Rates and Fees

Rates and Fees

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Deposit Rates

Table data for Savings & Goal Savings Account Rates
Rates as of 12/1/18
Average 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 12/1/2018
Type	Average Daily Balance	Annual Percentage Yield (APY)¹	Alert Me
Classic	Minimum $200 to earn APY	0.01%	Receive a notification when this rate changes

Premier	Minimum $500 to earn APY	0.03%	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 Money Market Savings Rates
Rates as of 12/12/18
Average Daily Balance¹	Annual Percentage Yield (APY)²	Alert Me
$2,500 to $9,999.99	0.12%	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 12/12/2018
Average Daily Balance	Annual Percentage Yield (APY)¹	Alert Me
Minimum $100 to earn APY	0.50%	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 12/1/18
Term	Annual Percentage Yield (APY)¹	Alert Me
12 month	0.40%	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 12/12/18
Term	Annual Percentage Yield (APY)¹	Alert Me
3 Month Plus	0.20%	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	0.85%	Receive a notification when this rate changes

36 Month Plus	1.10%	Receive a notification when this rate changes

48 Month Plus	1.35%	Receive a notification when this rate changes

60 Month	1.75%	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 12/1/182
Term	Annual Percentage Yield (APY)¹	Alert Me
3 Month Plus	0.25%	Receive a notification when this rate changes

6 Month Plus	0.45%	Receive a notification when this rate changes

12 Month Plus	0.70%	Receive a notification when this rate changes

24 Month Plus	0.95%	Receive a notification when this rate changes

36 Month Plus	1.20%	Receive a notification when this rate changes

48 Month Plus	1.45%	Receive a notification when this rate changes

60 Month	1.85%	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 $100,000 minimum to open and earn APY
Rates as of 12/12/18
Term	Annual Percentage Yield (APY)¹	Alert Me
3 Month Plus	0.30%	Receive a notification when this rate changes

6 Month Plus	0.60%	Receive a notification when this rate changes

12 Month Plus	0.85%	Receive a notification when this rate changes

24 Month Plus	1.10%	Receive a notification when this rate changes

36 Month Plus	1.35%	Receive a notification when this rate changes

48 Month Plus	1.60%	Receive a notification when this rate changes

60 Month	2.00%	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 12/1/2018
	Annual Percentage Rate as low as	Term	Payment per $1,000	Alert Me
Newer Autos/Motorcycles 2017 - 2020	3.00%	up to 36 months	$29.04 at 36 mo	Receive a notification when this rate changes

Newer Autos/Motorcycles 2017 - 2020	3.85%	37-60 months	$18.36 at 60 mo	Receive a notification when this rate changes

Newer Autos/Motorcycles 2017 - 2020	4.50%	61-72 months	$15.88 at 72 mo	Receive a notification when this rate changes

Newer Autos/Motorcycles 2017 - 2020	6.00%	73-84 months	$14.62 at 84 mo	Receive a notification when this rate changes

Used Autos/Motorcycles 2016 and older	4.75%	up to 60 months	$18.78 at 60 mo	Receive a notification when this rate changes

Used Autos/Motorcycles 2016 and older	6.00%	61-72 months	$16.60 at 72 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 Visa Credit Card Rates
Rates as of 12/1/2018
	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	11.74% - 17.74%¹	11.74% - 17.74%¹	11.74% - 17.74%¹	None	None	Receive a notification when this rate changes

Classic Visa	12.65% - 17.75%¹	12.65% - 17.75%¹	12.65% - 17.75%¹	None	None	Receive a notification when this rate changes

Platinum Visa	11.24% - 17.24%¹	11.24% - 17.24%¹	11.24% - 17.24%¹	None	None	Receive a notification when this rate changes

Secured Visa	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 12/1/2018
Annual Percentage Rate as low as	Term	Alert Me
3.90%¹	12 months	Receive a notification when this rate changes

4.90%	24 months	Receive a notification when this rate changes

5.90%	36 months	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

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.↵

Table data for Recreational Loan Rates
Rates as of 12/1/18
	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 months¹	$14.62 at 84 mo	Receive a notification when this rate changes

Boat/Camper/Motor Home	6.50%	up to 120 months²	$11.12 at 120 mo	Receive a notification when this rate changes

Boat/Camper/Motor Home	7.25%	up to 180 months²	$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.
¹$10,000 minimum loan amount required.↵ ²$15,000 minimum loan amount required.↵

Table data for Home Equity Loan Rates
Rates as of 12/1/18
Annual Percentage Rate as low as	Term	Alert Me
3.75%	60 months	Receive a notification when this rate changes

4.75%	120 months	Receive a notification when this rate changes

5.50%	180 months	Receive a notification when this rate changes

6.50%	240 months	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. Payment per $1,000 at 3.50% for 60 months = $18.14. Payment per $1,000 at 4.50% for 120 months = $10.34. Payment per $1,000 at 5.50% for 180 months = $8.14. Payment per $1,000 at 6.50% for 240 months = $7.428. Payment examples do not include property taxes and insurance premiums.

Table data for Home Equity Line of Credit (HELOC) Rates
Rates as of 12/1/2018
Annual Percentage Rate as low as	Draw Period	Alert Me
5.25% 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 and Club Account Rates
Rates as of 12/12/18
Average Daily Balance	Annual Percentage Yield (APY)¹	Alert Me
Minimum $100 to earn APY	0.10%	Receive a notification when this rate changes

Truth in Savings Disclosure
¹Compounded Monthly↵

Table data for Premier Business Checking Rates
Rates as of 12/12/18
Average Daily Balance	Annual Percentage Yield (APY)¹	Alert Me
$1,000-$24,999.99	0.10%	Receive a notification when this rate changes

$25,000-$49,999.99	0.12%	Receive a notification when this rate changes

$50,000-$99,999.99	0.15%	Receive a notification when this rate changes

$100,000 and over	0.20%	Receive a notification when this rate changes

¹Compounded Monthly↵

Table data for Business Money Market Savings Rates
Rates as of 12/12/18
Average Daily Balance	Annual Percentage Yield (APY)	Alert Me
$2,500 to $9,999.99	0.12%	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

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)

Safe Deposit Box Lost Key $15.00 if 1 of the 2 keys issued is lost

Safe Deposit Box Administrative/Drilling $50.00 Administrative Fee + Drilling Fee (price varies) - if both issued keys are lost and the box needs to be drilled to be opened

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.