Rates

Listed plain as day!

(as they should be)

Mortgage rates are ever changing, however we do post daily rates in our Mortgage Center!

Click here to view the daily mortgage rates!

 

Home Equity Loan Rates

  •  Rates as of 4/1/17
Annual Percentage Rate as low as Term Alert Me
3.25% 60 months
4.25% 120 months
5.25% 180 months
6.25% 240 months
No Closing Cost options are available. Rates quoted “as low as” are subject to change without notice. Rate determined by credit score, term of loan, and oil/gas lease situation. All loan applications are subject to approval. The Credit Union reviews every loan application to ensure fairness and compliance to CFCU policy. Payment per $1,000 at 3.00% for 60 months = $17.98. Payment per $1,000 at 4.00% for 120 months = $10.14. Payment per $1,000 at 5.00% for 180 months = $7.92. Payment per $1,000 at 6.00% for 240 months = $7.18. Payment examples do not include property taxes and insurance premiums.

Home Equity Line of Credit (HELOC) Rates

  •  Rates as of 4/1/17
Annual Percentage Rate as low as Draw Period Alert Me
3.25% variable rate1 15 years
No Closing Cost options are available. Rates quoted “as low as” are subject to change without notice. Rate determined by credit score, term of loan, and oil/gas lease situation. All loan applications are subject to approval. The Credit Union reviews every loan application to ensure fairness and compliance to CFCU policy. Property taxes and insurance premiums are not included.
  • 1The Annual Percentage Rate may vary after the account is opened. The maximum rate is 16.00%.

Auto Loan Rates

  •  Rates as of 4/1/17
Annual Percentage Rate as low as Term Alert Me
Newer Autos/Motorcycles 2015 - 2017 2.50% up to 36 months1
Used Autos/Motorcycles 2014 and older 4.50% up to 60 months2
Rates quoted “as low as” are subject to change without notice. Rate determined by credit score, term of loan, and model year of vehicle. All loan applications are subject to approval. The Credit Union reviews every loan application to ensure fairness and compliance to CFCU policy.
  • 1Other rates and terms are available up to 84 months. Payment per $1,000 at 2.75% for 36 months = $28.98
  • 2Other rates and terms are available up to 72 months. Payment per $1,000 at 4.75% for 60 months = $18.76

Personal Loan Rates

  •  Rates as of 4/1/17
Annual Percentage Rate as low as Term Alert Me
3.90%1 12 months2
  • 1Rates quoted 'as low as' are subject to change without notice. Actual loan rate determined by credit score & term. All loan applications are subject to approval.
  • 2Other rates and terms available up to 60 months. Payment per $1,000 at 5.9% for 12 months = $86.98

Recreational Loan Rates

  •  Rates as of 4/1/17
Annual Percentage Rate as low as Term Alert Me
ATV/Snowmobile/Dirt Bike/Lawn Tractor/Boat/Camper/Motor Home/etc 4.00%1 up to 36 months
ATV/Snowmobile/Dirt Bike/Lawn Tractor/Boat/Camper/Motor Home/etc 4.75%2 up to 60 months
ATV/Snowmobile/Dirt Bike/Lawn Tractor/Boat/Camper/Motor Home/etc 5.00%3 up to 84 months4
Boat/Camper/Motor Home 5.50%5 up to 120 months6
Boat/Camper/Motor Home 6.25%7 up to 180 months6
Boat/Camper/Motor Home 7.25%8 up to 240 months9
Rates quoted “as low as” are subject to change without notice. Rate determined by credit score, term of loan, and model year of vehicle. All loan applications are subject to approval. The Credit Union reviews every loan application to ensure fairness and compliance to CFCU policy.
  • 1Payment per $1,000 at 3.75% for 36 months = $29.42
  • 2Payment per $1,000 at 4.50% for 60 months = $18.66
  • 3Payment per $1,000 at 4.75% for 84 months = $14.02
  • 4$10,000 minimum loan amount required.
  • 5Payment per $1,000 at 5.25% for 120 months = $10.74
  • 6$15,000 minimum loan amount required.
  • 7Payment per $1,000 at 6.00% for 180 months = $8.44
  • 8Payment per $1,000 at 7.00% for 240 months = $7.76
  • 9$50,000 minimum loan amount required.

Visa Credit Card Rates

  •  Rates as of 4/1/17
Annual Percentage Rate (APR) for Purchases APR for Balance Transfers APR for Cash Advances Penalty APR and When it Applies Minimum Interest Charge Alert Me
Rewards Visa 10.49% - 16.49%1 0% APR for 12 months from the post date of the transfer. Must post by 9/1/17 to qualify for promotional rate. After that, your APR will be 10.49% - 16.49%1 10.49%-16.49%1 None None
Classic Visa 11.40% - 16.50%1 11.40% - 16.50%1 11.40% - 16.50%1 None None
Platinum Visa 9.99% - 15.99%1 9.99% - 15.99%1 9.99% - 15.99%1 None None
Secured Visa 17.00% 17.00% 17.00% None None
  • 1Based on your creditworthiness on account opening. This APR will vary with the market based on the Prime Rate.

