Updated Rates

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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 August 30, 2016

Savings & Checking Rates

 Product 
Minimum 
Rate APY^ 
Performance Checking$0.01 - $30,000 1.49% 1.50%+ 
Performance CheckingOver $30,000  .10%.10% 
Share Account $5 0.15%0.15%
Share Draft
$25 to open
 $0 0.10%0.10%
Money Max
$2,000 to open
$0-$4,999 0.15%0.15%
Money Max$5,000-$9,999 0.25%0.25%
Money Max$10,000-$24,9990.30%0.30%
Money Max$25,000-$49,9990.40%0.40%
Money Max$50,000-$99,9990.50%0.50%
Money MaxOver $100,0000.60%0.60%
6 Month IRA/Share Certificate$1,0000.60%0.60%
1 Year IRA/Share Certificate $1,0000.75%0.75%
18 Month IRA/Share Certificate $1,0000.80%0.80%
2 Year IRA/Share Certificate $1,0001.00%1.00%
3 Year IRA/Share Certificate $1,0001.24%1.25%
4 Year IRA/Share Certificate $1,0001.44%1.45%
5 Year IRA/Share Certificate $1,0001.49%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-$24,9990.30%0.30%
IRA Share Account$25,000-$49,9990.40%0.40%
IRA Share Account$50,000-$99,9990.50%0.50%
IRA Share AccountOver $100,0000.60%0.60%
Health Savings Account
$50 to open
$00.10%0.10%

For a limited time, CFCU is offering "Step-Up" share certificates that allow you to move to the current rate and add funds at one time during the certificate term. Initial rates are the same as other share certificates of the same term.
^APY=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 LoanTermAPR*
Storm Shelter Loan Up to 48 mos0.75% 
Auto 2009-201760 mos2.74%
Auto 2013-201778 mos2.74%
Auto 2014-201784 mos2.99%
Auto 2007-200854 mos7.49%
Auto 2005-200648 mos7.99%
Boat/RV 2013-201772 mos4.75%
Boat/RV 2009-201260 mos7.25%
Boat/RV 2005-200854 mos7.75%
Motorcycle 2015-201760 mos7.24%
Motorcycle 2012-201448 mos9.24%
Signature36 mos10.00%

(other rates and terms available, call 800-654-5626 for details)

2nd Mortgage and Home Equity line of credit available. Please contact the CFCU mortgage department for details and rates at 800.522.3535 

Other Loan Rates

Type of LoanTermAPR
Personal Line of CreditN/A12.40%
Share Secured
60 moShare Rate + 3.00%
Certificate SecuredCD Term

CD Rate + 2.00%

Visa Platinum
See Disclosure8.24%**
Visa Platinum RewardsSee Disclosure10.24%**
 Visa/MasterCard GoldSee Disclosure10.74%**

 

 

Current CFCU loans NOT eligible for refinance at these rates. Loan rates as low as the stated APR.

^APY=Annual Percentage Yield
*APR=Annual Percentage Rate
**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.