Rates

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.

 

 

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