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 |
.20% |
| Insured Money Market |
$20,000.00 |
.40% |
| Insured Money Market |
$75,000.00 |
.95% |
| Insured High Yield Money Market |
$5,000.00 |
.20% |
| Insured High Yield Money Market |
$50,000.00 |
.70% |
| Insured High Yield Money Market |
$100,000.00 |
2.00% |
| Insured High Yield Money Market |
$250,000.00 |
2.65% |
| Insured High Yield Money Market |
$500,000.00 |
2.90% |
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 |
.20% |
| IRA Money Market |
$2,500.00 |
.50% |
| IRA Money Market |
$20,000.00 |
.65% |
| IRA Money Market |
$75,000.00 |
1.50% |
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* |
| 90-Day3 |
$1,000.00 |
.35% |
| 180-Day3 |
$1,000.00 |
.50% |
| 7-Month |
$1,000.00 |
4.00% |
| 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 |
3.75% |
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% |
7.75% |
| 81-90% |
8.75% |
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 (2024, 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 (2017-2023)
| 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 (2024 or newer)
New/Used Cars, Trucks & Vans (2024, Newer, or Untitled)
| Term |
APR** as low as2 |
Payment3 |
| 24-36 Months |
5.04% |
$658.33 (24 months) to $449.83 (36 months) |
| 48 Months4 |
6.74% |
$238.30 |
| 60 Months4 |
6.74% |
$196.83 |
| 66 Months4 |
7.24% |
$184.17 |
| 72 Months5 |
7.74% |
$261.16 |
| 84 Months6 |
8.00% |
$311.80 |
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 (2022-2023)
| Term |
APR** as low as2 |
Payment3 |
| 24 Months |
5.04% |
$658.33 |
| 36 Months |
5.04% |
$449.83 |
| 48 Months |
6.74% |
$238.30 |
| 60 Months |
6.74% |
$196.83 |
| 66 Months |
7.24% |
$184.17 |
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 (2018-2021)
Older Model Used Cars, Trucks & Vans (2018-2021)
| Model Year |
Term |
Minimum Loan Amt |
APR** as low as2 |
Payment3 |
| 2018-2021 |
48 Months |
$7500.00 |
8.00%4 |
$183.13 |
| |
60 Months |
$7500.00 |
8.25%4 |
$153.01 |
| |
72 Months |
$7500.00 |
8.50% |
$133.37 |
| 2012-2017 |
48 Months |
$5,000 |
8.00%4 |
$122.09 |
| |
60 Months |
$5,000 |
8.25% |
$102.01 |
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.
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 |
.20% |
| $20,000 - $74,999.99 |
.40% |
| $75,000 - above |
.95% |
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.