Current Rates

Auto Loan Rates

Rates shown are as low as

Model YearUp to 48 Months³49-63 Months²64-75 Months76-84 Months¹
2020 or Newer2.39% APR*2.79% APR*3.19% APR*3.59% APR*
2015-20192.99% APR*3.59% APR*
2014 or Older4.49% APR*

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*APR = Annual percentage rate. Rates effective as of 07/01/2022 and subject to change without notice. On approved credit. Terms and conditions apply. Creditworthiness, age and mileage of vehicle, value of collateral, and loan amount can affect offered rate. Rates shown reflect .25% discount for automatic payment discount and on 2020 or newer models. Payment example: $20,000 loan amount with a 63 month term at 2.79% would have monthly payments of $342 or $17.10 per $1,000 borrowed. Not available for refinance of existing CAFCU loans.

¹Term of 84 months available on 2020 or newer vehicles with approved credit. 

²Max Term of 63 months available on 2015-2019 vehicles with approved credit. 

³Max Term Limited to 48 months on 2014 or older vehicles with approved credit.  

Mortgages & Home Loans

DescriptionMaximum AmountMinimum TermAnnual Percentage Rate
Home Equity Line of Credit (HELOC)90% Loan to Value25 years / 10 years drawAs low as 4.75%
Fixed Rate Home Equity Loan$200,000Up to 20 yearsAs low as 5.25%
Fixed Rate Home Equity Loan$200,000Up to 15 yearsAs low as 5.00%
Fixed Rate Home Equity Loan$200,000Up to 10 yearsAs low as 4.75%
Fixed Rate Home Equity Loan$200,000Up to 5 yearsAs low as 4.75%
Mortgage Loans 1st MortgagesLearn MoreLearn MoreAs low as 4.858% APR

*Effective 6.24.2022. Annual percentage rate is representative of rate & closing costs based on a loan amount of $150,000, fixed terms of 30 years with standard closing costs which do not include 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 10.75%

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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 7.75%
Share Secured100% of Shares48 months3.75% + Share Rate Minimum 5.00%
Personal Loan$25,00072 monthsAs low as 6.99%
Share Certificate Secured100% of SharesCertificate Maturity Date2.75% + Cert Rate Minimum 5.00%

*APR = Annual percentage rate. Rates effective as of 07/01/2022 and subject to change without notice. On approved credit. Other rates and terms may apply based on individual creditworthiness. Personal Loan Rates shown reflect .25% discount for automatic payment discount. Payment example for Personal Loan: $10,000 loan amount with a 36 month term at 6.99% would have monthly payments of $308 or $30.80 per $1,000 borrowed.  Not available for refinance of existing CAFCU loans.

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Boat/RV Loans

Share Rates

DescriptionBalanceDividend RateAnnual Percentage Yield
Regular Share Savings
$5
.05%.05%
IRA Accumulation$0+.20%.20%
Christmas Club$5+.05%.05%
Summer Savings $5+.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$1,000.50%.50%
Share Certificate18 Month$1,000.55%.55%
Share Certificate24 Month$1,000.60%.60%
Share Certificate30 Month$1,000.65%.65%
Share Certificate36 Month$1,000.75%.75%
Share Certificate48 Month$1,000.90%.90%
Bump-Up Share Certificate- Not availible for IRA. 60 Months $5,0001.00%1.00%

Money Market Accounts

BalanceDividend RateAnnual Percentage Yield
$2,500 - $9,999.99.10%.10%
$10,000 - $24,999.99.15%.15%
$25,000 - $49,999.99.20%.20%
$50,000 - $99,999.99.25%.25%
$100,000.00+.30%.30%

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