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Our Rates

Savings Compare

Compare Savings Accounts Regular Savings Christmas/Summer Savings Special Savings Money Market
Opening Balance Requirement $5.00 $5.00 $5.00 $2,500
Minimum Balance $5.00 $5.00 $5.00 $2,500
Monthly Service Fee $0.00 $0.00 $0.00 $0.00
Unlimited Transactions
Payroll Deductions Available
Dividend Bearing
Compare Savings Accounts
Regular Savings
$5.00
Christmas/Summer Savings
$5.00
Special Savings
$5.00
Money Market
$2,500
Regular Savings
$5.00
Christmas/Summer Savings
$5.00
Special Savings
$5.00
Money Market
$2,500
Regular Savings
$0.00
Christmas/Summer Savings
$0.00
Special Savings
$0.00
Money Market
$0.00
Regular Savings
Christmas/Summer Savings
Special Savings
Money Market
Regular Savings
Christmas/Summer Savings
Special Savings
Money Market
Regular Savings
Christmas/Summer Savings
Special Savings
Money Market

Checking Compare

Compare Checking Accounts Basic Checking Honors Checking Student Honor's Checking 16-24
Minimum Balance $0 $0 $0
Monthly Service Fee $0 $0 $0
Unlimited Transactions
Free Bill Pay
e-Statements
Dividend Bearing
SnapDeposit
Debit Card
Overdraft Protection
Compare Checking Accounts
Basic Checking
$0
Honors Checking
$0
Student Honor's Checking 16-24
$0
Basic Checking
$0
Honors Checking
$0
Student Honor's Checking 16-24
$0
Basic Checking
Honors Checking
Student Honor's Checking 16-24
Basic Checking
Honors Checking
Student Honor's Checking 16-24
Basic Checking
Honors Checking
Student Honor's Checking 16-24
Basic Checking
Honors Checking
Student Honor's Checking 16-24
Basic Checking
Honors Checking
Student Honor's Checking 16-24
Basic Checking
Honors Checking
Student Honor's Checking 16-24
Basic Checking
Honors Checking
Student Honor's Checking 16-24

*APY- Annual Percentage Yield. Refers to the 12-month Honors Checking max dividend distribution of approximately $200 and 12-month max US out of network ATM refund benefit of $300 ($25 per month), on one personal account per membership only. As of January 31, 2018, 4.00% Annual Percentage Yield (3.96%) daily interest rate paid monthly on balances up to $5,000. Unused Out of network ATM fee refunds do not roll over month to month. Balances over $5,000 will earn the higher tier Share 0 dividend rate when requirements are met. Rates & terms as of are subject to change. All requirements must be met before month-end processing (on last business day of month).
**Source https://www.co-opfs.org/Shared-Branches-ATMs
***Courtesy Pay is an overdraft protection product. Accessing the up to $500, mentioned above, will overdraw the associated checking account for the requested amount plus the associated fee. The checking account associated with Courtesy Pay may be negative for no more than 30 days and must be positive for 24 hours before used again. You must opt in to connect your debit card to this protection. A fee is assessed for all transactions in courtesy pay. Terms and conditions apply and subject to change. Class Act will provide you a separate Courtesy Pay Agreement.

**Source https://www.co-opfs.org/Shared-Branches-ATMs

***Courtesy Pay is an overdraft protection product. Accessing the up to $500, mentioned above, will overdraw the associated checking account for the requested amount plus the associated fee. The checking account associated with Courtesy Pay may be negative for no more than 30 days and must be positive for 24 hours before used again. You must opt in to connect your debit card to this protection. A fee is assessed for all transactions in courtesy pay. Terms and conditions apply and subject to change. Class Act will provide you a separate Courtesy Pay Agreement.

Mortgages

Description Maximum Amount Term Annual Percentage Rate
Home Equity Line of Credit (HELOC) 100% Loan to Value 25 years / 10 years draw As low as 7.75%
Fixed Rate Home Equity Loan $200,000 10 years As low as 8.115%*
Fixed Rate Home Equity Loan $200,000 15 years As low as 8.584%*
Fixed Rate Home Equity Loan $200,000 20 years As low as 9.070%*
Mortgage Loans 1st Mortgages Learn More Learn More Get A Rate
Description
Maximum Amount
100% Loan to Value
Term
25 years / 10 years draw
Annual Percentage Rate
As low as 7.75%
Maximum Amount
$200,000
Term
10 years
Annual Percentage Rate
As low as 8.115%*
Maximum Amount
$200,000
Term
15 years
Annual Percentage Rate
As low as 8.584%*
Maximum Amount
$200,000
Term
20 years
Annual Percentage Rate
As low as 9.070%*
Maximum Amount
Term
Annual Percentage Rate

*Effective 5.4.2023. Annual percentage rate is representative of rate & closing costs based on a loan amount of $100,000, fixed term with standard closing costs.  Rate is subject to change without notice. All mortgage loans are subject to approved credit.

