Current Rates

Auto Loan Rates

Rates shown are as low as

Model YearUp to 48 Months*49-63 Months*64-75 Months*76-84 Months*
20202.75% APR3.00% APR3.50% APR4.25% APR
20192.75% APR3.00% APR3.50% APR4.25% APR
20182.75% APR3.00% APR3.50% APR4.25% APR
20172.75% APR3.00% APR3.50% APR4.25% APR
20163.25% APR3.50% APR
20153.25% APR3.50% APR
20143.25% APR3.50% APR
20133.75% APR
20123.75% APR
20113.75% APR
20103.75% APR

*Annual Percentage Rate. 2.75% includes .25% discount for automatic payments. 2.75% rate is offered on new or used (2017 or newer) vehicles, for members with excellent credit history on terms to 48 months. Payment example: $20,000 loan amount with a 4-year term at 2.75% would have bi-weekly payments of $203.41 or $10.17 per $1,000 borrowed. Other rates and terms are available. Rates subject to change. Not available for refinance of existing CAFCU loans.

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Mortgages & Home Loans

DescriptionMaximum AmountMinimum TermAnnual Percentage Rate
Home Equity Loans80% Loan to Value15 years / 7 years drawAs low as 5.50%
Closed End Fixed Rate 2nd Mortgage$100,000121 to 180 monthsAs low as 7.00%
Closed End Fixed Rate 2nd Mortgage$100,00061 to 120 monthsAs low as 6.00%
Closed End Fixed Rate 2nd Mortgage$100,000Up to 60 monthsAs low as 5.00%
5/5 Adjustable Rate Mortgage95% Loan to Value30 yearsApply Now!
Mortgage Loans 1st MortgagesClick HereClick HereApply Now!

*All loans are subject to credit approval and program guidelines. Rate may vary based on individual credit worthiness. All terms and conditions are subject to change at any time.

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VISA Platinum

DescriptionMaximum AmountAnnual Percentage Rate
Visa Platinum Card$25,000As low as 11.00%

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Personal Signature Loans

Rates shown are as low as

DescriptionMaximum AmountMaximum TermAnnual Percentage Rate
Overdraft Line of Credit$10,000Open-End15.00%
LifeStyle Access Line of Credit$20,000Open-EndAs low as 8.25%
Share Secured100% of Shares48 months3.75% + Share Rate Minimum 5.0%
Personal Loan$25,00060 monthsAs low as 7.50%
Share Certificate Secured100% of SharesCertificate Maturity Date2.75% + Cert Rate Minimum 5.0%

*Annual Percentage Rate. Rates shown reflect .25% discount for automatic payment option. Rates subject to change at any time and are based on credit history and income. Rate and term may vary based on individual credit worthiness.

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Boat/RV Loans

Rates shown are as low as

Model YearUp to 60 months61-120 months121-144 months
20204.00% APR5.00% APR6.00% APR
20194.00% APR5.00% APR6.00% APR
20184.00% APR5.00% APR6.00% APR
20174.00% APR5.00% APR6.00% APR
20165.00% APR6.00% APR
20155.00% APR6.00% APR
20145.00% APR6.00% APR
20136.00% APR7.00% APR
20126.00% APR7.00% APR
20116.00% APR7.00% APR
20108.00% APR
20098.00% APR
20088.00% APR

*Annual percentage rate. Rates current as of 9/1/2019 and subject to change without notice. On approved credit. Other rates and terms may apply. Rates shown reflect .25% discount for automatic payment option. 100% financing with no down payment required on 2014 and newer models; 90% financing available on model years 2011 -2013; 80% financing available on 2007 – 2010 models.

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Share Rates

DescriptionBalanceDividend RateAnnual Percentage Yield
Regular Share Savings
$25-$2,500
.05%.05%
$2,500+.05%.05%
Honors Checking
(if requirements met)
$0-$5,0003.92%4.00%
$5,000+.05%.05%
Honors Checking
(if requirements not met)
$0+.05%.05%
Student Honors Checking
(if requirements met)
$0-$5,0001.98%2.00%
$5,000+.05%.05%
Students Honors Checking
(if requirements not met)
$0+.05%.05%
Summer Savings / Check$0+.05%.05%
IRA Accumulation$0+.20%.20%
Christmas Club$0+.05%.05%
Summer Savings / Transfer$0+.05%.05%

Certificate Rates

DescriptionTermMinimumDividend RateAnnual Percentage Yield
Share Certificate91 Day$5000.35%0.35%
Share Certificate6 Month$5001.24%1.25%
Share Certificate12 Month$1,0001.98%2.00%
Share Certificate18 Month$1,0002.08%2.10%
Share Certificate24 Month$1,0002.23%2.25%
Share Certificate30 Month$1,0002.27%2.30%
Share Certificate36 Month$1,0002.47%2.50%
Share Certificate48 Month$1,0002.71%2.75%
Bump-Up Share Certificate 60 Months $5,0002.96%3.00%

Money Market Accounts

BalanceDividend RateAnnual Percentage Yield
$2,500 - $9,999.99.45%.45%
$10,000 - $24,999.99.55%.55%
$25,000 - $49,999.99.70%.70%
$50,000 - $99,999.99.75%.75%
$100,000.00+.80%.80%

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