Rates

APY = Annual Percentage Yield

Fees may reduce earnings.


Term Share Certificate Rates & Share Rates effective as of November 1, 2013

Consumer Loan Rates effective as of October 2, 2013

Home Equity Loan Rates effective as of October 15, 2012

Share Certificate

TermDividend RateAPY
3-month0.150%0.15%
6-month0.200%0.20%
12-month0.300% 0.30%
18-month0.350% 0.35%
24-month0.600%.60%
30-month0.600%.60%
36-month0.900%0.90%
48-month1.000%1.00%
60-month1.290%1.30%

APY = Annual Percentage Yield

Benefits Plus members earn 0.10% APY more on Share Certificates! Ask how you can become a Benefits Plus Member Today!

Early withdrawal penalties may apply to some term share accounts

All Term Share Certificates have a minimum deposit of $500, the rates and terms above are based on this minimum deposit amount. Contact a Member Service Representative for exact APYs for a specific amount and term. Three Month Share Certificates are not eligible for IRA funds

Fees could reduce the earnings of the account.

Savings

ProductDividend RateAPY
Kasasa Saver*1.00%

Balances up to $10,000 (when qualifications met)

1.00%

Balances up to $10,000 (when qualifications met)

0.35%

On balances over $10,000 (when qualifications are met)

1.00% to 0.41%

On balances over $10,000 (when qualifications are met)

0.05%

When qualifications are not met)

0.05%

When qualifications are not met)

Qualifications

Qualifying for the Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver rate too. To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 12 debit card transactions post and settle
  • Have at least 1 automatic payment (ACH) or direct deposit post and settle
  • Be enrolled and receive free paperless eStatement notice
ProductDividend RateAPY
Business0.10%0.10%
Regular Shares, Shares Pledged and CP Money Time0.10%0.10%
Non-Interest Shares0.00%0.00%
Christmas & Vacation Club Accounts0.35%0.35%

APY = Annual Percentage Yield

Checking

ProductDividend RateAPY
Kasasa Cash*2.47%

Balances up to $10,000 (when qualifications met)

2.50%

Balances up to $10,000 (when qualifications met)

0.35%

On Balances over $10,000 (when qualifications met)

2.50% to 0.55%

On Balances over $10,000 (when qualifications met)

0.05%

When qualifications are not met

0.05%

When qualifications are not met

Qualifications

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 12 debit card transactions post and settle
  • Have at least 1 automatic payment (ACH) or direct deposit post and settle
  • Be enrolled and receive free paperless eStatement notice
ProductDividend RateAPY
Golden Power Account0.10%0.10%
Business0.10%0.10%

APY = Annual Percentage Yield

Loans and Credit

ProductTerm up toRate (APR**) as low as
AutoUp to 36 Months2.49%
Auto37-48 Months2.74%
Auto49-60 Months2.99%
Auto61-72 Months3.24%
Boat and RV722.49%
Boat and RV balloon (value must be over $20,000)5 Year / 15 Year amortization5.24%
Boat and RV (up to 144 months)1445.24%
Motorcycle723.49%
Snowmobile603.49%
Other Collateral603.49%
Unsecured Loans1
Signature Loan608.50%
Home Improvement1207.50%
Visa Cards2
Visa PlatinumAdjust Annually (Prime + 3.00%)6.25%
Visa GoldFixed Rate (NO Annual Fee)9.50%
Visa ClassicFixed Rate ($10 Annual Fee)12.00%
Visa BusinessAdjust Annually (Prime + 4.00%)7.25%
Line of CreditFixed Rate (NO annual Fee)12.00%
ProductMarginRate (APR**) as low as
Home Equity Line of Credit+0.00%3.25%
Fixed Rate Home Equity Loan5.00%

**APR = Annual Percentage Rate

1. Maximum Unsecured Loan $15,000. Unsecured loans include: Vacation, Home Improvement, Debt Consolidation, Tax Refund loans and other fixed rate unsecured loans. Home Improvement loans require estimates and checks written directly to contractor or supplier.

2. Home Equity loans up to 80% CLTV have a maximum loan amount of $150,000. If an appraisal is needed the member cost is $300 for drive by or $400 for a full appraisal and must be collected in advance. All home equity loans over $100,000 require an appraisal.


All rates based on credit experience and are subject to change without notice. Rates listed are the lowest rates available at CP Federal Credit Union. Term listed is the maximum term available.


HELOC rates adjust quarterly based on prime rate plus the margin listed above; they have a 2% annual cap and a 4% floor rate for decreases in the adjusted rate. The index is the PRIME RATE as published in the WALL STREET JOURNAL, under Money Rates.


Fees could reduce the earnings of the account.

Mortgages

ProductMarginRate (APR**) as low as
Conventional Sold Loans
30 Year Fixed4.375%4.457%
20 Year FixedN/AN/A
15 Year Fixed3.500%3.3630%
10 Year FixedN/AN/A
ProductMarginRate (APR**) as low as
Conventional Portfolio Loans
30 Year Fixed4.625%4.710%
20 Year Fixed4.500%4.614%
15 Year Fixed3.750%3.884%
10 Year Fixed3.625%3.816%
ProductMarginRate (APR**) as low as
Vacant Land Loans
5 Year Balloon/30 Year Amortization5.750%5.985%

**APR = Annual Percentage Rate


All rates based on credit experience and are subject to change without notice. Rates listed are the lowest rates available at CP Federal Credit Union. Term listed is the maximum term available.


*Rates and APRs may vary depending on loan details, such as loan amount, loan-to-value, your credit, property type, purpose (purchase or refinance with cash-out vs. cash-out), occupancy (owner occupied or second home) and points paid. Rates are subject to change without notice. You will need to speak to one of our loan officers to obtain a specific quote or to lock a rate.


IRA Shares

ProductDividend RateAPY
Traditional0.25%0.25%
Roth0.25%0.25%
IRA0.25%0.25%

APY = Annual Percentage Yield

Money Market

ProductDividend RateAPY
Super Cash under $5,0000.00%0.00%
$5,000.01 - $20,0000.15%0.15%
$20,000.01 - $50,0000.20%0.20%
$50,000.01 & Over0.25%0.25%

APY = Annual Percentage Yield