deposit-rates-button loan-rates1 fee-scedule


{slider Deposit Rates|closed}

Share Accounts

Account Type

Minimum Balance for Dividends

Dividend Rate APY*
(S1) Share Savings $100 0.20% 0.20%
(S2) DID $50 0.25% 0.25%
(S3) Secondary Savings $100 0.20% 0.20%
(S4) Christmas Club** $5 0.20% 0.20%
(S5) IRA Shares $100 0.25% 0.25%
(S7) Share Draft $500 0.05% 0.05%
(S8) Vacation Club** $5 0.20% 0.20%
(S10 and S15) Roth and Education IRA $100 0.25% 0.25%
(S17) Individual Development Account (IDA) $100 0.35% 0.35%
(S25) Health Savings Account (HSA) $100 0.75% 0.75%
(S11) Share Plus $50+ 0.25% 0.25%
(S21) Super Money Market Account

$1,000 – $24,999.99

$25,000 – $49,999.99

$50,000 – $99,999.99

$100,000 and Above

$250,000+

0.25%

0.60%

0.80%

1.10%

1.40%

0.25%

0.60%

0.80%

1.10%

1.40%

(S9) Youth Account
(S13) Teen Account

$5

0.20%

0.20%

*APY = Annual Percentage Yield – Rates may change after account is opened – Fees could reduce earnings on the account.
Public funds and financial institutions are not eligible for these rates. APY is accurate as of the last dividend declaration date. Please call for details.

Share Certificates

$1000 Minimum — Penalty for early withdrawal

Term Dividend Rate APY*
7 Month Special 1.30% 1.31%
10 Month Special 1.89% 1.90%
15 Month Special 1.80% 1.81%
18 Month Step-up Certificate*  3.00% 3.03%
25 Month Special 2.53% 2.55%
37 Month Special 2.87% 2.90%

41 Months Step-Up Certificate*

*Member can “Step-Up” the rate one time during the term of the certificate to the rate being paid at the time on regular certificates of similar term. 

3.31% 3.35%
 
3 Months 0.25% 0.25%
6 Months 0.40% 0.40%
12 Months 0.40% 0.40%
24 Months 0.75% 0.75%
30 Months 0.80% 0.80%
36 Months 0.90% 0.90%

36 Months Step-Up Certificate*
*Member can “Step-Up” the rate one time during the term of the certificate to the rate being paid at the time on regular certificates of similar term.

2.62% 2.65%
48 Months 1.14% 1.15%
60 Months 1.29% 1.30%

60 Months Step-Up Certificate*
*Member can “Step-Up” the rate one time during the term of the certificate to the rate being paid at the time on regular certificates of similar term.

2.24%

2.26%

 

 

*APY = Annual Percentage Yield – Fees could reduce earnings on the account.  May be a penalty for early withdrawal.
Public funds and financial institutions are not eligible for these rates.  APY is accurate as of the last divident declaration date,  Please call for details.

 

   

JUMBO Certificates

$100,000 Minimum – Penalty for Early Withdrawal

   

Term

Dividend Rate APY*

  7 months

1.40% 1.41%

10 months

1.99% 2.00%

15 months

1.90% 1.91%

18 Months Step-up Certificate*

3.24% 3.28%

25 months

2.63% 2.65%

37 months

2.97% 3.00%

41 Months Step-Up Certificate*

 *Member can “Step-Up” the rate one time during the term of the certificate to the rate being paid at the time on regular certificates of similar term.

 

3.51% 3.56%

*APY = Annual Percentage Yield. Fees could reduce earnings on the account. May be a penalty for early withdrawal.
Public funds and financial institutions are not elegible for these rates.  APY is accurate as of the last dividend declaration date.

Special Youth Certificates

Term Dividend Rate APY*
3 Months
Add-On Certificate
0.70% 0.70% 
Available only for Members under Age 18
$100 Minimum — $30,000 Maximum — Penalty for early withdrawl
Certificate may be added to at any time

*APY = Annual Percentage Yield. Fees could reduce earnings on the accoun.t May be a penalty for early withdrawal.
Public funds and fiancial institutions are not eligible for these rates.  APY is accurate as of the last dividend declaration date. 

{slider Auto Loan Rates}

New Vehicles

New Vehicles 2017 & newer with 20,000 miles or less
  APR as Low As: *
  Up to NADA Retail  
48 Months 4.14% APR*  
60 Months 4.14% APR*  
66 Months 4.14% APR*  
72 Months 4.39% APR*  

* Annual Percentage Rate (APR). Rates, terms and conditions subject to change and vary based on creditworthiness, qualifications and collateral conditions.

