APY = Annual Percentage Yield. Fees may reduce earnings.
Share Rates effective as of January 1, 2015.
Term Share Certificate Rates effective as of March 1, 2019.
Consumer Loan Rates effective as of June 10, 2019.
Home Equity Loan Rates effective as of December 26, 2018.
|Balance||Minimum Required Opening Deposit||Dividend Rate||APY|
|$0 - $10,000||$200||1.98%||2.00%|
|$10,000+||$200||0.35%||2.00% to 0.50%|
|All balances if qualifications not met||$200||0.05%||0.05%|
To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:
|0 - $10,000||1.00%||1.00%|
|$10,000+||0.35%||1.00% to 0.41%|
|Qualifications not met||0.05%||0.05%|
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:
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.
Fees could reduce the earnings of the account.
*7 month share certificate for new money deposits only.
|0 - $5,000||0.00%||0.00%|
|$5,000.01 - $20,000||0.15%||0.15%|
|$20,000.01 - $50,000||0.20%||0.20%|
|Product||Term up to||Rate (APR**) As Low As|
|Auto Loans (New)||60 Months||3.49%|
|Auto Loans (New)||61-72 Months||3.74%|
|Auto Loans (Used)||60 Months||3.74%|
|Auto Loans (Used)||61-72 Months||3.99%|
|Boat Loans||72 Months||4.75%|
|Boat Loans (> $20,000)||73 - 144 Months||5.50%|
|Boat Loans (> $40,000)||145 - 180 Months||6.00%|
|RV Loans||72 Months||5.49%|
|RV Loans (> $20,000)||73 - 144 Months||6.24%|
|RV Loans (> $40,000)||145 - 180 Months||6.74%|
|Other Collateral||72 Months||5.75%|
|Signature Loan||60 Months||9.00%|
|Home Improvement Loan||120 Months||8.00%|
|Visa Cards & Line of Credit2|
|Visa Cash In||Fixed Rate (Risk Based Pricing Applies)||9.50%|
|Visa To Go||Adjusts Annually (Prime + 3.00%)||8.00%|
|Visa Business||Adjusts Annually (Prime + 4.00%)||9.00%|
|Line of Credit||Fixed Rate (NO Annual Fee)||12.00%|
* All rates and terms are subject to change without notice. Rates listed are the lowest rates available at CP Federal Credit Union to qualifying members with high credit scores. Actual rates may be higher and are determined by a member’s individual credit score.
|Product||Margin||Rate (APR**) As Low As|
|Home Equity Line of Credit||-0.50%||4.50%|
|Fixed Rate Home Equity Loan (Terms up to 180 Months)||5.25%|
**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. $450 will be collected for appraisals.
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.
|Product||Rate||Rate (APR**) As Low As|
|Conventional Sold Loans|
|30 Year Fixed||
|15 Year Fixed||3.750%||3.948%|
|Conventional Portfolio Loans|
|30 Year Fixed||4.250%||4.365%|
|20 Year Fixed||4.125%||4.282%|
|15 Year Fixed||3.875%||4.007%|
|10 Year Fixed||3.750%||4.035%|
|Vacant Land Loans|
|5 Year Balloon / 30 Year Amortization||5.750%||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.