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Rates and Fees

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Deposit Rates

Table data for Savings & Goal Savings Account Rates
 Rates as of 10/1/2021
Daily Balance Annual Percentage Yield (APY)1 Alert Me
Minimum $100 to earn APY 0.05% Receive a notification when this rate changes

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

Table data for Checking Account Rates
 Rates as of 10/1/2021
Type Daily Balance1 Annual Percentage Yield (APY)2 Alert Me
Transformation Minimum $1,000 to earn APY 0.03% Receive a notification when this rate changes

Truth in Savings Disclosure
  • 1Minimum to earn APY, $1,000.↵
  • 2Compounded Monthly. The APY is a variable rate and may change after the account is opened. Fees may reduce earnings.↵

Table data for Money Market Savings Rates
 Rates as of 10/1/2021
Daily Balance1 Annual Percentage Yield (APY)2 Alert Me
$2,500 to $9,999.99 0.10% Receive a notification when this rate changes
$10,000 to $24,999.99 0.15% Receive a notification when this rate changes
$25,000 to $49,999.99 0.20% Receive a notification when this rate changes
$50,000 to $99,999.99 0.25% Receive a notification when this rate changes
$100,000 and over 0.30% Receive a notification when this rate changes

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.↵

Table data for IRA Savings Rates
 Rates as of 10/1/2021
Daily Balance Annual Percentage Yield (APY)1 Alert Me
Minimum $100 to earn APY 0.30% Receive a notification when this rate changes
  • 1Compounded Monthly. The APY is a variable rate and may change after the account is opened. Fees may reduce earnings.↵

Table data for Lucky Savers Certificate - $25 minimum to open and earn APY
 Rates as of 10/1/2021
Term Annual Percentage Yield (APY)1 Alert Me
12 month 0.45% Receive a notification when this rate changes
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↵

Table data for Certificates with $500 minimum to open and earn APY.
 Rates as of 10/1/2021
Term Annual Percentage Yield (APY)1 Alert Me
3 Month Plus 0.15% Receive a notification when this rate changes
6 Month Plus 0.20% Receive a notification when this rate changes
12 Month Plus 0.45% Receive a notification when this rate changes
24 Month Plus 0.65% Receive a notification when this rate changes
36 Month Plus 0.75% Receive a notification when this rate changes
48 Month Plus 0.80% Receive a notification when this rate changes
60 Month 0.85% Receive a notification when this rate changes
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↵

Table data for Certificates with $25,000 minimum to open and earn APY
 Rates as of 10/1/2021
Term Annual Percentage Yield (APY)1 Alert Me
3 Month Plus 0.20% Receive a notification when this rate changes
6 Month Plus 0.25% Receive a notification when this rate changes
12 Month Plus 0.50% Receive a notification when this rate changes
24 Month Plus 0.70% Receive a notification when this rate changes
36 Month Plus 0.80% Receive a notification when this rate changes
48 Month Plus 0.85% Receive a notification when this rate changes
60 Month 0.90% Receive a notification when this rate changes
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↵

Table data for Certificates with $100,000 minimum to open and earn APY
 Rates as of 10/1/2021
Term Annual Percentage Yield (APY)1 Alert Me
3 Month Plus 0.25% Receive a notification when this rate changes
6 Month Plus 0.35% Receive a notification when this rate changes
12 Month Plus 0.60% Receive a notification when this rate changes
24 Month Plus 0.80% Receive a notification when this rate changes
36 Month Plus 0.90% Receive a notification when this rate changes
48 Month Plus 0.95% Receive a notification when this rate changes
60 Month 1.00% Receive a notification when this rate changes
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

Table data for Auto Loan Rates
 Rates as of 10/1/2021
Annual Percentage Rate as low as Term Payment per $1,000 Alert Me
Newer Autos/Motorcycles 2020 - 2022 2.50% up to 36 months $28.97
at 36 mo		 Receive a notification when this rate changes
Newer Autos/Motorcycles 2020 - 2022 2.75% up to 48 months $22.13
at 48 mo		 Receive a notification when this rate changes
Newer Autos/Motorcycles 2020 - 2022 3.00% up to 66 months $16.57
at 66 mo		 Receive a notification when this rate changes
Newer Autos/Motorcycles 2020 - 2022 3.50% up to 75 months $14.98
at 75 mo		 Receive a notification when this rate changes
Newer Autos/Motorcycles 2020 - 2022 4.00% up to 84 months $13.78
at 84 mo		 Receive a notification when this rate changes
Used Autos/Motorcycles 2018 - 2019 2.75% up to 36 months $29.03
at 60 mo		 Receive a notification when this rate changes
Used Autos/Motorcycles 2018 - 2019 3.25% up to 48 months $22.36
at 36 mo		 Receive a notification when this rate changes
Used Autos/Motorcycles 2018 - 2019 3.50% up to 66 months $16.79
at 48 mo		 Receive a notification when this rate changes
Used Autos/Motorcycles 2018 - 2019 3.75% up to 78 months $14.58
at 66 mo		 Receive a notification when this rate changes
Used Autos/Motorcycles 2016 - 2017 4.50% up to 72 months $15.87
at 72 mo		 Receive a notification when this rate changes
Used Autos/Motorcycles 2014 - 2015 5.25% up to 60 months $18.99
at 60 mo		 Receive a notification when this rate changes
Used Autos/Motorcycles 2010 - 2013 5.50% up to 48 months $23.26
at 48 mo		 Receive a notification when this rate changes
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.

