| Savings |
Minimum Balance
|
Dividend
Rate
|
APY*
|
Dividend
Paid
|
| Regular Share Savings |
$10
|
0.85%
|
0.85%
|
Qtrly
|
| Other Shares |
$100
|
0.85%
|
0.85%
|
Qtrly
|
| Checking Accounts |
N/A
|
0.00%
|
0.00%
|
---
|
| Individual Retirement Account (IRA) |
$250
|
1.98%
|
2.00%
|
Qtrly
|
| IRA Rollover |
N/A
|
1.98%
|
2.00%
|
Qtrly
|
| Christmas Club |
N/A
|
0.85%
|
0.85%
|
Mo
|
| Vacation Club |
$100
|
0.99%
|
1.00%
|
Qtrly
|
| Money Management Accounts |
Minimum Balance
|
Dividend
Rate
|
APY*
|
Dividend
Paid
|
| $0.01 to $2,499.99 |
$0.01
|
0.99%
|
1.00%
|
Mo
|
| $2,500 to $4,999.99 |
$2,500
|
1.24%
|
1.25%
|
Mo
|
| $5,000 to $24,999.99 |
$5,000
|
2.23%
|
2.25%
|
Mo
|
| $25,000 to $49,999.99 |
$25,000
|
2.42%
|
2.50%
|
Mo
|
| $50,000 to $149,999.99 |
$50,000
|
2.715%
|
2.75%
|
Mo
|
| $150,000.00 and up |
$150,000
|
2.96%
|
3.00%
|
Mo
|
| Certificates of Deposit |
Mininum Balance
|
Dividend
Rate
|
APY*
|
Interest Paid
|
| One Year (Youth) |
$100
|
3.10%
|
3.15%
|
Mo
|
| Six Month |
$500
|
3.05%
|
3.10%
|
Mo
|
| One Year |
$500
|
3.35%
|
3.40%
|
Mo
|
| Two Year |
$500
|
3.40%
|
3.45%
|
Mo
|
| Three Year |
$500
|
3.49%
|
3.55%
|
Mo
|
| Four Year |
$500
|
3.53%
|
3.60%
|
Mo
|
| Five Year |
$500
|
3.59%
|
3.65%
|
Mo
|
| Jumbo Certificates of Deposit |
Minimum Balance
|
Interest Rate
|
APY*
|
Interest Paid
|
| Six Month |
$100,000
|
3.29%
|
3.35%
|
Mo
|
| One Year |
$100,000
|
3.59%
|
3.65%
|
Mo
|
| Two Year |
$100,000
|
3.64%
|
3.70%
|
Mo
|
| Three Year |
$100,000
|
3.74%
|
3.80%
|
Mo
|
| Four Year |
$100,000
|
3.77%
|
3.85%
|
Mo
|
| Five Year |
$100,000
|
3.83%
|
3.90%
|
Mo
|
| *APY = Annual Percentage Yield. Penalty for early withdrawl for Certificates of Deposit. Rates as of 4/22/08 |
| Loans - New or Used Vehicle |
Term
|
APR*
As Low As
|
| Auto Loan |
Up to 60 months
|
5.25%
|
Apply
|
| Auto Loan (over $15,000) |
Up to 72 months
|
5.50%
|
Apply
|
| Auto Loan (over $35,000) |
84 months and over
|
6.50%
|
Apply
|
| Used Auto (2004) |
Up to 72 months
|
6.25%
|
Apply
|
| Used Auto (2001 to 2003) |
Up to 60 months
|
6.50%
|
Apply
|
| Used Auto (1998 to 2000) |
Up to 48 months
|
7.25%
|
Apply
|
| RV, Motorcycle, Boats, Jet Skis, Snowmobiles, ATV |
Term
|
APR*
As Low As
|
| Recreational Vehicle |
Up to 84 months fixed
|
6.75%
|
Apply
|
| Recreational Vehicle |
85 to 144 over $15K ARM
|
7.00%
|
Apply
|
| Recreational Vehicle |
145 to 180 over $25K ARM
|
7.00%
|
Apply
|
| Recreational Vehicle |
181 to 240 over $50K ARM
|
6.75%
|
Apply
|
| Signature Loans |
Term
|
APR*
As Low As
|
| Minimum loan - $300; Total aggregate of $15K unsecured |
Up to 60 months
|
10.00%
|
Apply
|
| Mobile Homes |
Term
|
APR*
As Low As
|
| New Homes - 10% down payment required |
Up to 180 months
|
8.00%
|
Apply
|
| Used Homes - 20% down payment required |
