Saving Rates

Account Description Posting Frequency Minimum Average Daily Balance to Earn Dividends Dividend Rate APY
Advantage Plus Checking Monthly $2,000.00 0.02% 0.02%
Money Market Monthly $1,000.00 - $9,999.00 0.20% 0.20%
$10,000.00 - $24,999.00 0.30% 0.30%
$25,000.00 - $49,999.00 0.35% 0.35%
$50,000.00 - $99,999.00 0.50% 0.50%
Over $100K 0.60% 0.60%
Star Club Checking+ Monthly N/A 0.02% 0.02%
Christmas Club Savings Monthly $50.00 0.02% 0.02%
Regular Savings Quarterly $25.00 0.02% 0.02%
$25.000.01 0.02% 0.03%
$50.000.01 0.02% 0%.02
SuperStar Savers Kid's Club+ Quarterly $25.00 0.02% 0.02%
$25.000.01 0.02% 0.03%
$50.000.01 0.02% 0%.02
Secondary Savings+
Secured Credit Card Savings
Quarterly $25.00 0.02% 0.02%
$25.000.01 0.02% 0.03%
$50.000.01 0.02% 0%.02
Team Green Savings Quarterly $25.00 0.02% 0.02%
$25.000.01 0.02% 0.03%
$50.000.01 0.02% 0%.02
IRA Savings Quarterly $1,000.00 0.02% 0.02%
Z-Checking – Qualifications Met Quarterly
Z-Checking – Qualifications Not Met Quarterly

Share Certificates

Account Description Posting Frequency Minimum Average Daily Balance to Earn Dividends Dividend Rate APY
6 Month Share Certificate Quarterly $2,500.00 - $4,999.00 0.50% 0.50%
$5,000.00 - $24,999.00 0.50% 0.50%
$25,000.00 - $99,999.00 0.50% 0.50%
Over $100K 0.65% 0.65%
12 Month Share Certificate Quarterly $2,500.00 - $4,999.00 1.94% 1.95%
$5,000.00 - $24,999.00 1.94% 1.95%
$25,000.00 - $99,999.00 2.33% 2.35%
Over $100K 2.33% 2.35%
24 Month Share Certificate Quarterly $2,500.00 - $4,999.00 2.18% 2.20%
$5,000.00 - $24,999.00 2.18% 2.20%
$25,000.00 - $99,999.00 2.25% 2.27%
Over $100K 2.25% 2.27%
36 Month Share Certificate Quarterly $2,500.00 - $4,999.00 2.00% 2.02%
$5,000.00 - $24,999.00 2.57% 2.60%
$25,000.00 - $99,999.00 2.57% 2.60%
Over $100K 2.62% 2.65%
48 Month Share Certificate Quarterly $2,500.00 - $4,999.00 2.00% 2.02%
$5,000.00 - $24,999.00 2.50% 2.52%
$25,000.00 - $99,999.00 2.50% 2.52%
Over $100K 2.60% 2.63%
60 Month Share Certificate Quarterly $2,500.00 - $4,999.00 2.00% 2.02%
$5,000.00 - $24,999.00 2.50% 2.52%
$25,000.00 - $99,999.00 2.50% 2.52%
Over $100K 2.60% 2.63%

IRA Certificate

Account Description Posting Frequency Minimum Average Daily Balance to Earn Dividends Dividend Rate APY
6 Month IRA Certificate Quarterly $2,500.00 - $4,999.00 0.04% 0.04%
$5,000.00 - $24,999.00 0.04% 0.04%
$25,000.00 - $99,999.00 0.04% 0.04%
Over $100K 0.04% 0.04%
12 Month IRA Certificate Quarterly $2,500.00 - $4,999.00 0.08% 0.08%
$5,000.00 - $24,999.00 0.08% 0.08%
$25,000.00 - $99,999.00 0.08% 0.08%
Over $100K 0.08% 0.08%
24 Month IRA Certificate Quarterly $2,500.00 - $4,999.00 0.15% 0.15%
$5,000.00 - $24,999.00 0.15% 0.15%
$25,000.00 - $99,999.00 0.15% 0.15%
Over $100K 0.15% 0.15%
36 Month IRA Certificate Quarterly $2,500.00 - $4,999.00 0.25% 0.25%
$5,000.00 - $24,999.00 0.25% 0.25%
$25,000.00 - $99,999.00 0.25% 0.25%
Over $100K 0.25% 0.25%
48 Month IRA Certificate Quarterly $2,500.00 - $4,999.00 0.30% 0.30%
$5,000.00 - $24,999.00 0.30% 0.30%
$25,000.00 - $99,999.00 0.30% 0.30%
Over $100K 0.30% 0.30%
60 Month IRA Certificate Quarterly $2,500.00 - $4,999.00 0.65% 0.65%
$5,000.00 - $24,999.00 0.65% 0.65%
$25,000.00 - $99,999.00 0.65% 0.65%
Over $100K 0.65% 0.65%

