APY = Annual Percentage Yield. Fees may reduce earnings.

Term Share Certificate Rates & Share Rates effective as of March 6, 2014.

Consumer Loan Rates effective as of March 1, 2017.

Home Equity Loan Rates effective as of April 22, 2016

Kasasa Cash* See Details

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%

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

Checking

Product Dividend Rate APY
Golden Power Senior Checking 0.10% 0.10%
Business Checking 0.10% 0.10%

Kasasa Saver* See Details

Balance Dividend Rate APY
0 - $10,000 1.00% 1.00%
$10,000+ 0.35% 1.00% to 0.41%
Qualifications not met 0.05% 0.05%

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

Savings

Product Dividend Rate APY
Business Savings 0.10% 0.10%
Regular Shares, Shares Pledged and CP Money Tree 0.10% 0.10%
Non-Interest Shares 0.00% 0.00%
Club Accounts 0.35% 0.35%

Share Certificates See Details

Term Dividend Rate APY
3 Months 0.15% 0.15%
6 Months 0.20% 0.20%
12 Months 0.30% 0.30%
18 Months 0.35% 0.35%
24 Months 0.60% 0.60%
30 Months 0.60% 0.60%
36 Months 0.90% 0.90%
48 Months 1.00% 1.00%
60 Months 1.29% 1.30%

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.

Individual Retirement Accounts (IRAs) See Details

Type Dividend Rate APY
Traditional 0.25% 0.25%
Roth 0.25% 0.25%
IRA 0.25% 0.25%

Super Cash Money Market See Details

Balance Dividend Rate APY
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%
$50,000.01+ 0.25% 0.25%

Loans & Credit

ProductTerm up toRate (APR**) As Low As
Auto Loans (New) 72 Months 2.49%
Auto Loans (Used) 72 Months 2.99%
Boat & RV Loans 72 Months 5.24%
Boat & RV Loans (> $20,000) 73 - 144 Months 6.24%
Boat & RV Loans (> $40,000) 145 - 180 Months 6.74%
Motorcycle Loans 72 Months 4.99%
Snowmobile Loans 72 Months 4.99%
Other Collateral 72 Months 4.99%
Unsecured Loans1
Signature Loan 60 Months 8.50%
Home Improvement Loan 120 Months 7.50%
Visa Cards & Line of Credit2
Visa Cash In Fixed Rate (Risk Based Pricing Applies) 7.99%
Visa To Go Adjusts Annually (Prime + 3.00%) 6.50%
Visa Business Adjusts Annually (Prime + 4.00%) 7.50%
Line of Credit Fixed Rate (NO Annual Fee) 12.00%

Home Equity Loans / HELOC See Details

Product Margin Rate (APR**) As Low As
Home Equity Line of Credit +0.00% 3.25%
Fixed Rate Home Equity Loan (Terms up to 180 Months) 5.00%

**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

ProductRateRate (APR**) As Low As
Conventional Sold Loans
30 Year Fixed 4.375% 4.512%
15 Year Fixed 3.750% 4.012%
Conventional Portfolio Loans
30 Year Fixed 4.500% 4.639%
20 Year Fixed 4.125% 4.332%
15 Year Fixed 3.875% 4.139%
10 Year Fixed 3.500% 3.866%
Construction Loans
30 Year 4.625% 4.868%
20 Year 4.250% 4.781%
15 Year 4.000% 4.634%
10 Year 3.625% 4.579%
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.