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 April 21, 2015

Savings & Checking Rates

 Product
Minimum
Rate APY^
Performance Checking $0.01 - $30,000  1.49%  1.50%+ 
Performance Checking Over $30,000   .10% .10% 
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%

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 Loan Term APR*
Storm Shelter Loan  Up to 48 mos 0.75% 
Auto 2008-2016 60 mos 2.49%
Auto 2012-2016 72 mos 2.49%
Auto 2013-2015 84 mos 3.49%
Auto 2006-2007 54 mos 7.49%
Auto 2004-2005 48 mos 7.99%
Boat/RV 2012-2015 72 mos 4.75%
Boat/RV 2008-2011 60 mos 7.25%
Boat/RV 2004-2007 54 mos 7.75%
Motorcycle 2014-2016 60 mos 7.24%
Motorcycle 2011-2013 48 mos 9.24%
Signature 36 mos 10.00%

(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 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%

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.

^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.