Rates and Fees

All dividend and interest rates stated are Annual Percentage Rate (APR)

Share Rates

Regular Shares paid monthly
06/30/1807/31/1808/31/18*09/30/18*10/31/18*
$25.00 - $499.99 0.00% 0.00% 0.00% 0.00% 0.00%
$500.00 and over 0.30% 0.30% 0.30% 0.30% 0.30%
*Anticipated dividends to be paid

Share Draft (checking) paid monthly
06/30/1807/31/1808/31/18*09/30/18*10/31/18*
$500.00 and over 0.15% 0.15% 0.15% 0.15% 0.15%
*Anticipated dividends to be paid

Goal Saver* paid monthly
06/30/1807/31/1808/31/18*09/30/18*10/31/18*
No Minimum 0.30% 0.30% 0.30% 0.30% 0.30%
*Four withdrawals allowed per year, additional withdrawals are subject to an early withdrawal fee
Anticipated dividends to be paid

Christmas Club* paid monthly
06/30/1807/31/1808/31/18*09/30/18*10/31/18*
No Minimum 0.30% 0.30% 0.30% 0.30% 0.30%
*Withdrawals made prior to 9/30/18 are subject to an early withdrawal fee
Anticipated dividends to be paid

Certificate of Deposit*
TermMinimum BalanceRate Paid at Maturity
  6 Month $1,000.00 0.35% Renewals Only
  12 Month $1,000.00 0.60% Closed to "new money"
*Withdrawals made prior to maturity are subject to a loss of 90 days dividend

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Loan Rates

New Vehicle
Effective Date: 09/01/2018

Auto, Truck, Motorcycle, Boat

Previously Untitled, Maximum $100,000, Less than 10K miles 90% financing or 100% with GAP insurance

Credit Score36 mos.48 mos.60 mos.72 mos.84 mos.
A 700 & Up 1.50% 2.00% 2.50% 3.00% 3.50%
B 625-699 2.00% 2.50% 3.00% 3.50% 4.00%
C 550-624 2.50% 3.00% 3.50% 4.00% 4.50%
D below 550 3.00% 3.50% 4.00% 4.50% 5.00%

Used Vehicle
Effective Date: 09/01/2018

Auto, Truck, Motorcycle, Boat

**Age of vehicle + term cannot exceed 10yrs, Black Bk Avg Rtl up to $75,000 Max,
Antiques- 100% of Certified Appraisal Amount

Credit Score36 mos.48 mos.60 mos.72 mos.84 mos.Description
A 700 & Up 2.00% 2.50% 3.00% 3.50% 4.00%  
B 625-699 2.50% 3.00% 3.50% 4.00% 4.50%  
C 550-624 3.00% 3.50% 4.00% 4.50% 5.00%  
D below 550 3.50% 4.00% 4.50% 5.00% 5.50%  

Signature and Cosigner
Maximum $30,000 total unsecured
Credit Score12 mos.24 mos.36 mos.48 mos.60 mos.72 mos.84 mos.
A 700 & Up 2.75% 4.75% 6.25% 7.75% 9.25% 10.75% 12.25%
B 625-699 4.75% 6.25% 7.75% 9.25% 10.75% 12.25% 13.75%
C 550-625 6.25% 7.75% 9.25% 10.75% 12.25% 13.75% 15.25%
D below 550 7.75% 9.25% 10.75% 12.25% 13.75% 15.25% 16.75%

Share Secured
100% of Available Share Balance
60 mos.120 mos.
2.30% 3.30%    

Misc. Motor Vehicle
Effective Date: 09/01/2018
Non titled: Jet Skis, ATVs, Golf Carts, Snowmobiles, etc - 100% Black Book Average Retail
Credit Score36 mos.48 mos.60 mos.
A 700 & Up 6.50% 7.00% 7.50%  
B 625-699 7.50% 8.00% 8.50%  
C 550-624 8.50% 9.00% 9.50%  
D below 550 9.50% 10.00% 10.50%  

Recreational Vehicle and Older Used Vehicle
Effective Date: 09/01/2018
Credit Score36 mos.48 mos.60 mos.72 mos.84 mos.120 mos.
A 700 & Up 3.50% 4.00% 4.50% 5.00% 5.50% 6.50%
B 625-699 4.00% 4.50% 5.00% 5.50% 6.00% 7.00%
C 550-624 4.50% 5.00% 5.50% 6.00% 6.50% 7.50%
D below 550 5.00% 5.50% 6.00% 6.50% 7.00% 8.00%

Home Equity
$100 application fee, $400 processing fee
Current RateTermLoan Amount
Line of Credit - Variable Rate(Based on prime) 5.00% 120 mos. 75.00% of Available Equity Maximum $100,000  
Variable Rate(Based on prime) 5.00% 240 mos. 75.00% of Available Equity Maximum $150,000 No First Mortgage

Visa Card
Maximum $30,0000 total unsecured
Interest RateMinimum Payment
  9.11% 2% of balance  

Click here for Fees

All share and loan rates are subject to change at the discretion of the Board of Directors of the CFFCU, except in the instance of a previously advertised special whereby those special dates are clearly disclosed and defined.

State Regulations discourage the payment of dividends in excess of available earnings.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

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