Rates and Fees

Looking at usWe hate to make anyone look bad... but there is a reason our competition watches our rates and fees.

Compare our rates and fees to anyone around!

$5,000 Quarterly Prizes!

Simply save for a rainy day and have a chance at prizes up to $5,000!

Learn more about the CFCU Lucky Savers program

Deposit Rates

Savings & Club Account Rates

  •  Rates as of 11/1/17
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 11/1/17
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 11/1/17
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 11/1/17
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 11/1/17
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

Lucky Savers Certificate - $25 minimum to open and earn APY

  •  Rates as of 11/1/17
Term Annual Percentage Yield (APY)1 Alert Me
12 month 0.40%
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.

Lucky Savers Truth in Savings Disclosure

See official rules here. For more information, please visit www.nycua.org.

  • 1Compounded Monthly

Certificates with $500 minimum to open and earn APY.

  •  Rates as of 11/1/17
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 11/1/17
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 11/1/17
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

Loan Rates

Auto Loan Rates

  •  Rates as of 11/1/17
Annual Percentage Rate as low as Term Payment per $1,000 Alert Me
Newer Autos/Motorcycles 2016 - 2018 2.50% up to 36 months $28.82
at 36 mo
Newer Autos/Motorcycles 2016 - 2018 3.50% 37-60 months $18.14
at 60 mo
Newer Autos/Motorcycles 2016 - 2018 4.00% 61-72 months $15.60
at 72 mo
Newer Autos/Motorcycles 2016 - 2018 5.75% 73-84 months $14.44
at 84 mo
Used Autos/Motorcycles 2015 and older 4.50% up to 60 months $18.58
at 60 mo
Used Autos/Motorcycles 2015 and older 5.75% 61-72 months $16.38
at 72 mo
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.

Visa Credit Card Rates

  •  Rates as of 11/1/17
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 10.99% - 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 10.99% - 16.49%1 10.99%-16.49%1 None None
Classic Visa 11.90% - 16.50%1 11.90% - 16.50%1 11.90% - 16.50%1 None None
Platinum Visa 10.49% - 16.49%1 10.49% - 16.49%1 10.49% - 16.49%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.

Personal Loan Rates

  •  Rates as of 11/1/17
Annual Percentage Rate as low as Term Alert Me
3.90%1 12 months
4.90% 24 months
5.90% 36 months
8.90% 48 months
9.90% 60 months
  • 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.

Recreational Loan Rates

  •  Rates as of 11/1/17
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
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

Home Equity Loan Rates

  •  Rates as of 11/1/17
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 3.25% for 60 months = $18.04. Payment per $1,000 at 4.25% for 120 months = $10.22. Payment per $1,000 at 5.25% for 180 months = $8.02. Payment per $1,000 at 6.25% for 240 months = $7.28. Payment examples do not include property taxes and insurance premiums.

Home Equity Line of Credit (HELOC) Rates

  •  Rates as of 11/1/17
Annual Percentage Rate as low as Draw Period Alert Me
4.25% 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%.

Business Account Rates

Business Savings and Club Account Rates

  •  Rates as of 11/1/17
Average Daily Balance Annual Percentage Yield (APY)1 Alert Me
Minimum $100 to earn APY 0.05%

Truth in Savings Disclosure

  • 1Compounded Monthly

Premiere Business Checking Rates

  •  Rates as of 11/1/17
Average Daily Balance Annual Percentage Yield (APY)1 Alert Me
$1,000-$24,999.99 0.10%
$25,000-$49,999.99 0.10%
$50,000-$99,999.99 0.15%
$100,000 and over 0.20%
  • 1Compounded Monthly

Fees

Membership Fees - Updated 3/1/17

Bad Address/Returned Mail                                                     $5.00

Telephone Transfer                                                                     $5.00*

Teller Check Withdrawal                                                           $5.00 per check*
(Free with Premiere Checking)

Presented Item returned NSF                                                 $10.00 per item
(Uncollected and Resubmitted)

Presented Item, not paid & debited from account       $20.00 per item  

Account Research/Reconciliation (1 hour minimum)  $25.00 per hour

Notice of Levy/Restraining Order                                         $100.00  

Verification of deposit/credit reference                            $25.00

Escheated account charges                                                    Variable processing costs per state law

Early Account Closure                                                                $20.00
(if closed within 180 days of opening account)

Share Draft Fees 

Checking Inactivity (after 12mo. no activity)                    $5.00 per month

Premiere Checking with ADB† $500 or more                    Free

Premiere Checking with ADB† less than $500                 $5.00 per month
(or no Direct Deposit within the month)

Premiere Business Checking                                                  Free

Overdraft Protection Transfer                                                $10.00 per transfer

Return Item (NSF)                                                                        $38.00

Overdraft/Courtesy Pay                                                            $38.00

Stop Payment                                                                               $38.00

Certified Share Draft                                                                  $15.00

Temporary Share Drafts (4 minimum)                               $1.00 for 4

Personal Check Printing                                                          Prices may vary depending upon style  

Electronic Access Fees 

Online Banking including Bill Pay, Mobile Banking, and Text Banking                  Free

MAXX Phone Banking                                                               Free

CFCU CheckCard                                                                       $1.00 per month‡
                                                                                                         (Free with Premiere Checking and eChecking)

Transactions & Inquiries at CFCU-owned ATMs           Free

Network Transactions & Inquiries at non-proprietary ATMs                                      $1.50 per transaction

Card Replacement with standard mailing                    $10.00  

IRA Share Account Fees 

IRA/ESA New Plan Account                                                 $10.00

IRA/ESA Direct Transfer Withdrawal                               $25.00  

*Free when requested through Online Banking.
†These services are free when obtained through Online Banking or MAXX Phone Banking.
‡This fee is charged if you make 1 or more purchases at a merchant location in a calendar month.