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*
20212.60% APR*2.75% APR*2.95% APR*3.70% APR*
20202.60% APR*2.75% APR*2.95% APR* 3.70% APR*
20192.60% APR*2.75% APR*2.95% APR*3.70% APR*
20182.60% APR*2.75% APR*2.95% APR*3.70% APR*
20173.10% APR*3.25% APR*
20163.10% APR*3.25% APR*
20153.10% APR*3.25% APR*
20143.60% APR*
20133.60% APR*
20123.60% APR*
20113.60% APR*

 

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*Annual percentage rate. Rates current as of 10/01/2020 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 on 2018 or newer models. Payment example: $20,000 loan amount with a 4-year term at 2.60% would have bi-weekly payments of $202.79 or $10.14 per $1,000 borrowed.  Not available for refinance of existing CAFCU loans.

Mortgages & Home Loans

DescriptionMaximum AmountMinimum TermAnnual Percentage Rate
Home Equity Loans90% Loan to Value15 years / 7 years drawAs low as 3%
Closed End Fixed Rate 2nd Mortgage$100,000121 to 180 monthsAs low as 3.5%
Closed End Fixed Rate 2nd Mortgage$100,00061 to 120 monthsAs low as 3.25%
Closed End Fixed Rate 2nd Mortgage$100,000Up to 60 monthsAs low as 3.25%
5/5 Adjustable Rate Mortgage95% Loan to Value30 yearsApply Now!
Mortgage Loans 1st MortgagesLearn MoreLearn MoreAs low as 3.215% APR

*Effective 10.01.2020. Annual percentage rate is representative of rate & closing costs based on loan amount of $150,000, fixed term of 30 or 15 years with standard closing costs which do not included pre-paid interest or optional owners title insurance. Rate is subject to change without notice.  All mortgage loans are subject to approved credit.

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VISA Platinum

DescriptionMaximum AmountAnnual Percentage Rate
Visa Platinum Card$25,000As low as 9.25%

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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 6.25%
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 for closed-end loans reflect .25% discount for automatic payment option. There is no rate discount on lines of credit. 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
20214.00% APR5.00% APR6.00% APR
20204.00% APR5.00% APR6.00% APR
20194.00% APR5.00% APR6.00% APR
20184.00% APR5.00% APR6.00% APR
20175.00% APR6.00% APR
20165.00% APR6.00% APR
20155.00% APR6.00% APR
20146.00% APR7.00% APR
20136.00% APR7.00% APR
20126.00% APR7.00% APR
20118.00% APR
20108.00% APR
20098.00% APR
20088.00% APR

*Annual percentage rate. Rates current as of 06/01/20 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 on 2018 or newer models. 100% loan to value financing with no down payment required on 2015 and newer models; 90% loan to value financing available on model years 2012 -2014; 80% loan to value financing available on 2008 – 2011 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 (Share and IRA)

DescriptionTermMinimumDividend RateAnnual Percentage Yield
Share Certificate91 Day$500.25%.25%
Share Certificate6 Month$500.40%.40%
Share Certificate12 Month$1,000.60%.60%
Share Certificate18 Month$1,000.70%.70%
Share Certificate24 Month$1,000.80%.80%
Share Certificate30 Month$1,000.85%.85%
Share Certificate36 Month$1,000.90%.90%
Share Certificate48 Month$1,0001.00%1.00%
Bump-Up Share Certificate- Not availible for IRA. 60 Months $5,0001.09%1.10%

Money Market Accounts

BalanceDividend RateAnnual Percentage Yield
$2,500 - $9,999.99.10%.10%
$10,000 - $24,999.99.20%.20%
$25,000 - $49,999.99.25%.25%
$50,000 - $99,999.99.35%.35%
$100,000.00+.40%.40%

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