Examples of Repayment Terms
Example: No down payment on a $20,000 purchase
Pay: $370 per month at 4.14% APR with a 60 month term
Example: No down payment on a $30,000 purchase
Pay: $475 per month at 4.39% APR with a 72 month term


Used Vehicles

 2016 Models Up to NADA Retail Value  
48 Months 4.24% APR*  
60 Months 4.24% APR*  
66 Months 4.34% APR*  
2015 Models Up to NADA Retail Value  
48 Months 4.24% APR*  
60 Months 4.24% APR*  
66 Months 4.59% APR*  
2014 Models Up to NADA Retail Value  
48 Months 4.24% APR*  
60 Month 4.24% APR*  
2013 Models Up to NADA Retail Value  
48 Months 4.69% APR*  
60 Months 4.89% APR*  
2012 Models Up to NADA Retail Value  
36 Months 4.69% APR*  
48 Months 4.69% APR*  
2011 Models Up to NADA Retail Value  
36 Months 4.69% APR*  
48 Months 4.74% APR*  
2010 Models Up to NADA Retail Value  
36 Months 4.69% APR*  
48 Months 4.94% APR*  
2009 Models Up to NADA Retail Value  
36 Months 7.69% APR*  
48 Months 7.94% APR*  

* Annual Percentage Rate (APR). Rates, terms and conditions subject to change and vary based on creditworthiness, qualifications and collateral conditions.

Examples of Repayment Terms
Example: 2013 model year vehicle—amount financed = NADA Retail Value
Pay: $283 per month for $15,000 borrowed at 4.89% APR with a 60 month term
Example: 2010 model year vehicle—amount financed = NADA Retail Value
Pay: $448 per month for $15,000 borrowed at 4.69% APR with a 36 month term

{slider Consumer Loan Rates}

Consumer Loan Rates

Includes fold-down campers, garden tractors, off-road motorcycles, mopeds, scooters, ATV’s, snowmobiles, computers, household goods, and appliances
New Items
  APR* as Low as
APR* as Low as              
  20% Down 0% Down           
36 Months 6.25% APR* 7.25% APR*
48 Months 7.25% APR* 8.25% APR*
     
Used Items
  20% Down
0% Down
24 Months 7.75% APR* 8.75% APR*
36 Months 8.75% APR* 9.75% APR*

 * Annual Percentage Rate (APR). Rates, terms and conditions subject to change and vary based on creditworthiness, qualifications and collateral conditions.

Examples of Repayment Terms
Example: 0% down borrowing $10,000.00 (used item)
Pay: $310 per month at 7.25% APR with a 36 month term
Example: 20% down borrowing $10,000 (new) item
Pay: $254 per month at 8.75% APR with a 36 month term

 

{slider Lifestyle Signature Loan Rates}

Lifestyle Signature Loans

 
  APR* as Low as
12 Months  6.00% APR*
24 Months  7.25% APR*
36 Months  8.50% APR*
48 Months 10.00% APR*
60 Months 10.50% APR*
   
Overdraft Protection Line of Credit 11.99% APR*

*Annual Percentage Rate (APR).  Rates, terms and conditions subject to change and vary based on creditworthiness, qualifications and collateral conditions.

Examples of Repayment Terms
Example: $3,000 Lifestyle Signature Loan
Pay: $258 per month at 5.50% APR with a 12 month term
Example: $5,000 Lifestyle Signature Loan
Pay: $158 per month at 8.50% APR with a 36 month term

 

{slider Real Estate Loan Rates}

Real Estate Loan Rates

Home Improvement Loans
 Check with Loan Officers for Exciting New Options!!    
 

    APR* as Low as    APR* as Low as  
    Unsecured       W/Mortgage
 36  Months    7.00%  5.50% APR*
 48  Months    7.00%  6.00% APR*
 60  Months    8.00%  6.25% APR*
 120 Months    10.00%  6.50% APR*
  • Unsecured loans have a maximum loan size of $67,500.
  • No requirement for loan to value or title search.
  • Minimum credit score and debt to income to qualify. 
   
Fixed Rate Home Equity Loans
 5 year (60 month)   4.60% APR*
 10 Year Special (120 month)****   4.59% APR*
 5.5 Year Balloon (66/180)**   5.00% APR*
 7 Year Balloon (84/180)**    5.15% APR*

10 Year Balloon (120/180)**

  5.30% APR*
  • Up to 85% combined LTV.
  • 100% financing is available. Contact us for rates!
  • ****CFCCU must be first mortgagee
   

 *Annual Percentage Rate based on credit score. Rates, terms and conditions subject to change without notice. Loans subject to credit approval. Certain restrictions apply.
** Fixed rate available as 5.5, 7, and 10 year balloons, all with amortizations up to 15 years. Rate expressed as Annual Percentage Rate* and subject to change. Appraisal fees may apply. See CFCCU Credit Union for details.

