Rates
Checking & Savings
Money Market Accounts
Certificates
- Certificates/ IRA & HSA Accounts
- Jumbo Certificates/ IRA & HSA Accounts
- Super-Jumbo Certificates/ IRA & HSA Accounts
Loans
The rates appearing in this Schedule are accurate as of the Effective Date indicated on this Truth in Savings Disclosure. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.
APY = Annual Percentage Yield. Fees may reduce earnings.
Checking & Savings Rates
Rewards Checking Rates
| Tier(s) | Balance | APY* |
|---|---|---|
| A-Basic service requirements plus $1,000 spend on CCU credit card | Up to $10,000 | 5.00% |
| A | $10,000.01 to $25,000 | 0.20% |
| A | $25,000.01 and above | 0.10% |
| B - Basic service requirements plus $500 spend on CCU credit card | Up to $10,000 | 4.00% |
| B | $10,000.01 to $25,000 | 0.20% |
| B | $25,000.01 and above | 0.10% |
| C - Basic service requirements | Up to $10,000 | 3.00% |
| C | $10,000.01 to $25,000 | 0.20% |
| C | $25,000.01 and above | 0.10% |
| Service Requirements not met | $0.01 and above | 0.01% |
*APY = Annual Percentage Yield. CCU’s Free Rewards Checking account is a tiered rate account. Please see all terms and conditions on qualifying rate tiers. One Rewards Checking account is allowed per Member. Business accounts are not eligible for rewards. Rates subject to change without notice and subject to current CCU terms and conditions.
Savings Rates
| Account | Minimum Opening Deposit | Rate | APY* |
|---|---|---|---|
| Membership Share Savings | $5 | 0.03% | 0.03% |
| Smart Saver Qualifications Met | $5 | 2.96% | 3.00% |
| Smart Saver Qualifications Not Met | $5 | 0.25% | 0.25% |
| Special Share Savings | $5 | 0.03% | 0.03% |
| Holiday Club Savings | $5 | 0.25% | 0.25% |
| IRA Savings | $10 | 0.25% | 0.25% |
*APY = Annual Percentage Yield. Rates are subject to change without notice and are subject to the current CCU terms and conditions. Please see all terms and conditions on the qualifying rate tiers. Minimum opening balance to earn APY is $0.01.
Health Savings (HSA) Rates
Health Savings Account
| Minimum Balance to Earn APY* | Rate | APY* |
|---|---|---|
| $0.00 - $24,999.99 | 0.55% | 0.55% |
| $25,000.00 - $99,999.99 | 0.65% | 0.65% |
| $100,000 - $249,999.99 | 0.75% | 0.75% |
| $250,000+ | 1.15% | 1.16% |
* APY = Annual Percentage Yield. Rates are subject to change without notice and are subject to the current CCU terms and conditions.
Money Market Accounts
Money Market
| Minimum Balance to Earn APY* | Rate | APY |
|---|---|---|
| $0.00 - $24,999.99 | 0.55% | 0.55% |
| $25,000 - $99,999.99 | 0.65% | 0.65% |
| $100,000 - $249,999.99 | 0.75% | 0.75% |
| $250,000+ | 1.16% | 1.16% |
*APY = Annual Percentage Yield. Rates are subject to change without notice and are subject to the current CCU terms and conditions
IRA Money Market
| Minimum Balance to Earn APY* | Rate | APY |
|---|---|---|
| $0.00 - $24,999.99 | 0.55% | 0.55% |
| $25,000 - $99,999.99 | 0.65% | 0.65% |
| $100,000 - $249,999.99 | 0.75% | 0.75% |
| $250,000+ | 1.15% | 1.15% |
*APY = Annual Percentage Yield. Rates are subject to change without notice and are subject to the current CCU terms and conditions.
Let us help you open your new IRA Money Market account. Please call us at 877.ASK.CCCU (877.275.2228) or visit a local service center for assistance.
