rates are effective 10/01/2024 and may change without notice.

*Annual Percentage Yield.  **Annual Percentage Rate.
Your deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA), with an added safety net of private insurance (Excess Share Insurance/ESI) for an additional $250,000.

Personal

Savings

Savings Rates
Accounts  Minimum Balance1 APY*
Personal Savings $25.00 .10%
Secondary Savings $0.01 .10%
C.U. CA$H® Kids Club  $5.00 .10%
Holiday Club $0.01 .10%

1Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid quarterly. Fees could reduce earnings on your account.

Checking

Checking Rates
Accounts Minimum Balance2 APY*
Personal Checking $.00 N/A
Checking Plus $1,000 .05%
Checking Plus $20,000 .15%

2This rate schedule states rates applicable to specified accounts. Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Fees could reduce earnings on your account.

Money Market

Money Market Rates
Accounts Minimum Balance2 APY*
Insured Money Market $2,500.00 .25%
Insured Money Market $20,000.00 .50%
Insured Money Market $75,000.00 1.50%
Insured High Yield Money Market $5,000.00 .50%
Insured High Yield Money Market $50,000.00 1.00%
Insured High Yield Money Market $100,000.00 2.50%
Insured High Yield Money Market $250,000.00 3.25%
Insured High Yield Money Market $500,000.00 3.50%

2This rate schedule states rates applicable to specified accounts. Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Fees could reduce earnings on your account. Three free withdrawals per month.

IRA Money Market Rates
Accounts Minimum Balance3 APY*
IRA Money Market $0.01 .10%
IRA Money Market $2,500.00 .25%
IRA Money Market  $20,000.00 .40%
IRA Money Market $75,000.00 1.00%

Traditional and Roth IRAs.
3Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Fees could reduce earnings on your account. Three free withdrawals per month.

Personal CD and IRA CDs

Personal CD & IRA CD Rates $1,000+

Term Minimum Deposit4  APY*
10 Month CD Special $5,000.00 5.00%
90-Day3 $1,000.00 .35%
180-Day3 $1,000.00 .50%
12-Month $1,000.00 1.35%
24-Month $1,000.00 2.50%
36-Month $1,000.00 1.70%
48-Month $1,000.00 1.75%
60-Month $1,000.00 1.85%

Personal CD & IRA CD Rates $20,000+

Term Minimum Deposit4 APY*
12-Month $20,000.00 1.35%
24-Month $20,000.00 3.00%
36-Month $20,000.00 1.80%
48-Month $20,000.00 1.85%
60-Month $20,000.00 1.95%

Personal CD & IRA CD Rates $100,000+

Term Minimum Deposit4 APY*
180-Day3 $100,000.00 2.20%
12-Month $100,000.00 3.20%
24-Month $100,000.00 4.50%

Traditional and Roth IRAs.
3Simple interest paid at maturity.
4Unless otherwise paid, Dividends are compounded daily and paid quarterly. Withdrawals will reduce the earnings to your account. Penalty for early withdrawals on original deposit amount.

Auto, Home and Personal Loans

Fixed Rate Home Equity Loans
Term LTV* APR** as low as2 Payment3
3 Year 80% 5.50% $75.49
3 Year 90% 6.00% $76.05
5 Year  80% 5.75% $48.04
5 Year 90% 6.25% $48.63
7 Year   80% 6.25% $36.83
7 Year  90% 6.75% $37.43
10 Year  80% 7.00% $29.03
10 Year  90% 7.50% $29.68

*LTV=Loan-To-Value. Minimum loan amount: $2,500. Maximum loan amount: $100,000.
2 Rate available to highly qualified members
3 Payments based on $10,000 loan
Home Equity loans do not qualify for Rate Buy Downs.

Home Equity Line of Credit (HELOC) Rates
Loan-to-Value (LTV) APR**
0-80% 8.75%
81-90% 9.75%

HELOCs do not qualify for loan Rate Buy Downs.
Home Equity Line of Credit Guidelines: Maximum repayment: 15 years, Annual Percentage Rate May Vary, Minimum APR: 4.00%, Maximum APR: 21.00%, Property Insurance Required,
Estimate of other fees for opening plan ranges from $166.00 - $725.00.

Motorcycle, Snowmobile & Jet Skis

New Motorcycles, Snowmobiles & Jet Skis (2023, Newer or Untitled)

Term APR** as low as2 Payment
Up to 60 Months 9.25% $417.653
72 Months4 9.75% $368.064

2 Rate available to highly qualified members.
3 Payments based on $20,000 loan.
4 Minimum loan required for this rate is $20,000. Payment based on $20,000 loan.
Existing loans financed by CCU do not apply. NO Rate Buy Downs on these rates.


Used Motorcycles, Snowmobiles & Jet Skis (2016-2022)

Model Year Term APR** as low as2 Payment3
2015-2021 48 Months 11.25% $129.85

2 Rate available to highly qualified members. Other rates and terms may apply.
3 Payments based on $5,000 loan
Existing loans financed by CCU do not apply.No Rate Buydowns.


Classic Motorcycles

Term APR** as low as2 Payment3
Please call for loan advances & terms 14.50% $235.33

2 Rate available to highly qualified members. Other rates and terms may apply.
3 Payments based on $10,000 loan for 60 months.

