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*
20193.00% APR3.50% APR4.00% APR4.50% APR
20183.00% APR3.50% APR4.00% APR4.50% APR
20173.00% APR3.50% APR4.00% APR4.50% APR
20163.50% APR4.00% APR4.50% APR
20153.50% APR4.00% APR4.50% APR
20143.50% APR4.00% APR4.50% APR
20134.50% APR5.00% APR
20124.00% APR4.50% APR
20114.00% APR4.50% APR
20104.00% APR4.50% APR

*Annual Percentage Rate. 3.00% includes .25% discount for CAFCU checking with direct deposit and .25% discount for automatic payments. 3.00% 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 3.00% would have bi-weekly payments of $204.44 or $10.23 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 11.50%

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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 10.50%
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 and a .25% discount for Class Act FCU checking with direct deposit. 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
20194.00% APR5.00% APR5.50% APR
20184.00% APR5.00% APR5.50% APR
20174.00% APR5.00% APR5.50% APR
20165.00% APR6.00% APR6.50% APR
20155.00% APR6.00% APR6.50% APR
20145.00% APR6.00% APR6.50% APR
20136.00% APR7.00% APR
20126.00% APR7.00% APR
20116.00% APR7.00% APR
201010.00% APR
200910.00% APR
200810.00% APR
200710.00% APR

*Annual percentage rate. Rates current as of 1/1/2019 and subject to change without notice. On approved credit. Other rates and terms may apply. Rates shown reflect .25% discount for automatic payment option, and a .25% discount for Class Act FCU checking with direct deposit. 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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