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Rates

Current Rates

Mortgages

Type Interest Rate Loan APR* Loan Points
5 Year Fast Track Refinance Mortgage** 2.990% 3.184% 0.000
10 Year Fast Track Refinance Mortgage** 3.500% 3.601% 0.000
10 Year Fixed Rate 3.125% 3.342% 0.000
15 Year Fixed (Low Closing Cost) 3.500% 3.651% 0.000
15 Year Fixed Rate 3.250% 3.400% 0.000
15 Year Fixed Rate 3.125% 3.421% 1.000
20 Year Fixed Rate 3.750% 3.926% 0.000
20 Year Fixed Rate 3.625% 3.917% 1.000
30 Year Fixed (Low Closing Cost) 4.250% 4.338% 0.000
30 Year Fixed Rate 4.000% 4.128% 0.000
30 Year Fixed Rate 3.875% 4.087% 1.000
3/1 Year Adjustable Rate 3.375% 3.983% 0.000
3/1 Year Adjustable Rate 3.250% 4.038% 1.000
5/1 Year Adjustable Rate 3.500% 3.947% 0.000
5/1 Year Adjustable Rate 3.375% 3.985% 1.000
7/1 Year Adjustable Rate 3.625% 3.949% 0.000
7/1 Year Adjustable Rate 3.500% 3.973% 1.000
10/1 Year Adjustable Rate 4.000% 4.128% 0.000
10/1 Year Adjustable Rate 3.875% 4.135% 1.000
Undeveloped Land (Lot Loan) 8.250% 9.003% N/A

Home Equity Loans

Type Interest Rate As Low As APR*
First-Lien HELOC ** 4.250% 4.250%
Home Equity Line of Credit (HELOC)*** 4.250% 4.250%

Second Mortgages

Type Maximum Term Rates As Low As APR* As Low As
Second Mortgage 60 Months 3.625% 3.820%
Second Mortgage 120 Months 3.875% 3.977%
Second Mortgage 180 Months 5.375% 5.449%
Rates are current as of July 27, 2017.

Jumbo loans (loans over $424,100.00) add 0.25 to published rate and .50 origination charge.

Loans with Loan To Value (LTV) above 90% add .25 to published rate.

A rate increase of 0.50% will apply to non-owner occupied financing.

*APR (Annual Percentage Rate) is based on the following assumptions unless otherwise noted: First mortgage loans APR is calculated using a $120,000 loan amount with a $150,000 purchase price 80% Loan To Value. Second mortgage loans APR is calculated using a $50,000 loan amount and term as indicated. Lot Loans APR is calculated using a $25,000 loan amount, 70% LTV and a 60 month term. HELOC loans have a minimum of 4.000% APR and is calculated using a $25,000.00 loan amount a 180 month term and based on a second lien position.

**LTV Restrictions. Home Equity Loans are based on Wall Street Journal (WSJ) Prime Rate.

***Rates based on WSJ Prime Rate.

Mortgages are underwritten to secondary market standards. Secondary market guidelines may require adjustments to interest rate, points paid or amount of down payment. Your rate, points and closing costs may vary based upon loan features, geography and/or other terms and conditions. Additional adjustments may be applicable based upon credit history, property value, mortgage product, property type or other factors. The interest rate and fees shown here are available to borrowers with an excellent credit history. The interest rates, APRs, closing costs and discount points shown are subject to change without notice. Your APR will vary based on your final loan amount and finance charges.

Low Closing Cost Mortgage Option - Available on 15 and 30 year fixed rate mortgages only. Certain restrictions apply. CFE will pay up to a maximum of $5,000 of qualified expenses.

Current Rates

Savings

Type Min Balance To Earn APY Annual Percentage Yield (APY) Annual Dividend Rate (ADR)
Share (Savings) $50 0.15% 0.15%
Holiday, Summer and Fun Share (Savings) $50 0.15% 0.15%
IRA Savings Account No Minimum 0.40% 0.40%
IRA Certificates $1,000 Same as Certificates Same as Certificates
Health Savings Accounts $50 0.40% 0.40%
Insured Money Market $1,000 - $9,999 0.20% 0.20%
Insured Money Market $10,000 - $24,999 0.20% 0.20%
Insured Money Market $25,000 - $49,999 0.20% 0.20%
Insured Money Market $50,000 - $99,999 0.25% 0.25%
Insured Money Market $100,000 - $999,999 0.30% 0.30%
Insured Money Market $1,000,000 + 0.50% 0.50%
3-5 Month Certificate* $1,000 0.20% 0.20%
6-11 Month Certificate* $1,000 0.45% 0.45%
12-23 Month Certificate* $1,000 0.70% 0.70%
24-29 Month Certificate* $1,000 0.75% 0.75%
30-35 Month Certificate* $1,000 0.80% 0.80%
36-47 Month Certificate* $1,000 1.01% 1.00%
48-59 Month Certificate* $1,000 1.51% 1.50%
60 Month Certificate* $1,000 1.77% 1.75%
6 Month Savings Builder Share Certificate** $5 0.35% 0.35%
APYs are accurate as of July 21, 2017.