Certificates
Certificate/IRA & HSA Certificate Accounts
| Term | Minimum | Rate | APY* |
|---|---|---|---|
| 91 Day^ | $250.00 | 0.50% | 0.50% |
| 6 Months | $250.00 | 0.65% | 0.65% |
| 9 Months | $250.00 | 4.16% | 4.25% |
| 1 Year | $250.00 | 0.90% | 0.90% |
| 17 Months | $250.00 | 3.93% | 4.00% |
| 18 Months | $250.00 | 0.99% | 0.99% |
| 2 Years | $250.00 | 1.00% | 1.00% |
| 30 Months | $250.00 | 1.19% | 1.19% |
| 3 Years | $250.00 | 1.29% | 1.30% |
| 4 Years | $250.00 | 1.34% | 1.35% |
| 5 Years | $250.00 | 1.49% | 1.50% |
*APY = Annual Percentage Yield. APY is subject to change without notice. Dividends compounded daily, paid monthly. Penalties will apply for early withdrawal of funds. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
^91 Day not available as an IRA or HSA Certificate.
Promotional term certificates are valid for a limited time only. At maturity, the promotional term certificates will automatically roll over into a standard term certificate unless changes are made within a 10-day grace period. See Truth-In-Savings Disclosure for full details.
Let us help you open your new IRA Certificate. Please call us at 877.ASK.CCCU (877.275.2228) or visit a branch for assistance.
Jumbo/Jumbo IRA & HSA Certificate Accounts
| Term | Minimum | Rate | APY* |
|---|---|---|---|
| 91 Day^ | $250.00 | 0.50% | 0.50% |
| 6 Months | $250.00 | 0.65% | 0.65% |
| 9 Months | $100,000.00 | 4.16% | 4.25% |
| 1 Year | $100,000.00 | 1.00% | 1.00% |
| 17 Months | $100,000.00 | 3.97% | 4.05% |
| 18 Months | $100,000.00 | 1.09% | 1.09% |
| 2 Years | $100,000.00 | 1.10% | 1.10% |
| 30 Months | $100,000.00 | 1.29% | 1.29% |
| 3 Years | $100,000.00 | 1.39% | 1.40% |
| 4 Years | $100,000.00 | 1.44% | 1.45% |
| 5 Years | $100,000.00 | 1.59% | 1.60% |
*APY = Annual Percentage Yield. APY is subject to change without notice. Dividends compounded daily, paid monthly. Penalties will apply for early withdrawal of funds. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
^91 Day not available as an IRA or HSA Certificate.
Promotional term certificates are valid for a limited time only. At maturity, the promotional term certificates will automatically roll over into a standard term certificate unless changes are made within a 10-day grace period. See Truth-In-Savings Disclosure for full details.
Let us help you open your new IRA Certificate. Please call us at 877.ASK.CCCU (877.275.2228) or visit a branch for assistance.
Super Jumbo/Super Jumbo IRA & HSA Certificate Accounts
| Term | Minimum | Rate | APY* |
|---|---|---|---|
| 6 Months | $250.00 | 0.65% | 0.65% |
| 9 Months | $250,000.00 | 4.16% | 4.25% |
| 1 year | $250,000.00 | 1.10% | 1.10% |
| 18 Months | $250,000.00 | 1.19% | 1.19% |
| 2 Years | $250,000.00 | 1.20% | 1.20% |
| 30 Months | $250,000.00 | 1.38% | 1.39% |
| 3 Years | $250,000.00 | 1.49% | 1.50% |
| 4 Years | $250,000.00 | 1.54% | 1.55% |
| 5 Years | $250,000.00 | 1.69% | 1.70% |
| 17 Months | $250,000.00 | 4.02% | 4.10% |
*APY = Annual Percentage Yield. APY is subject to change without notice. Dividends compounded daily, paid monthly. Penalties will apply for early withdrawal of funds. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
Promotional term certificates are valid for a limited time only. At maturity, the promotional term certificates will automatically roll over into a standard term certificate unless changes are made within a 10-day grace period. See Truth-In-Savings Disclosure for full details.
Let us help you open your new IRA Certificate. Please call us at 877.ASK.CCCU (877.275.2228) or visit a branch for assistance.
