Current Rates

Rates and terms are subject to change without prior notice.

Loan Rates
Savings Rates
Fees

Loan Rates

Auto Loans (New & Used)

Range from 5.25% to 15.25%
Terms from 24 Months to 72 Months

Recreational Vehicle Loans

Range from 7.25% to 15.25%
Terms from 24 Months to 84 Months

Large Collateral

Range from 7.25% to 15.25%
Terms from 24 Months to 72 Months

Share Secured Loans

Call for rates.

Examples

Type	Principal	Rate	Terms	Monthly Payment
Auto	$40,000	5.25%	60 Months	$759
RV	$25,000	7.25%	84 Months	$429
Large Collateral	$20,000	7.25%	72 Months	$343

Rates stated as Annual Percentage Rate (APR)
Rates, terms and conditions are subject to credit approval and collateral pledged.
This is not a guarantee of credit.

Current Rates

Rates Effective July 1, 2019

Tiers	Balance	APR*	APY**
Tier 1	$5.00-$24,999.99	0.55%	0.551%
Tier 2	$25,000.00-$49,999.99	0.65%	0.652%
Tier 3	$50,000.00-$99,999.99	0.80%	0.803%
Tier 4	$100,000.00 and over	1.10%	1.106%

*Annual Percentage Rate **Annual Percentage Yield Fees may reduce earnings. The Board of Directors will ratify the dividend rates once current income and available earnings, after required transfers to statutory reserves, are determined to exist.

If an account is set up as

Joint (Or)

All joint owners have access to the account information and may perform transactions without the consent of the other owner(s).

Joint (And)

All joint owners have access to the account information and may perform transactions only with the other owner(s) also signing prior to the transaction taking place.

POD(s)

In the event of the account owner(s) death the payable on death (POD) beneficiary(s) will be given the funds. If more than one beneficiary is named, the funds will be paid out proportionately to each beneficiary. The POD(s) must bring in a death certificate and personal identification prior to any funds being released from the account.

Fee Schedule

Rates Effective January 1, 2023

Debit Card Convenience Fee	$5/Transaction
Paper Statement Fee	$5 (only if we are signed up on E-statements and request a paper statement)
Excessive Withdrawal	$2 per withdrawal after 2 per month
Bad Address/Returned Statement	$5 per statement
Cashier’s Check	$5 per check
Dormant Account	$5 per month
Outgoing Wire	$15 (Domestic wires only)
Stop Payment	$15 per check
Returned Check	$25 from member *$15 made payable to member
Loan Payment Deferral	$40 (maximum 2 deferrals per loan per year) not all loans/members will qualify

How can we help you?

Loans

CCFCU offers loans on new and used vehicles, recreational vehicles and signature loans to meet your borrowing needs.

Rates as low as 5.25% on vehicle loans.

Come by the office to apply in person or print out an Application and e-mail or fax it to us.

Did you know you can finance your next car or truck with CCFCU right at the dealership? Look for the CUDL logo and ask the dealer to finance with YOUR credit union.