| CFCCU Home > Financial Services > Current Rates
Current Rates
(effective as of 11/20/08)
Auto Loans
New Vehicles
(2007, 2008, and newer model years with 20,000 miles or less)
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APR as Low As: * |
APR as Low As: * |
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10% Down Payment
|
0%Down Payment |
| 36 Months |
5.19% APR |
5.44% APR |
| 48 Months |
5.19% APR |
5.44% APR |
| 60 Months |
5.19% APR |
5.44% APR |
| 66 Months |
5.44% APR |
5.69% APR |
| 72 Months* |
5.94% APR |
n/a |
| * Value of vehicle must exceed $20,000 for 72 Month loan |
| Examples of Repayment Terms |
Used Vehicles
2005 - 2006 (or newer model years with over 20,000 miles)
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NADA Wholesale Value
|
NADA Retail Value
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| 48 Months |
5.44% APR |
5.94% APR |
| 60 Months |
5.69% APR |
6.19% APR |
| 66 Months |
6.19% APR |
6.44% APR |
| Examples of Repayment Terms |
Used Vehicles
2002 - 2004
Used Vehicles
2001
& Older
Consumer Goods Loans
Includes fold-down campers, garden tractors, off-road motorcycles, mopeds, scooters, ATV's, snowmobiles, computers, household goods, and appliances
New Items
Used Items
Closed End Personal Loans
* Annual Percentage Rate (APR) is based on credit score. Rates subject to change without notice.
Credit Cards
No annual fee; no cash advance or balance transfer fees;
25-day grace period on purchases
| VISA Classic Card |
11.90% APR |
| VISA Gold Card |
9.90% APR |
| Variable Rate MasterCard |
6.00% APR** |
| Prime Rate as of October 30, 2008 = 4.00% APR |
**The rate on the Variable Rate MasterCard is subject to change; it is equal to Prime + 2.00%.
Home Equity Line of Credit
(Open End, Variable Rate)
Rate = Wall Street Journal Prime Rate minus 0.5%, Adjusted Quarterly
(Minimum APR = 5.00% - Maximum APR = 21%)
5.00% APR
Fees (Mortgage Recording Fees, Flood Determination, Title Search) to open a Home Equity Line of Credit will typically range from $175 - $225
Fixed Rate Home Equity Loans
15 Year Amortization with Balloon Feature
Fixed Rate Home Improvement Loans
Mortgage
Mortgage Rates (for the purchase of a home or refinancing an existing mortgage) can change frequently -- sometimes daily, or even hourly! Your best option for determining current available rates is to call a member of the CFCCU lending staff at:
Main Office (Downtown Cedar Falls): 319-266-7531
Industrial Park Branch Office: 319-277-3690
Student Loans
Going to school? CFCCU can help get you there! Come by our offices and pick up a Student Loan Information packet. Or go online to the Iowa College Student Aid Commission at http://www.iowacollegeaid.org/ (this link will open in a new window).
Share Certificates
Rates as of 11/20/2008
Subject to Change Without Notice |
$1,000 Minimum
Penalty for Early Withdrawal |
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Term |
Dividend Rate |
APY |
| 7 Month Special |
2.77% |
2.80% |
| 10 Month Special |
3.46% |
3.50% |
| 25 Month Special |
3.85% |
3.90% |
| 37 Month Special |
4.24% |
4.30% |
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7 Month
$100,000 Minimum |
2.97% |
3.00% |
10 Month
$100,000 Minimum |
3.65% |
3.70% |
25 Month
$100,000 Minimum |
4.04% |
4.10% |
37 Month
$100,000 Minimum |
4.43% |
4.50% |
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| 3 Months |
1.98% |
2.00% |
| 6 Months |
2.28% |
2.30% |
| 12 Months |
2.28% |
2.30% |
| 24 Months |
2.97% |
3.00% |
| 30 Months |
3.16% |
3.20% |
| 36 Months |
3.36% |
3.40% |
36 Month
Step-Up Certificate * |
4.04% |
4.10% |
| 48 Months |
3.75% |
3.80% |
| 60 Months |
3.94% |
4.00% |
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| * Member can "Step-Up" the rate one time during the term of the certificate to the rate being paid at that time on regular certificates of similar term. |
Special Youth Certificate
Available ony for Members under Age 18
$100 Minimum -- Penalty for Early Withdrawal
Certificate may be added to at any time |
3 Month
Add-On Certificate |
3.11% |
3.15% |
Savings (Share) and Checking (Share Draft) Accounts
Share Accounts |
Annual Percentage Yeilds are accurate as of the last dividend declaration date of 11/18/2008
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Account Type |
Minimum
(to earn dividend) |
Dividend Rate |
APY |
(S1)
Share Savings |
$100 |
0.50% |
0.50% |
(S2)
DID |
$50 |
1.00% |
1.01% |
(S3)
Secondary Savings |
$100 |
0.75% |
0.75% |
(S4)
Christmas Club* |
$5 |
0.75% |
0.75% |
(S5)
IRA Shares |
$5 |
1.25% |
1.26% |
(S7)
Share Draft |
$500 |
0.25% |
0.25% |
(S8)
Vacation Club |
$5 |
0.75% |
0.75% |
(S10)
Roth IRA |
$5 |
1.25% |
1.26% |
(S11)
Share Plus
|
$50-$999.99 |
1.00% |
1.01% |
| $1,000 & Above |
1.25% |
1.26% |
(S21)
Super Money Market Account Tiered Account
|
$1,000 - $24,999.99 |
1.25% |
1.26% |
| $25,000 - $49,999.99 |
1.50% |
1.51% |
| $50,000 - $99,999.99 |
2.00% |
2.02% |
$100,000
& Above* |
2.50% |
2.53% |
(S9) Youth Account
(S13) Teen Account
|
$5 - $99.99 |
0.75% |
0.75% |
| $100 - $499.99 |
1.00% |
1.01% |
| $500 - $999.99 |
1.25% |
1.26% |
$1,000
& Above |
1.50% |
1.51% |
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* Special Note on Christmas Club & Vacation Club Accounts: Fees may reduce earnings on accounts
APY = Annual Percentage Yield
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