Savings & Club Account Rates

  •  Rates as of 4/1/17
Average Daily Balance Annual Percentage Yield (APY)1 Alert Me
Minimum $100 to earn APY 0.05%

Truth in Savings Disclosure

  • 1Compounded Monthly. The APY is a variable rate and may change after the account is opened. Fees may reduce earnings.

Checking Account Rates

  •  Rates as of 4/1/17
Type Average Daily Balance Annual Percentage Yield (APY)1 Alert Me
Classic Minimum $200 to earn APY 0.01%
Premiere Minimum $500 to earn APY 0.03%

Truth in Savings Disclosure

  • 1Compounded Monthly. The APY is a variable rate and may change after the account is opened. Fees may reduce earnings.

Money Market Savings Rates

  •  Rates as of 4/1/17
Average Daily Balance1 Annual Percentage Yield (APY)2 Alert Me
$2,500 to $9,999.99 0.05%
$10,000 to $24,999.99 0.10%
$25,000 to $49,999.99 0.10%
$50,000 to $99,999.99 0.15%
$100,000 and over 0.20%

Truth in Savings Disclosure

  • 1Minimum to open and earn APY, $2,500.
  • 2Compounded Monthly. The APY is a variable rate and may change after the account is opened. Fees may reduce earnings.

IRA Savings Rates

  •  Rates as of 4/1/17
Average Daily Balance Annual Percentage Yield (APY)1 Alert Me
Minimum $100 to earn APY 0.15%
  • 1Compounded Monthly. The APY is a variable rate and may change after the account is opened. Fees may reduce earnings.

Coverdell ESA Savings Rates

  •  Rates as of 4/1/17
Average Daily Balance Annual Percentage Yield (APY)1 Alert Me
Minimum $100 to earn APY 0.15%
The APY is a variable rate and may change after the account is opened. Fees may reduce earnings.
  • 1Compounded Monthly

Certificates with $500 minimum to open and earn APY.

  •  Rates as of 4/1/17
Term Annual Percentage Yield (APY)1 Alert Me
3 month 0.20%
6 month 0.25%
10 month 0.35%
12 month 0.40%
18 month 0.45%
20 month 0.60%
24 month 0.70%
30 month 0.85%
36 month 0.95%
48 month 1.10%
50 month 1.25%
60 month 1.35%
24 month Bump-Up2 0.70%
36 month Bump-Up2 0.95%
60 month Bump-Up2 1.35%
The APY is fixed for the initial term. At renewal, the APY is variable and may change at this time. Fees may reduce earnings. A penalty will be imposed for early withdrawal.

Certificate Truth in Savings Disclosure

  • 1Compounded Monthly
  • 2Option to bump up one time only during the initial term requires you to visit a CFCU branch before maturity date. The bump up rate will stay in effect for the remainder of the initial term. The Certificate will renew into a Certificate closest to, without exceeding, the term at maturity.

Certificates with $25,000 minimum to open and earn APY

  •  Rates as of 4/1/17
Term Annual Percentage Yield (APY)1 Alert Me
6 month 0.35%
10 month 0.45%
12 month 0.50%
18 month 0.55%
20 month 0.70%
24 month 0.80%
30 month 0.95%
36 month 1.05%
48 month 1.20%
50 month 1.35%
60 month 1.45%
24 month Bump-up2 0.80%
36 month Bump-Up2 1.05%
60 month Bump-Up2 1.45%
The APY is fixed for the initial term. At renewal, the APY is variable and may change at this time. Fees may reduce earnings. A penalty will be imposed for early withdrawal.

Certificate Truth in Savings Disclosure

  • 1Compounded Monthly
  • 2Option to bump up one time only during the initial term requires you to visit a CFCU branch before maturity date. The bump up rate will stay in effect for the remainder of the initial term. The Certificate will renew into a Certificate closest to, without exceeding, the term at maturity.

Jumbo Certificates with $100,000 minimum to open and earn APY

  •  Rates as of 4/1/17
Term Annual Percentage Yield (APY)1 Alert Me
10 month 0.60%
20 month 0.85%
30 month 1.10%
50 month 1.50%
The APY is fixed for the initial term. At renewal, the APY is variable and may change at this time. Fees may reduce earnings. A penalty will be imposed for early withdrawal.

Certificate Truth in Savings Disclosure

  • 1Compounded Monthly

HOME MORTGAGE DISCLOSURE ACT NOTICE

The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at this office regarding the locations where HMDA data may be inspected. To receive a copy of these data, send a written request to CFCU Community Credit Union, Mortgage Lending Department, 1030-1050 Craft Road, Ithaca, NY 14850.