Rates (Copy)
Dividend Rates
We understand. Rates are important. We also understand that everyone has unique needs, and all these rates and products can be overwhelming. Contact us, and we'll answer any questions and help you find the best fit for you.
The Annual Percentage Yields (APYs) may change at any time at the credit union's discretion, however, certificates of deposit are fixed for the term. The APY assumes interest will remain on deposit. Fees may reduce earnings.
Rates effective January 3, 2025.
| Account Type | Minimum Balance to Earn APY | Annual Percentage Yield (APY) | |
|---|---|---|---|
| Savings Accounts | Share Savings1 | $100 | 0.25% |
| Premier Savings2 | $100 | 0.25% | |
| Youth Savings3 | $100 | 0.25% | |
| Christmas Club4 | $5 (max. $2,499.99) | 0.30% | |
| Checking Accounts | MMAX Checking5 | $2000 | 0.10% |
| Premier Checking6 | $2000 | 0.10% | |
| Access Checking7 | N/A | N/A | |
| TDY Checking8 | $2000 | 0.10% | |
| Share Certificates9 | 12 Month | $1000 | 1.10% |
| 24 Month | $1000 | 1.20% | |
| 36 Month | $1000 | 1.30% | |
| 48 Month | $1000 | 1.40% | |
| 60 Month | $1000 | 1.50% | |
| Individual Retirement Accounts | 90 Day Certificate10 | $100 | 0.30% |
| Trust / Estate Accounts | Trust / Estate Savings11 | $100 | 0.25% |
| Trust / Estate Checking12 | N/A | N/A | |
| Business Accounts | Business Savings13 | N/A | N/A |
| Business Checking14 | N/A | N/A | |
Loan Rates
CFCU offers a variety of loans to meet your financial needs, with locally-made decisions. Contact us, and we'll answer any questions and help you get started.
Advertised "as low as" annual percentage rates (APR) and advertised maximum terms assume excellent borrower credit history. Your actual APR and loan term may differ and will be based upon several factors, including credit history, loan term, loan amount, and model year of any collateral. Some restrictions may apply. Rates subject to change at any time at credit union discretion.
Rates effective January 1, 2026.
| Loan Type | Annual Percentage Rate (APR) as low as | Maximum Term | Loan Amount |
|---|---|---|---|
| New Auto | 4.69% | 36 Months | $500 - $150,000 |
| 4.89% | 48 Months | ||
| 5.59% | 60 Months | ||
| 5.99% | 72 Months | ||
| 6.39% | 84 Months | $30,000 - $150,000 | |
| Used Auto | 5.69% | 24 Months | $500 - $150,000 |
| 5.79% | 36 Months | ||
| 5.99% | 48 Months | ||
| 6.30% | 60 Months | ||
| 6.40% | 72 Months | ||
| 6.64% | 84 Months | $30,000 - $150,000 | |
| New Motorcycle | 6.99% | 48 Months | $500 - $150,000 |
| 7.29% | 60 Months | ||
| 7.49% | 72 Months | ||
| 7.99% | 84 Months | $30,000 - $150,000 | |
| Used Motorcycle | 7.99% | 48 Months | $500 - $150,000 |
| 8.29% | 60 Months | ||
| 8.49% | 72 Months | ||
| 8.99% | 84 Months | $30,000 - $150,000 | |
| New Powersports Vehicle Boat, ATV, Personal Watercraft | 6.99% | 48 Months | $500 - $150,000 |
| 7.29% | 60 Months | ||
| 7.49% | 72 Months | ||
| 7.99% | 84 Months | $30,000 - $150,000 | |
| Used Powersports Vehicle Boat, ATV, Personal Watercraft | 7.99% | 48 Months | $500 - $150,000 |
| 8.29% | 60 Months | ||
| 8.49% | 72 Months | ||
| 8.99% | 84 Months | $30,000 - $150,000 | |
| New RV and Motorhome | 7.00% | 60 Months | $500 - $150,000 |
| 7.50% | 72 Months | ||
| 7.50% | 84 Months | $30,000 - $150,000 | |
| 8.00% | 120 Months | ||
| Used RV and Motorhome | 8.00% | 60 Months | $500 - $150,000 |
| 8.50% | 72 Months | ||
| 8.50% | 84 Months | $30,000 - $150,000 | |
| 9.00% | 120 Months | ||
| Personal Unsecured | 8.99% | 60 Months | $500 - $30,000 |
| Share-Secured | 3% higher than dividend rate | 120 Months | $500 - $150,000 |
| CD-Secured | 3% higher than dividend rate | 60 Months | $500 - $150,000 |
| VISA Credit Card | 8.73% | N/A | $300 - $15,000 |
Please see our full Truth-in-Savings disclosures in our Understanding Your Account pamphlet.