Example of Repayment Terms
Example: $40,000 10 year (120 month) fixed rate loan
Pay:Your monthly payment for $40,000 at 4.59% APR for 10 years is $417 a month.          

 

 

   
Home Equity Line of Credit (HELOC)

Rate = 5.00% APR***

 

Example of Repayment Terms

For $40,000 Home Equity Line of credit amortized for 180 months and a 5.00% APR, the monthly payment will be $316.32. Closing Fees to open a Home Equity Line of Credit will typically range from $240-$700 Appraisal may be required.

   

 ***5.00% APR* Rate.

Rate based on Wall Street Journal Prime Rate minus 0.5%, Adjusted Quarterly Floor APR =3.50% – Maximum APR = 21%)

 

   

Mortgage

Mortgage Rates for the purchase of a home or refinancing an existing first mortgage can change frequently — sometimes daily! Your best option for determining current available rates is to call the CFCCU mortgage lending staff at:

Main Office (Downtown Cedar Falls): 319-266-7531

Secure and Fair Enforcement for Mortgage Licensing Act of 2008

On July 28, 2010 the Nation Credit Union Association (NCUA) and other Federal Agencies published a final rule to implement the federal registration requirements of the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act). The registration requirements apply to all employees acting in the capacity of a Mortgage Loan Originator (MLO). The S.A.F.E. Act requires all MLO’s to register with the Nationwide Mortgage Licensing System and Registry (NMLS). Once registered, each MLO is provided a Unique Identifier from the NMLS. An MLO must provide this Unique Identifier to each mortgage loan applicant upon request and prior to the employee acting as an MLO.

Below is an attachment that includes the NMLS information for each MLO employed by the Credit Union.

Chad Kaeppel 445923
Lorrie Kane 658416
Danelle Brockway 658426
Micki Denner 658418
Kelli Aikey 658414
Helen Pearce 779985
Dawn Saterfield 24490
Joshua Hurley 1597955

 

 

 

 

 

 

 

 

 

 

For more information about the registry, please visit the NMLS at http://www.nmlsconsumeraccess.org/.

{slider Credit Card Rates}

Credit Card Rates

No annual fee
No cash advance or balance transfer fees
25-day grace period on purchases
MasterCard Gold Card 11.90% APR*
Master Card Platinum Card 9.90% APR*
Variable Rate MasterCard Classic 7.50% APR**
 

* Annual Percentage Rate (APR). Rates, terms and conditions subject to change and vary based on creditworthiness, qualifications and collateral conditions.

**The rate on the Variable Rate MasterCard is subject to change; it is equal to Prime + 2.00%.  Prime Rate as of October 1st, 2018 = 5.50% APR*

   

{slider Motor Homes/ Travel Trailers / Boats Rates}

Motor Homes/ Travel Trailers / Boats Rates
Amount of Loan $5,000  to $9,999 $10,000  to $14,999 $15,000  to $24,999 $25,000  to $49,999 Over  $50,000
Maximum Term 60 months 72 months 84 months

120 months

72 months fixed

180 months

 72 months fixed

Maximum Amount  Financed

Invoice  or  

Trade-In Value**

Invoice or  

Trade-In  Value**

Invoice or  

Trade-In Value**

Invoice or  

Trade-In Value**

Invoice or  

Trade-In Value**

2017 or Newer APR* as   low as 4.29% 4.54% 4.79% 5.29% 5.79%
2015 & 2016 APR* as   low as 4.79% 5.04% 5.29% 5.79% 6.29%
2013 & 2014 APR* as   low as 5.04% 5.29% 5.54% 6.04% 6.54%
2012 & Older APR* as   low as 5.29% 5.54% 5.79% 6.29% 6.79%
*APR =   Annual Percentage Rate. Rates, terms and conditions subject to change and vary based on credit-worthiness, qualifications and collateral conditions.
**Over Invoice or Trade in:  Add 0.50% to APR

Example of Repayment Terms
Example: Borrowing $20,000, with 25% down payment on 2017 or newer
Pay: $376 per month at 4.79% APR* with a 60 month term

Example: An example of using 120 month term – the rate is fixed for the first 7 years.  After the 7 year term expires the unpaid principal becomes due or it can be refinanced into another term and the then current rate.

Example: An example of using 180 month term – the rate is fixed for the first 7 years.  After the 7 year term expires the unpaid principal becomes due or it can be refinanced into another term and the then current rate.

 

{/sliders}