Table data for Credit Card Rates
 Rates as of 10/1/2021
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 9.99% - 15.99%1 9.99% - 15.99%1 9.99% - 15.99%1 None None Receive a notification when this rate changes
Rewards Elite 10.49% - 16.49% 10.49% - 16.49% 10.49% - 16.49% None None Receive a notification when this rate changes
Classic 10.90% - 16.00%1 10.90% - 16.00%1 10.90% - 16.00%1 None None Receive a notification when this rate changes
Secured 17.00% 17.00% 17.00% None None Receive a notification when this rate changes
  • 1Based on your creditworthiness on account opening. This APR will vary with the market based on the Prime Rate.↵

Table data for Personal Loan Rates
 Rates as of 10/1/2021
Annual Percentage Rate as low as Term Alert Me
3.90% Up to 36 months (Maximum loan amount of $5,000) Receive a notification when this rate changes
4.90% Up to 36 months (Maximum loan amount of $10,000) Receive a notification when this rate changes
6.90% 36 months (for loan amounts above $10,000) Receive a notification when this rate changes
8.90% 48 months Receive a notification when this rate changes
9.90% 60 months Receive a notification when this rate changes
Rates 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.

Table data for Recreational Loan Rates
 Rates as of 10/1/2021
Annual Percentage Rate as low as Term Payment per $1,000 Alert Me
ATV/Snowmobile/Dirt Bike/Lawn Tractor/Boat/Camper/Motor Home/etc 5.00% up to 36 months $30.00
at 36 mo		 Receive a notification when this rate changes
ATV/Snowmobile/Dirt Bike/Lawn Tractor/Boat/Camper/Motor Home/etc 5.75% up to 60 months $19.24
at 60 mo		 Receive a notification when this rate changes
ATV/Snowmobile/Dirt Bike/Lawn Tractor/Boat/Camper/Motor Home/etc 6.00% up to 84 months (Minimum loan amount $10,000) $14.62
at 84 mo		 Receive a notification when this rate changes
Boat/Camper/Motor Home (2017-2022) 6.50% up to 120 months (Minimum loan amount $10,000) $11.12
at 120 mo		 Receive a notification when this rate changes
Boat/Camper/Motor Home (2020-2022) 7.25% up to 180 months (Minimum loan amount $12,500) $9.14
at 180 mo		 Receive a notification when this rate changes
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.

Table data for Marine Loan Rates
 Rates as of 10/1/2021
Annual Percentage Rate as low as Term Payment per $1,000 Alert Me
Boat 4.99% up to 60 months $18.83
at 60 mo		 Receive a notification when this rate changes
Boat 5.75% up to 84 months $14.50
at 84 mo		 Receive a notification when this rate changes
Boat (2018-2022) 5.55% up to 120 months (Minimum loan amount $10,000) $10.89
at 120 mo		 Receive a notification when this rate changes
Boat (2019-2022) 5.35% up to 180 months (Minimum loan amount $15,000) $8.10
at 180 mo		 Receive a notification when this rate changes
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.

Table data for Home Equity Loan Rates
 Rates as of 10/1/2021
Annual Percentage Rate as low as Term Payment per $1,000 Alert Me
3.25% 60 months $18.08 at 60 mo. Receive a notification when this rate changes
3.75% 120 months $10.01 at 120 mo. Receive a notification when this rate changes
4.00% 180 months $7.40 at 180 mo. Receive a notification when this rate changes
4.50% 240 months $6.33 at 240 mo. Receive a notification when this rate changes
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.

Table data for Home Equity Line of Credit (HELOC) Rates
 Rates as of 10/1/2021
Annual Percentage Rate as low as Draw Period Alert Me
3.25% variable rate1 15 years Receive a notification when this rate changes
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

Table data for Business Savings Account Rates
 Rates as of 10/1/2021
Daily Balance Annual Percentage Yield (APY)1 Alert Me
Minimum $100 to earn APY 0.05% Receive a notification when this rate changes

Truth in Savings Disclosure
  • 1Compounded Monthly↵

Table data for Business Checking Account Rates
 Rates as of 10/1/2021
Type Daily Balance1 Annual Percentage Yield (APY) Alert Me
Business Minimum $1,000 to earn APY 0.02% Receive a notification when this rate changes
Business Rewards $1,000-$24,999.99 0.05% Receive a notification when this rate changes
Business Rewards $25,000-$49,999.99 0.08% Receive a notification when this rate changes
Business Rewards $50,000-$99,999.99 0.10% Receive a notification when this rate changes
Business Rewards $100,000 and over 0.12% Receive a notification when this rate changes
  • 1Compounded Monthly↵

Table data for Business Money Market Savings Rates
 Rates as of 10/1/2021
Daily Balance Annual Percentage Yield (APY) Alert Me
$2,500 to $9,999.99 0.10% Receive a notification when this rate changes
$10,000 to $24,999.99 0.15% Receive a notification when this rate changes
$25,000 to $49,999.99 0.20% Receive a notification when this rate changes
$50,000 to $99,999.99 0.25% Receive a notification when this rate changes
$100,000 to $240,999.99 0.30% Receive a notification when this rate changes
$250,000 and over 0.30% Receive a notification when this rate changes

Truth in Savings Disclosure

Mortgage Rates

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

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Mortgage Rate Tracker

HOME MORTGAGE DISCLOSURE ACT NOTICE

The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau's Web site (www.consumerfinance.gov/hmda).

BORROWER COMPLAINTS AND INQUIRIES

CFCU is registered with the New York State Superintendent of Financial Services. You may file complaints and obtain further information about CFCU by contacting the New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or at www.dfs.ny.gov.