Current Rates
Communication Federal Credit Union offers low interest rates on a variety of loan products and services. View our current rates page for updated rates on:
- Savings and checking products
- Fixed rate loans
- Personal lines of credit
- Credit cards
If you have questions or would like to speak to a friendly communication representative please visit your local branch or call us at 800.522.3535.
Rates effective May 14, 2013 - May 20, 2013
Savings & Checking Rates
| Product |
Minimum
|
Rate |
APY^ |
| Share Account |
$5 |
0.15% |
0.15% |
Share Draft
$25 to open |
$0 |
0.10% |
0.10% |
Money Max
$25 to open |
$0-$4,999 |
0.15% |
0.15% |
| Money Max |
$5,000-$9,999 |
0.25% |
0.25% |
| Money Max |
$10,000-$24,999 |
0.30% |
0.30% |
| Money Max |
$25,000-$49,999 |
0.40% |
0.40% |
| Money Max |
$50,000-$99,999 |
0.50% |
0.50% |
| Money Max |
Over $100,000 |
0.60% |
0.60% |
| 6 Month IRA/Share Certificate |
$1,000 |
0.60% |
0.60% |
| 1 Year IRA/Share Certificate |
$1,000 |
0.75% |
0.75% |
| 18 Month IRA/Share Certificate |
$1,000 |
0.80% |
0.80% |
| 2 Year IRA/Share Certificate |
$1,000 |
1.00% |
1.00% |
| 3 Year IRA/Share Certificate |
$1,000 |
1.24% |
1.25% |
| 4 Year IRA/Share Certificate |
$1,000 |
1.44% |
1.45% |
| 5 Year IRA/Share Certificate |
$1,000 |
1.49% |
1.50% |
IRA Share Account
$25 to open |
$0-$4,999 |
0.15% |
0.15% |
| IRA Share Account |
$5,000-$9,999 |
0.25% |
0.25% |
| IRA Share Account |
$10,000-$24,999 |
0.30% |
0.30% |
| IRA Share Account |
$25,000-$49,999 |
0.40% |
0.40% |
| IRA Share Account |
$50,000-$99,999 |
0.50% |
0.50% |
| IRA Share Account |
Over $100,000 |
0.60% |
0.60% |
Health Savings Account
$50 to open |
$0 |
0.10% |
0.10% |
^Annual Percentage Yield - Rates are subject to change at any time. Fees can reduce earnings on some accounts. Some criteria may need to be met to earn stated rate. A penalty may be imposed for early withdrawal.
Fixed Rate Loans
| Type of Loan |
Term |
APR |
With Reductions |
| Auto 2006-2013 |
60 mos |
2.49% |
1.99%* |
| Auto 2010-2013 |
72 mos |
2.49% |
1.99%*
|
| Auto 2011-2013 |
84 mos |
4.24% |
3.74%* |
| Auto 2004-2005 |
54 mos |
7.49% |
6.99%* |
| Auto Equity 2006-2013 |
60 mos |
3.99% |
3.49%* |
| Boat/RV 2010-2013 |
72 mos |
6.25% |
5.75%* |
| Boat/RV 2006-2009 |
60 mos |
7.25% |
6.75%* |
| Boat/RV 2002-2005 |
54 mos |
7.75% |
7.25%* |
| Motorcycle 2012-2013 |
60 mos |
7.24% |
6.74%* |
| Motorcycle 2009-2011 |
48 mos |
9.24% |
8.74%* |
| Signature |
36 mos |
10.00% |
9.50%* |
| 2nd Mortgage, LTV to 80% |
60 mos |
4.49% |
3.99%* |
| 2nd Mortgage, LTV to 85% |
120 mos |
7.49% |
6.99%* |
(other rates and terms available, call 800-654-5626 for details)
Other Loan Rates
| Type of Loan |
Term |
APR |
| Personal Line of Credit |
N/A |
12.15% |
Share Secured
|
60 mo |
Share Rate + 3.00% |
| Certificate Secured |
CD Term |
CD Rate + 2.00%
|
Home Equity Line of Credit Variable up to 85% LTV
|
N/A |
7.50%† |
Home Equity Line of Credit
Variable, LTV 86% to 100% |
N/A |
9.00%† |
Visa Platinum
|
See Disclosure |
7.99%** |
| Visa Platinum Rewards |
See Disclosure |
9.99%** |
| Visa/MasterCard Gold |
See Disclosure |
10.49%** |
Current CFCU loans NOT eligible for refinance at these rates. Loan rates as low as the stated APR. Rates are based on each member's credit history, term and collateral; so your rate may differ. Loan rates may change without notice.
Consumer loan payment example: New auto loan of $25,000 for 6 years at 1.99% APR will have a monthly payment of $369.
*You may be eligible for a maximum 50 basis point reduction from these rates if you have a combination of CFCU Checking, and Direct Deposit or Lending Loyalty.
**Credit Card Annual Percentage Rate as low as the stated rates and based on member's credit history. Rates subject to change after account opening.
† Rates subject to change after opening.