Max 15 yrs above home's age
|
9.00%
|
Apply
|
| Share Secured |
Term
|
APR*
As Low As
|
| Secured by Credit Union Shares |
12 months
|
6.00%
|
Apply
|
| Secured by Credit Union Shares |
13 to 24 months
|
6.50%
|
Apply
|
| Secured by Credit Union Shares |
25 to 36 months
|
7.00%
|
Apply
|
| Secured by Credit Union Shares |
37+ months
|
7.50%
|
Apply
|
| Secured by Certificate of Deposit |
Variable
|
3% above CD
|
Apply
|
| Revolving Credit |
Term
|
APR*
As Low As
|
| Line of Credit |
Open
|
12.90%
|
Apply
|
| VISA Platinum |
Open
|
9.50%
|
Apply
|
| VISA Classic |
Open
|
12.90%
|
Apply
|
| Fixed Rate Mortgages |
Points
|
APR*
As Low As
|
| 10 Year Fixed Rate Mortgage |
0
|
5.750%
|
| 10 Year Fixed Rate Mortgage |
1
|
5.500%
|
| 10 Year Fixed Rate Mortgage |
2
|
5.250%
|
| 15 Year Fixed Rate Mortgage |
0
|
5.750%
|
| 15 Year Fixed Rate Mortgage |
1
|
5.500%
|
| 15 Year Fixed Rate Mortgage |
2
|
5.250%
|
| 20 Year Fixed Rate Mortgage |
0
|
6.125%
|
| 20 Year Fixed Rate Mortgage |
1
|
5.875%
|
| 20 Year Fixed Rate Mortgage |
2
|
5.625%
|
| 30 Year Fixed Rate Mortgage |
0
|
6.250%
|
| 30 Year Fixed Rate Mortgage |
1
|
6.000%
|
| 30 Year Fixed Rate Mortgage |
2
|
5.750%
|
| 40 Year Fixed Rate Mortgage |
0
|
6.625%
|
| 40 Year Fixed Rate Mortgage |
1
|
6.375%
|
| 40 Year Fixed Rate Mortgage |
2
|
6.125%
|
| Interest First Mortgage |
0
|
6.750%
|
| Interest First Mortgage |
1
|
6.500%
|
| Interest First Mortgage |
2
|
6.250%
|
| Adjustable Rate Mortgages |
Points
|
APR*
As Low As...
|
| One Year (First Mortgage) |
N/A
|
5.250%
|
| Three Year (First Mortgage) |
N/A
|
5.500%
|
| Five Year (First Mortgage) |
N/A
|
5.750%
|
| Seven Year (First Mortgage) |
N/A
|
7.000%
|
| Ten Year (First Mortgage) |
N/A
|
7.250%
|
| One Year (Second Mortgage) |
N/A
|
6.250%
|
| Three Year (Second Mortgage) |
N/A
|
6.500%
|
| Five Year (Second Mortgage) |
N/A
|
6.750%
|
| Seven Year (Second Mortgage) |
N/A
|
7.000%
|
| Ten Year (Second Mortgage) |
N/A
|
7.250%
|
| Home Equity Line of Credit |
Points
|
APR*
As Low As...
|
| Five Year ARM - 80% LTV (fixed for 60 months) |
N/A
|
5.250%
|
| Five Year ARM - 90% LTV (fixed for 60 months) |
N/A
|
5.750%
|
| Bridge Loan |
Points
|
APR*
As Low As...
|
| Nine Month Bridge Loan |
N/A
|
7.625%
|
| Construction Loan |
Points
|
APR*
As Low As...
|
| 12 Month Construction Loan |
N/A
|
7.250%
|
| Construction to Mortgage (5 Year ARM) |
N/A
|
6.250%
|
| Construction to Mortgage (12 Months) |
N/A
|
6.750%
|
| Vacant Land Loan |
Points
|
APR*
As Low As...
|
| Vacant Land |
N/A
|
6.250%
|
| *APR = Annual Percentage Rate. Some loans qualify for a .25 discount based on direct deposit with CMCCU. Rates are "as low as" and are subject to credit history, terms, and other factors. Rates as of 05/15/08. |