New & Used Vehicles (2023 or newer)

New/Used Cars, Trucks & Vans (2023, Newer, or Untitled) 

Term APR** as low as2 Payment3
24-36 Months 4.55% $655.01 (24 months) to $446.51 (36 months)
48 Months4 6.99% $239.43
60 Months4 6.99% $197.99
66 Months4 7.49% $185.35
72 Months5 7.99% $262.96
84 Months6 8.29% $314.68

2 Rate available to highly qualified members.
3 Payments for 24-36 month terms based on $15,000 loan. Other terms based on $10,000 loan.
4 $10,000 minimum amount financed required for 48-66 Month terms.
5$15,000 minimum amount financed required for 72-Month term.
6$20,000 minimum amount financed required for up to a 84-Month term.


New/Used Cars, Trucks & Vans (2021-2022) 

Term APR** as low as2 Payment3
24 Months 4.55% $655.01
36 Months 4.99% $446.51
48 Months 6.99% $239.43
60 Months 6.99% $197.99
66 Months 7.49% $185.35

2 Rate available to highly qualified members.
3 Payments based on $10,000 financed unless otherwise noted; $15,000 for 24-36-Month terms; Terms require minimum amounts financed.

 

Used Vehicles (2017-2020)

Older Model Used Cars, Trucks & Vans (2017-2020) 

Model Year Term Minimum Loan Amt APR** as low as2 Payment3
2016-2019 48 Months $7500.00 8.25%4 $184.00
  60 Months $7500.00 8.25%4 $152.08
  72 Months $7500.00 8.50% $133.36
2010-2015 48 Months $5,000 8.25%4 $122.67
  60 Months $5,000 8.50% $102.60

2 Rate available to highly qualified members.
3 Payments based on minimum loan amounts.
4 ONLY if loan set up with ACH/Auto Pay and e-Statements
Existing loans financed by CCU do not apply.

Classic Cars

Term APR** as low as2 Payment3
Please call for loan advances & terms 14.50% $235.33

2 Rate available to highly qualified members. Other rates and terms may apply.
3 Payments based on $10,000 loan for 60 months.

Personal & Signature Loans
Term APR** as low as2 Payment
Signature Loan (Up to 42 Months) 15.00% $151.12 (Based on $5,000 line)

No Rate Buy Downs on signature loans.

Personal Revolving Line of Credit
Term APR** as low as2 Payment
Revolving Line of Credit   3.4% of Balance, $20 minimum
RV, Motorhome, Boat & Travel Trailers

New/Used RV, Motorhome, Boat & Travel Trailer (2017, Newer, or Untitled)

Term APR** as low as2 Payment3
72 Months  (minimum $5,000 financed) 9.74% $91.993
120 Months  (minimum $25,001 financed) 9.74% $326.88
180 Months  (minimum $50,000 financed) 9.74% $529.57
240 Months  (minimum $100,000 financed) 9.50% $932.52

2 Rate available to highly qualified members.
3 Payments based on term and minimum amount financed.
Existing loans financed by CCU do not apply. NO Rate Buy Downs on these rates.


Used RV, Motorhome, Boat & Travel Trailer (2012-2016)

Term APR** as low as2 Payment3
Up to 60 Months  (minimum $5,000 financed) 11.25% $109.36

2 Rate available to highly qualified members.
3 Payments based on $5,000 loan
Existing loans financed by CCU do not apply. NO Rate Buy Downs on these rates.

Business

Savings

Savings
Daily Balance APY* Monthly
Service
Charge2
# Free checks
deposited
per month
Overage fee
per additional
Up to $249.99 .00% $4.00 15 $0.15
$250 - above .10% $4.00 15 $0.15

2 Service charge waived with Business Share Savings Account and one of CCU’s three Business Checking Accounts.

Money Market / CDs / IRAS

CDs and Money Market Account1

Business CDs

Same terms, rates, minimums as Personal Certificates of Deposit.

Money Market Account

Daily Balance2 APY*
$2,500 to $19,999.99 .25%
$20,000 - $74,999.99 .40%
$75,000 - above 1.00%

1 All savings dividend rates are variable. 
2 Minimum balance requirements apply to average daily balance to earn stated dividends.

Checking

Checking

Premier Business Checking1

Daily Balance APY* Monthly
Service
Charge
# Free checks
per month
# Free checks
deposited
per month
Overage fee
per additional
Up to $2,499.99 .05% $6.00 150 50 $0.15
$2,500 - $4,999.99 .15% $6.00 150 50 $0.15
$5,000 - above .20% $6.00 150 50 $0.15

1 Typically maintains balance over $5,000 and has a larger volume of transactions; Earns dividends that may offset transaction fees; Dividend rate is based on daily balance. 


Premium Business Checking

Daily Balance APY* Monthly
Service
Charge2
# Free checks
per month
# Free checks
deposited
per month
Overage fee
per additional
Up to $19,999.99 .00% $25.00 Unlimited Unlimited N/A
$20,000 - above .35% $0.00 Unlimited Unlimited N/A

2 Service charge waived if average balance maintained > $20,000.