Rates
All rates subject to change. Final rates are quoted at the credit union.
Deposit Accounts (Effective January 1, 2012)
For Regular Shares, Prime Shares and Share Draft Accounts:
Monthly dividends on the average daily balance of $100 or above.
Rates are set by the Board of Directors each month.
Share Certificates (Effective January 1, 2012)
Monthly dividends on the average daily balance.
90-day interest penalty for early withdrawal.
One-time Bump Rate certificate available for 3 or 5 year. $25,000 minimum. Call credit union for details.
APY* = Annual Percentage Yield
Deposit Accounts (Effective January 1, 2012)
| Type of Account | Minimum Balance | Dividend Rate | APY* |
| Regular Shares | $5.00 | 0.10% | 0.1000% |
| Prime Shares | Tiers | APR | APY |
| --- | Under $100 | 0.00% | 0.00% |
| --- | $100 - $10,000 | 0.20% | 0.2002% |
| --- | $10,001 - $25,000 | 0.30% | 0.3004% |
| --- | $25,001 - $50,000 | 0.50% | 0.5012% |
| --- | $50,001 and Over | 0.60% | 0.6018% |
| Share Draft (Checking) | $100.00 | 0.05% | 0.05% |
For Regular Shares, Prime Shares and Share Draft Accounts:
Monthly dividends on the average daily balance of $100 or above.
Rates are set by the Board of Directors each month.
Share Certificates (Effective January 1, 2012)
| Type of Account | Minimum Balance | Dividend Rate | APY* |
| 1 Year | $1000.00 | 0.65% | 0.6521% |
| 2 Year | $1000.00 | 0.75% | 0.7528% |
| 3 Year | $1000.00 | 0.90% | 0.9041% |
| 5 Year | $1000.00 | 1.23% | 1.2376% |
Monthly dividends on the average daily balance.
90-day interest penalty for early withdrawal.
One-time Bump Rate certificate available for 3 or 5 year. $25,000 minimum. Call credit union for details.
APY* = Annual Percentage Yield
Share Secured Loans
Unsecured Loans
Add 1.00% for each year above 36 months.
Vehicle Loans (New & Used)
All auto rates based on 100% of auto value.
Add 1.00% for 100%-110% financing.
Add 0.50% for each additional 6 months.
Add 1.00% for high mileage.
Add 2.00% for 110% plus financing.
Final vehicle rate determined by credit score, year of vehicle, mileage of vehicle and term of loan.
Call credit union for minimum rate allowed on all vehicle loans.
Late Charge:
If payment is more than 15 days late, you will be charged ten percent (10%) of the scheduled payment. Minimum of $10.00.
Collection Costs:
You promise to pay all cost of collection of the amount you owe under your loan ageement including court cost and reasonable attorney fees.
Rate Reduction for using our services (0.10% for each):
Prime Share Account (Minimum Balance of $1,000)
Automatic Transfer (new)
Direct Deposit (new or existing)
Share Certificate (new or existing)
Share Draft Account (new or been used within the past 30 days)
CPFCU VISA Credit Card (new or been used within the past 60 days)
*Rate reductions do not apply to Share Secured Loans
| Rate (APR*) | Maximum Term | Maximum Amount |
| 2.00% above Share Rate | 120 months | none |
Unsecured Loans
| Credit Score | Rate (APR*) | Term | Maximum Amount |
| Over 750 | 7.99% | 60 months | $25,000.00 |
| 650-749 | 9.49% | 60 months | $20,000.00 |
| 600-649 | 11.49% | 60 months | $7,500.00 |
| Less than 600 | 14.99% | 60 months | $5,000.00 |
Add 1.00% for each year above 36 months.
Vehicle Loans (New & Used)
| Credit Score | Term | Rate (APR*) |
| Over 750 | Up to 72 months | 4.99% |
| Over 750 | Up to 84 months (over $35,000) | 5.99% |
| 650-749 | Up to 72 months | 5.99% |
| 650-749 | Up to 84 months (over $35,000) | 6.99% |
| 649-600 | Up to 72 months | 6.99% |
| 649-600 | Up to 84 months (over $35,000) | 7.99% |
| Less than 600 | Up to 72 months | 7.99% |
| Less than 600 | Up to 84 months (over $35,000) | 8.99% |
All auto rates based on 100% of auto value.
Add 1.00% for 100%-110% financing.
Add 0.50% for each additional 6 months.
Add 1.00% for high mileage.
Add 2.00% for 110% plus financing.
Final vehicle rate determined by credit score, year of vehicle, mileage of vehicle and term of loan.
Call credit union for minimum rate allowed on all vehicle loans.
Late Charge:
If payment is more than 15 days late, you will be charged ten percent (10%) of the scheduled payment. Minimum of $10.00.
Collection Costs:
You promise to pay all cost of collection of the amount you owe under your loan ageement including court cost and reasonable attorney fees.
Rate Reduction for using our services (0.10% for each):
Prime Share Account (Minimum Balance of $1,000)
Automatic Transfer (new)
Direct Deposit (new or existing)
Share Certificate (new or existing)
Share Draft Account (new or been used within the past 30 days)
CPFCU VISA Credit Card (new or been used within the past 60 days)
*Rate reductions do not apply to Share Secured Loans
For Mortgage, HomeEquity and Credit Card Rates please contact the credit union.