Visa Platinum

Description Maximum Amount Annual Percentage Rate
Visa Platinum Card $25,000 As low as 14.25%
Description
Maximum Amount
$25,000
Annual Percentage Rate
As low as 14.25%

For Visa Disclosure, click here. 

Auto Loans

Model Year Up to 48 Months³ 49-63 Months² 64-75 Months 76-84 Months¹
2022 or newer 4.49% APR* 4.74% APR* 4.99% APR* 5.49% APR*
2017 - 2021 4.99% APR* 5.24% APR*
2017 or older 5.49% APR*
Model Year
Up to 48 Months³
4.49% APR*
49-63 Months²
4.74% APR*
64-75 Months
4.99% APR*
76-84 Months¹
5.49% APR*
Up to 48 Months³
4.99% APR*
49-63 Months²
5.24% APR*
64-75 Months
76-84 Months¹
Up to 48 Months³
5.49% APR*
49-63 Months²
64-75 Months
76-84 Months¹

*APR = Annual percentage rate. Rates effective as of 9/1/2023 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 2022 or newer models. Payment example: $20,000 loan amount with a 63 month term at 4.74% APR* would have monthly payments of $360 or $18.00 per $1,000 borrowed. Not available for refinance of existing CAFCU loans.

Personal Loans

Description Maximum Amount Maximum Term Annual Percentage Rate
Overdraft Line of Credit $10,000 Open-End 15.00%
LifeStyle Access Line of Credit $20,000 Open-End 11.50% APR*
Share Secured 100% of Shares 48 months 3.75% + Share Rate Minimum 5.00%
Personal Loan $25,000 72 months As low as 7.74%
Share Certificate Secured 100% of Shares Certificate Maturity Date 2.75% + Cert Rate Minimum 5.00%
Description
Maximum Amount
$10,000
Maximum Term
Open-End
Annual Percentage Rate
15.00%
Maximum Amount
$20,000
Maximum Term
Open-End
Annual Percentage Rate
11.50% APR*
Maximum Amount
100% of Shares
Maximum Term
48 months
Annual Percentage Rate
3.75% + Share Rate Minimum 5.00%
Maximum Amount
$25,000
Maximum Term
72 months
Annual Percentage Rate
As low as 7.74%
Maximum Amount
100% of Shares
Maximum Term
Certificate Maturity Date
Annual Percentage Rate
2.75% + Cert Rate Minimum 5.00%

*APR = Annual percentage rate. Rates effective as 9/1/2023 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 7.74% would have monthly payments of $313 or $31.30 per $1,000 borrowed.  Not available for refinance of existing CAFCU loans.

Boat & RV Loans

Model Year Up to 84 months 85-120 months 121-144 months 145-180 months
2022 or newer 6.24% APR* 6.49 % APR* 6.74% APR* 6.99% APR*
2015 - 2021 6.74% APR* 6.99 APR* 7.24% APR* 7.49 APR*
2010 - 2014 7.24 APR* 7.49% APR* 7.74% APR* 7.99% APR*
Model Year
Up to 84 months
6.24% APR*
85-120 months
6.49 % APR*
121-144 months
6.74% APR*
145-180 months
6.99% APR*
Up to 84 months
6.74% APR*
85-120 months
6.99 APR*
121-144 months
7.24% APR*
145-180 months
7.49 APR*
Up to 84 months
7.24 APR*
85-120 months
7.49% APR*
121-144 months
7.74% APR*
145-180 months
7.99% APR*

*APR = Annual Percentage Rate. Rates effective as of 9/1/2023 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. Advertised rates include a .25% Auto Pay discount and on 2022 or newer models. Payment example: $50,000 loan amount with a 15-year term at 6.99% would have monthly payments of $450 or $9.00 per $1,000 borrowed. Not available for refinance of existing CAFCU loans.