For share savings, insured money market, and individual retirement accounts, dividends are compounded daily and paid monthly. For term share certificates and IRA certificates dividends are credited and compounded monthly. Fees or conditions could reduce earnings. All savings rates are subject to change without notice.

*Penalties may be imposed for early withdrawal.

**Savings Builder Share Certificate available with all Youth Savings Accounts and Community Share Accounts only.

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

Current Rates

Business

Type Min Balance To Earn APY Annual Percentage Yield (APY) Annual Dividend Rate (ADR)
Business Member Share $50 0.15% 0.15%
Business Savings $50 0.15% 0.15%
Business Checking $25,000 0.50% 0.50%
Business Checking Plus $25,000 0.50% 0.50%
Business Non-Profit Checking $25,000 0.50% 0.50%
Insured Money Market $1,000 - $9,999 0.20% 0.20%
Insured Money Market $10,000 - $24,999 0.20% 0.20%
Insured Money Market $25,000 - $49,999 0.20% 0.20%
Insured Money Market $50,000 - $99,999 0.25% 0.25%
Insured Money Market $100,000 - $999,999 0.30% 0.30%
Insured Money Market $1,000,000 + 0.50% 0.50%
APYs are accurate as of July 21, 2017.

For business share savings and insured money market accounts, dividends are compounded daily and paid monthly. Fees or conditions could reduce earnings. All business savings rates are subject to change without notice.

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

Current Rates

Credit Cards

Credit Card Type Maximum Loan* Term Range of Variable APR**
Visa® Platinum $30,000 Revolving 9.75% - 17.75%
Visa® Platinum Rewards $30,000 Revolving 11.25% - 17.75%
Visa® Platinum Cash $30,000 Revolving 11.25% - 17.75%
Visa® Premier Rewards $30,000 Revolving 15.25% - 17.75%
Visa® Premier Cash $30,000 Revolving 15.25% - 17.75%
Visa® Business $30,000 Revolving 12.50% - 17.75%
Rates are current as of July 01, 2017.

*Total aggregate unsecured debt with CFE FCU cannot exceed $30,000.

**Annual Percentage Rates (APR). Your APR will vary. All credit card rates are subject to change without notice. The rate you receive will be based on your credit history. All loans are subject to qualification of the borrower. The rate for purchases, cash advances and balance transfers is based on the U.S. Prime Rate (Wall Street Journal Index). The Wall Street Journal Index is published in the Money Rates table of the Wall Street Journal on the 15th of each month or the next business day if not published on the 15th. The maximum APR will not exceed 17.75%. The Penalty APR will be applied to your account if you are 60 days past due and will apply until you make six consecutive minimum payments when due.

Current Rates

Loans

Type* Maximum Term** APR As Low As
New Auto 84 Months 2.95%
Auto Promotion (2013 or newer vehicle) 36 Months 2.15%
Used Auto 84 Months 3.45%
New Motorcycle 60 Months 5.99%
Used Motorcycle 60 Months 6.49%
Premium New Motorcycle 84 Months 4.99%
Premium Motorcycle Promo (2013 or newer) 36 Months 3.65%
Premium Used Motorcycle 84 Months 5.49%
New RV 84 Months 6.99%
Used RV 84 Months 7.49%
New Boat 84 Months 7.75%
Used Boat 84 Months 8.25%
Personal Line of Credit Revolving 11.00%
Signature Loan 60 Months 9.00%
Share Loan 36 Months Share Rate + 3%
Share Loan 72 Months Share Rate + 4%
Share Loan 120 Months Share Rate + 5%
Certificate Loan Certificate Term Certificate Rate + 3%
Rates are current as of May 16, 2017.

*Total aggregate unsecured debt with CFE FCU cannot exceed $30,000.

**Based on vehicle/vessel year, underwriting, and/or amount borrowed. Certain requirements may apply. Maximum term may be determined by the specific loan request made. Maximum term may impact APR. For example, auto loans with 67-84 month terms are subject to an additional 50 bps or .50% rate increase.

All loan rates are subject to change without notice. All loan rates are based on an Annual Percentage Rate (APR). Monthly CFE loans are calculated using the Simple Interest Method. Interest is calculated on the monthly unpaid balance. All loans are subject to qualification of the borrower. Monthly payment amount based upon maximum term. A loan set up fee will be charged on all loans except real estate, share, certificate and line of credit loans. The fee is 2% of the loan amount issued with a minimum fee of $10 and a maximum fee of $35. This loan set up fee will affect the APR shown.