Loans
Auto Loan
| Term | Loan Type | April 2023 and Newer* | April 2019 to 2022* |
|---|---|---|---|
| 0-60 Months | With Auto Buying Service | 3.99% | 4.68% |
| 0-60 Months | Without Auto Buying Service** | 4.49% | 5.18% |
| 61-72 Months | With Auto Buying Service | 4.84% | 5.34% |
| 61-72 Months | Without Auto Buying Service** | 5.34% | 5.84% |
| 73-84 Months | With Auto Buying Service | 5.94% | 6.39% |
| 73-84 Months | Without Auto Buying Service** | 6.44% | 6.89% |
*APR is Annual Percentage Rate. Rates are subject to change, and can vary based on credit worthiness, CCU Member discounts, age of vehicle, and terms of the loan. Offer subject to credit approval. Rate applies to 2023 and newer vehicles with a loan term of up to 60 months (based on credit worthiness). Call for rates on older model vehicles. Loan amount will be determined by income and other factors. The rate listed includes an additional 0.50% APR discount for buying through our Car Buying Service. To receive this discount, an auto loan must be booked through CCU, and auto purchase must be made at a certified dealer through CCU’s Car Buying Service purchasing process. The rate listed also assumes an automatic payment method. Individual rates may vary based on credit score and other factors. An example of payment terms is as follows: an amount financed of $20,000 with an APR of 3.99% and a term of 60 months would have a monthly payment of $368.00. View rates on model years 2018 and older.
**Rates listed include applicable discounts of 0.25% APR.
Powersports
| Term | April 2023 and Newer* | April 2019 to 2022* |
|---|---|---|
| 0 - 60 months | 8.65% | 8.95% |
| 61 - 72 months | 9.65% | 9.95% |
| 73 - 84 months | 10.65% | 10.95% |
*APR = Annual Percentage Rate. Not all applicants may qualify for the fixed base rate. Your rate is determined by your credit history. Rates listed include applicable discounts of 0.25% APR. For details, please ask a CCU Rep. VISA, variable, overdraft protection, real estate, share secure, and existing CCU loans are excluded from any rate deductions. An example of payment terms is as follows: an amount financed of $20,000 with an APR of 8.65% and a term of 60 months would have a monthly payment of $412.00.
Recreational Vehicles
| Loan Term | Loan Amount | April 2023 and Newer* | April 2019 to 2022* |
|---|---|---|---|
| 0 - 60 months | Any | 7.90% | 8.95% |
| 61 - 120 months | $20K - $60K | 8.90% | 9.95% |
| 121 - 180 months | $61K+ | 9.90% | 10.95% |
*APR = Annual Percentage Rate. Not all applicants may qualify for the fixed base rate. Your rate is determined by your credit history. Rates listed include applicable discounts of 0.25% APR. For details, please ask a CCU Rep. VISA, variable, overdraft protection, real estate, share secure, and existing CCU loans are excluded from any rate deductions. An example of payment terms is as follows: an amount financed of $20,000 with an APR of 7.90% and a term of 60 months would have a monthly payment of $405.00.
Secured/Collateralized Loans
| Term | APR as low as* |
|---|---|
| 36 Months | 8.20% |
| 48 Months | 8.70% |
| 60 Months | 9.00% |
| 72 Months | 9.70% |
| 84 Months | 10.20% |
*APR = Annual Percentage Rate. Not all applicants may qualify for the fixed base rate. Your rate is determined by your credit history. Rates listed include applicable discounts of 0.25% APR. For details, please ask a CCU Rep. VISA, variable, overdraft protection, real estate, share secure, and existing CCU loans are excluded from any rate deductions. An example of payment terms is as follows: an amount financed of $20,000 with an APR of 8.20% and a term of 36 months would have a monthly payment of $629.00.
Other Personal Loans
| Type | Terms & Conditions | Term | APR as low as* |
|---|---|---|---|
| Personal Loan (Unsecured) | Based on loan amount and credit qualifications | 8.99% | |
| Share Secured | Based on loan amount and credit qualifications | Variable** |
*APR = Annual Percentage Rate. Not all applicants may qualify for the fixed base rate. Your rate is determined by your credit history. Rates listed include applicable discounts of 0.25% APR. For details, please ask a CCU Rep. VISA, variable, overdraft protection, real estate, share secure, and existing CCU loans are excluded from any rate deductions. An example of payment terms is as follows: a personal loan financed with an APR of 8.99% and a term of 36 months would have a monthly payment per thousand dollars of $31.80.