Business Deposit Rates

Account Description Posting Frequency Minimum Average Daily Balance to Earn Dividends Dividend Rate APY*
Business Classic Checking Monthly N/A 0.00% 0.00%
Business Premier Checking Monthly $.01 - $29,999.00* 0.50% 0.50%
$30,000.00 and greater + 0.05 % 0.05 %
Business Prime Savings Quarterly N/A 0.00% 0.00%
Business Money Market Monthly <$999 0.00% 0.00%
$1,000.00 - $9,999.00 0.20% 0.20%
$10,000.00 - $24,999.00 0.30% 0.30%
$25,000.00 - $49,999.00 0.35% 0.35%
$50,000.00 - $99,999.00 0.50% 0.50%
$100,000 and greater 0.60% 0.60%
School Association Checking Monthly N/A 0.00% 0.00%

[{Loan Rates}]Auto Loan Rates

Loan Type Term Annual Percentage Rate (APR*)
New Auto
$15,000+

Current or future model year with less than 12,000 miless $20,000.00

Up To 36 Months 3.00% - 14.00%
Up To 48 Months 3.25% - 14.29%
Up To 60 Months 3.50% - 14.50%
Up To 72 Months 3.75% - 15.00%
Used & Refinanced Auto
(Up to Retail on NADA)

2010 - 2017 Year Autos
*Minimum Finance amount for 72 months $20,000.00

Up To 36 Months 3.30% - 14.30%
Up To 48 Months 3.40% - 14.44%
Up To 60 Months 3.50% - 14.50%
Up To 72 Months 3.90% - 15.15%

R/V, Motorcycle & Recreation Loan Rates

Loan Type Term Annual Percentage Rate (APR*)
RV/Boat w/Trailer
Under $50,000.00 - 10% down
Financing $50,000.00 + with 10% down

Up to Ave Retail on NADA
Financing $50,000+ Ave. Retail on NADA

Up To 72 Months 6.50% - 7.50%
Up To 120 Months 7.00% - 8.00%
Up To 60 Months 6.75% - 7.75%
Up To 96 Months 7.00% - 8.00%
Jet Skis - No Trailer

Up to $15,000.00

New Up To 48 Months 6.75% - 7.75%
Up To 36 Months 6.50% - 7.50%
New Motorcycle

Financing $15,000.00+ w/100% Financing
Financing under $15,000.00 w/10% down

New Up To 72 Months 5.25% - 6.25%
Up to 60 Months 5.25% - 6.25%
Used Motorcycle

Financing Retail Value
Maximum 48 months

Up To 48 Months 6.25% - 7.25%
New ATV - All Terrain Vehicles

Maximum 36 months 10% down

Up To 36 Months 7.40% - 8.40%
Used ATV - All Terrain Vehicles

Maximun 36 months
Loan Value Only

Up To 36 Months 8.40% - 9.40%

Home Loan & Equity Rates

Loan Type Term Annual Percentage Rate (APR*)
Home Equity

Amounts from $25,000.00 - $200,000

60 - 180 Months 4.00% - 7.00%

Personal & Lifestyle Loans

Loan Type Term Annual Percentage Rate (APR*)
Signature Up To 60 Months 8.50% - 18.00%
Lifestyle Signature Loans Up To 60 Months 4.25% - 9.25%
Line of Credit

(Your monthly payment will be 4%)

Up To 60 Months 9.75% - 18.00%
Share Secured N/A See Current Deposit Rates
Money Market Secured N/A See Current Deposit Rates

Share Secured/ Money Market Secured: The Annual Percentage Rate (APR) of the loan will be the Annual Percentage Yield (APY) of the Share Account offered as security (index) plus a margin of 2% if the balance is $2,500.00 or more, or 3% if the balance is under $2,500.00

Certificate Account Secured: The Annual Percentage Rate (APR) of the loan will be the Annual Percentage Yield (APY) being paid on the Certificate Account (CA) offered as security (index) plus a margin of 2% if the balance is $2,500.00 or more, or 3% if the balance is under $2,500.00. The approximate term of the advance may not exceed the term of the CA offered as security. The APR and Daily Periodic Rate (DPR) will be disclosed on the Disbursement Receipt at the time of the advance.

Risk Based: This applies to all Sub-accounts except Share Secured, Money Market Secured, Certificate Account Secured, Home Equity, and Credit Cards. The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness. Please ask us for the rate that you qualify for.

Preferred Rate: For the Signature, Line of Credit, New Auto, and Used Auto Sub-accounts, you will receive a discount on your Annual Percentage Rate (APR) for use of each of the following products or services (up to a maximum of .50%) New and Used Auto Sub-accounts may qualify for a .50% discount depending on finance amount. The total amount of any APR discounts received may not exceed .50%.

Promotional Rates: Loan discounts DO NOT apply for loan promotional rates for all loan types.

Late Charges: If your payment is received 10 or more days past the due date, you agree to pay a late fee of 5% of the payment due.

Collection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney fees.

*Annual Percentage Rate. Loans are subject to credit approval and all CFFCU policies and procedures. Terms and conditions subject to change. The rate you will receive depends on your credit history. Other terms and conditions may apply. Credit limit up to $25,000.00.

+For example, on a $20,000 loan with a 9% APR, you would make 60 monthly payments of $415.21.