1Also known as a Regular Savings account. The par value of a share in this account is $10. The minimum balance in this account is $10. Minimum daily balance requirement to earn stated Annual Percentage Yield (APY) is $100. Fees may reduce earnings.
2The primary member must be 60 years of age or older to open and maintain this account. If the primary member changes and is no longer age 60 or older, account will be converted to a Share Savings account. The par value of a share in this account is $10. The minimum balance in this account is $10. Minimum daily balance requirement to earn stated Annual Percentage Yield (APY) is $100. Fees may reduce earnings.
3The primary member must be 12 years of age or younger to open and maintain this account. If the primary member changes and is no longer age 12 or younger, or upon the primary member reaching age 13, this account will be converted to a Share Savings account. The par value of a share in this account is $10. The minimum balance in this account is $10. Minimum daily balance requirement to earn stated Annual Percentage Yield (APY) is $100. Fees may reduce earnings.
4A Share Savings or Premier Savings account is required to open and maintain a Christmas Club account. A $5 deposit is required to open this account. The maximum balance in this account is $2500. Minimum daily balance requirement to earn stated Annual Percentage Yield (APY) is $5 to $2,499.99. This account does not earn dividends if the account balance is $2500 or more. Fees may reduce earnings.
5A Share Savings account is required to open and maintain a MMAX Checking account. A direct deposit or recurring ACH credit of at least $300 per month is required to maintain this account. Minimum daily balance requirement to earn stated Annual Percentage Yield (APY) is $2,000. Fees may reduce earnings. Free checks at account opening are limited to "safety paper" wallet-style checks (see branch for details).
6A Premier Savings account is required to open and maintain a Premier Checking account. Minimum daily balance requirement to earn stated Annual Percentage Yield (APY) is $2,000. Fees may reduce earnings. Free checks are limited to "safety paper" wallet-style or duplicate-style checks (see branch for details).
7A Share Savings account is required to open and maintain an Access Checking account. $6 monthly maintenance fee.
8TDY Checking accounts are no longer offered. A Share Savings account is required to open and maintain a TDY Checking account. Minimum daily balance requirement to earn stated Annual Percentage Yield (APY) is $2,000. Fees may reduce earnings.
9Also known as Certificates of Deposit. A Share Savings, Premier Savings, or Youth Savings account is required to open and maintain a Share Certificate. Penalty for early withdrawal on share certificates. The deposit rates and APYs may change at the credit union's discretion, however, share certificates are fixed for the term. The APY assumes interest will remain on deposit. The minimum balance required to open a certificate and to earn the APY is $1000.
10A Share Savings or Premier Savings account is required to open and maintain an IRA. Penalty for early withdrawal, but deposits are permitted at any time, even if the certificate is not at maturity. The deposit rates and APYs may change at the credit union's discretion, however, IRAs are fixed for the term. The APY assumes interest will remain on deposit. The minimum balance required to open an IRA and to earn the APY is $100.
11The par value of a share in this account is $10. The minimum balance in this account is $10. Minimum daily balance requirement to earn stated Annual Percentage Yield (APY) is $100. Fees may reduce earnings.
12A Trust / Estate Savings is required to open and maintain a Trust / Estate Checking account.
13The par value of a share in this account is $10. The minimum balance in this account is $10. The credit union does not offer merchant services.
14A Business Savings is required to open and maintain a Business Checking account. The credit union does not offer merchant services.