**The Share Secured loan is a variable rate loan and may increase after consummation.
First Mortgage
| Product | Rate | APR* | Payment | Points |
|---|---|---|---|---|
| 30 Year Fixed | 6.750% | 6.898% | $1298 | 0.000 |
| 20 Year Fixed | 6.625% | 6.818% | $1506 | 0.000 |
| 15 Year Fixed | 5.500% | 5.733% | $1635 | 0.000 |
| 10 Year Fixed | 5.750% | 6.084% | $2196 | 0.000 |
| Jumbo 30 Year Fixed | 6.750% | 6.811% | $5231 | 0.000 |
| Jumbo 15 Year Fixed | 5.500% | 5.596% | $6590 | 0.000 |
| 5/1 Jumbo ARM | 6.250% | 6.309% | $4966 | 0.000 |
| 5/1 Conforming ARM | 6.125% | 6.268% | $1216 | 0.000 |
| 5/5 Smart Start | 6.500% | 6.646% | $1265 | 0.000 |
*APR = Annual Percentage Rate. Rates posted are indications only and are subject to change without notice. Your actual rate and/or points may be different, as many factors go into providing you with a mortgage loan. The quotes are based on a specific loan amount for the purchase of a single-family primary residence. Rates and payments shown are based on a loan amount of $200,000 with 25% down, an excellent credit score, and purchase of a primary residence.
**Jumbo products are based on a loan amount of $806,501 with 20% down, an excellent credit score, and purchase of a primary residence.
+Smart Start: A payment example for a 5-year Adjustable-Rate Mortgage (ARM) product with a 3.00% down payment. Purchase Price: Purchase Price: $206,200; Loan Amount: $200,000; Interest Rate: 7.25%; Annual Percentage Rate: 7.40% APR; Initial Fixed Period: Interest is fixed for the first 5 years, then adjusts periodically. This will result in 60 monthly principal and interest payments of $1,365. Please note that these payments do not include taxes or insurance. Actual payments may be higher. This example is for illustrative purposes only and assumes a FICO score of 620 with 0 points. Actual terms may vary.
^15-Year Fixed Rates are available for a limited time, and subject to change without notice. All loans are subject to credit approval, membership eligibility, and underwriting guidelines. The advertised rate applies to owner-occupied properties and assumes excellent credit, a qualifying loan-to-value (LTV) ratio, and other eligibility factors. Additional terms, conditions, and restrictions may apply. Contact us for full details. Payment Example: A $200,000 loan with 25% down at a 5.99% APR on a 15-year fixed mortgage would result in a monthly principal and interest payment of approximately $1,318.57. This does not include taxes and insurance, which will increase the total payment.
Home Equity Loan
| Loan to Value (LTV) | 5 Year Term (APR)* | 10 Year Term (APR)* | 15 Year Term (APR)* | 20 Year Term (APR)* |
|---|---|---|---|---|
| 80% LTV | 7.00% | 7.50% | 7.75% | 8.00% |
*APR = Annual Percentage Rate. Rates listed above are "as low as". Rate is based on creditworthiness and loan-to-value. Not all applicants may qualify for the fixed base rate. VISA, variable, overdraft protection, real estate, share secure, and existing CCU loans are excluded from any rate deductions.
Home Equity Line of Credit (HELOC)
| 80% CLTV* |
|---|
| Prime - .50% |
*APR = Annual Percentage Rate. Rates listed above are "as low as". Rate is based on credit worthiness and combined loan-to-value and will vary monthly based on the prime rate (as published in the Wall Street Journal) plus or minus a margin, or 4.0% APR, whichever is higher, with a maximum APR not to exceed 21%. Rates and promotional terms are subject to change and may be discontinued without notice. HELOCs have a minimum rate of 4.00%. The annual percentage rate may vary after the account is opened.
Interest Only Payments Allowed.
Visa Cards
| Type | Term | APR as low as* |
|---|---|---|
| VISA® Platinum | Variable Rate with No Annual Fee | 13.95 |
| VISA® Platinum Rewards | Variable Rate with No Annual Fee | 15.95 |
| VISA® Signature Rewards | Variable Rate with No Annual Fee | 16.24 |
| VISA® Signature Cash Rebate | Variable Rate with No Annual Fee | 16.24 |
| VISA® Share Secured | Variable Rate with No Annual Fee | 21.95 |
*APR = Annual Percentage Rate. All loan requests are subject to the Loan Review Committee and Guidelines. This rate schedule sets forth certain conditions and rates applicable to your accounts at the Credit Union at this time. The Credit Union may offer other rates or amend rates contained in this schedule from time to time. All rates and terms are subject to change without notice. Rates shown are the lowest rates offered for the products advertised. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. For all variable-rate loans, the APR may change after consummation. Additional fees may apply to some loans. Contact us for full loan disclosure information specific to your loan.
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