Solar Loans

Term/Amount Up to 84 Months 85 - 120 Months 121 - 180 Months
$5,000-30,000 7.75% APR* 7.95% APR* 8.20% APR*
$30,001-50,000 8.00% APR* 8.20% APR* 8.45% APR*
Term/Amount
Up to 84 Months
7.75% APR*
85 - 120 Months
7.95% APR*
121 - 180 Months
8.20% APR*
Up to 84 Months
8.00% APR*
85 - 120 Months
8.20% APR*
121 - 180 Months
8.45% APR*

*APR = Annual percentage rate. Rates effective as of 01/01/2023 and subject to change without notice. On approved credit. Other rates and terms may apply. Rates shown reflect .25% discount for automatic payment option. Payment example: $25,000 loan amount with a 15-year term at 8.20% would have monthly payments of $242 or $9.68 per $1,000 borrowed. Not available for refinance of existing CAFCU loans.

Money Market

Balance Dividend Rate Annual Percentage Yield
$2,500 - $9,999.99 0.90% 0.90
$10,000 - $24,999.99 1.00% 1.00%
$25,000 - $49,999.99 1.10% 1.10%
$50,000 - $99,999.99 1.20% 1.20%
$100,000.00+ 1.30% 1.30%
Balance
Dividend Rate
0.90%
Annual Percentage Yield
0.90
Dividend Rate
1.00%
Annual Percentage Yield
1.00%
Dividend Rate
1.10%
Annual Percentage Yield
1.10%
Dividend Rate
1.20%
Annual Percentage Yield
1.20%
Dividend Rate
1.30%
Annual Percentage Yield
1.30%

Share and IRA Certificates

Description Term Minimum Dividend Rate Annual Percentage Yield
Share Certificate 91 Day $500 1.98% 2.00%
Share Certificate 5 Month $1000 4.88% 5.00%
Share Certificate 6 Month $500 2.23% 2.25%
Share Certificate 12 Month $1,000 3.20% 3.25%
Share Certificate 18 Month $1,000 2.96% 3.00%
Share Certificate 24 Month $1,000 2.96% 3.00%
Share Certificate 30 Month $1,000 2.96% 3.00%
Share Certificate 36 Month $1,000 2.96% 3.00%
Share Certificate 48 Month $1,000 2.96% 3.00%
Bump-Up Share Certificate- Not available for IRA. 60 Months $1,000 2.96% 3.00%
Description
Term
91 Day
Minimum
$500
Dividend Rate
1.98%
Annual Percentage Yield
2.00%
Term
5 Month
Minimum
$1000
Dividend Rate
4.88%
Annual Percentage Yield
5.00%
Term
6 Month
Minimum
$500
Dividend Rate
2.23%
Annual Percentage Yield
2.25%
Term
12 Month
Minimum
$1,000
Dividend Rate
3.20%
Annual Percentage Yield
3.25%
Term
18 Month
Minimum
$1,000
Dividend Rate
2.96%
Annual Percentage Yield
3.00%
Term
24 Month
Minimum
$1,000
Dividend Rate
2.96%
Annual Percentage Yield
3.00%
Term
30 Month
Minimum
$1,000
Dividend Rate
2.96%
Annual Percentage Yield
3.00%
Term
36 Month
Minimum
$1,000
Dividend Rate
2.96%
Annual Percentage Yield
3.00%
Term
48 Month
Minimum
$1,000
Dividend Rate
2.96%
Annual Percentage Yield
3.00%
Term
60 Months
Minimum
$1,000
Dividend Rate
2.96%
Annual Percentage Yield
3.00%

Savings Rates

Description Minimum Balance Dividend Rate Annual Percentage Yield
Regular Share Savings $5 .25% .25%
IRA Accumulation $0+ .50% .50%
Christmas Club $5+ .25% .25%
Summer Savings $5+ .25% .25%
Description
Minimum Balance
$5
Dividend Rate
.25%
Annual Percentage Yield
.25%
Minimum Balance
$0+
Dividend Rate
.50%
Annual Percentage Yield
.50%
Minimum Balance
$5+
Dividend Rate
.25%
Annual Percentage Yield
.25%
Minimum Balance
$5+
Dividend Rate
.25%
Annual Percentage Yield
.25%

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