Certified Federal Credit Union

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Rates effective as of September 19, 2025 and are subject to change without notice.

Checking, Savings + Money Market Accounts

TypeMinimum Balance
RATE
APY1
Share Draft (Checking)2above $5000
0.04%
0.04%
Savings2All Savings
0.05%
0.05%
Money Market$0 - $9999
0.40%
0.40%
$10,000 - $49,999
0.65%
0.65%
$50,000 - $99,999
1.14%
1.15%
$100,000+
1.49%
1.50%
1 APY = Annual Percentage Yield
2 Fees could reduce earnings on these accounts

Individual Retirement Accounts

TypeTerm
Minimum Balance
Rate
APY1
IRA Certificate212 months
$1000
3.34%
3.40%
IRA Certificate218 months
$1000
3.20%
3.25%
IRA Certificate224 months
$1000
3.10%
3.15%
IRA Certificate236 months
$1000
3.00%
3.05%
IRA Certificate260 months
$1000
3.15%
3.20%
Jumbo Traditional IRA Certificate12 months
$50,000
3.34%
3.40%
Jumbo Traditional IRA Certificate12 months
$95,000
3.59%
3.65%
Jumbo Traditional IRA Certificate60 months
$95,000
3.34%
3.40%
IRAVariable Daily Rate
$0
1.24%
1.25%
1 APY = Annual Percentage Yield
2 Penalties may apply for early withdrawals

Share Certificates

Term1Minimum BalanceRateAPY2
6 months$10002.86%2.90%
12 months$10003.34%3.40%
18 months$10003.20%3.25%
24 months$10003.10%3.15%
36 months$10003.00%3.05%
60 months$10003.15%3.20%
1 penalties may apply for early withdrawals
2 APY = Annual Percentage Yield

Jumbo Share Certificates

Term1Minimum BalanceRateAPY2
6 months$10,0003.59%3.65%
12 months$50,0003.34% 3.40%
12 months$95,0003.59%3.65%
60 months$95,0003.34%3.40%
1 penalties may apply for early withdrawals
2 APY = Annual Percentage Yield

Real Estate Loans

Fixed-Rate Mortgages2
Loan amount not to exceed $499,999RateAPR1
30-Year Fixed5.875%5.907%
20-Year Fixed5.75%5.902%
15-Year Fixed5.125%5.321%
High Balance Fixed-Rate Mortgages3
Loan amounts of $500,000 to $1,000,000RateAPR
30-Year Fixed5.875%5.907%
20-Year Fixed5.75%5.902%
15-Year Fixed5.125%5.321%
Home Equity Line of Credit4
Loan amounts of $25,000 to $250,000RateAPR
Adjustable RateAs low as Prime + 0%7.25%
Fixed-Rate Second Mortgages5
Loan amounts of $25,000 to $250,000RateAPR
15-Year Fixed7.25%7.48%
10-Year Fixed6.75%7.14%
Equal Housing Lender

Certified Federal Credit Union NMLS #403205

Loan approval is subject to credit approval and program guidelines. Interest rate and program terms are subject to change without notice. The APR listed is effective as of September 22, 2025 and is an example of the loan pricing offered for a particular product. Loan pricing that you may qualify for can be different based on your credit history, loan-to-value (LTV), occupancy, property type and other factors.

1 APR = Annual Percentage Rate
2 Fixed-Rate Loans: APR calculation assumes a $250,000 loan with 80% loan to value, owner occupied, single-family residence with a credit score of 620 or above. Conforming Rates are for loans not to exceed $499,999.

3 High Balance Fixed-Rate Loans: APR calculation assumes a $500,000 loan with 80% loan to value, owner occupied, single family residence with a credit score of 620 or above. High Balance rates are for loans exceeding $500,000.

4 HELOC Information: Your variable interest rate will never increase or decrease by more than 2.00 percentage points each year and will never be less than 4.50% APR nor greater than 16.00% APR and will apply to the remaining principal balance. You can obtain credit advances for 120 months (the draw period). During the draw period, payments will be due on a monthly basis. Your minimum periodic payment will be established at the time of each advance or change in interest rate; to the amount necessary to fully amortize your then outstanding account balance no later than 180 months from the Date of Agreement, plus any portion of the minimum payments shown on prior statement(s) which remains unpaid, subject to the lesser of $50.00 or your account balance. If your payment is more than 10 days late you will be charged $20. To maintain a line of credit, you must pay us a $75 inactivity fee FINANCE CHARGE. You will pay $400 if you cancel your Line of Credit (LOC) for any reason in the first 3 years. You must carry insurance on the property that secures this plan. Loan amounts $25,000-$100,000 up to 80% CLTV. CLTV = Combined Loan-to-Value. Rates are accurate as of December 19, 2024 5 Fixed rate Second Loans: APR Calculation assumes $50,000 loan with 80% Combined loan to value, owner occupied, single family residence with a minimum FICO of 660.

Solar Loans

TERMFICO Score 720+680-719620-679600-619
Up to 84 Months8.75%8.99%9.5%9.99%
85 – 132 Months8.75%9.25%9.99%10.50%
133 – 180 Months9.99%10.50%11.25%11.99%
Conditions to lend:
- Loan amounts from $5,000 to $75,000
- Fixed Term from 5 to 15 years
- No annual fee or prepayment fee
- Signed contract required from Licensed Solar Contractor approved by Certified FCU
- Permit approval required before funding
- Property must be owner occupied primary residence located in California
- Lien placed on property through UCC Financing Statement for all loans over $10,000 (A UCC Financing Statement is filed to perfect a security interest in named collateral and established priority in case of debtor default or bankruptcy)
- Late fee = 5% of payment after 10 days
- Is interest deductible? We do not give tax advice

New + Used Vehicle Loans

Term
Minimum Loan Balance
APR for New1APR for Used1
36 months
N/A
4.09%34.09%3
48 months
N/A
4.99%45.49%5
60 months
N/A
4.99%65.49%7
72 Months2
$15,000
5.49%85.99%9
84 Months2
$25,000
5.99%106.49%11
1 APR = Annual Percentage Rate. Rates effective as of May 1, 2025. Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice.

2 Minimum loan amount for 72 months = $15,000 and 84 months is $25,000

3 Monthly payment is $29.57 per $1,000 financed at 4.09% APR for 36 months
4 Monthly payment is $23.03 per $1,000 financed at 4.99% APR for 48 months
5 Monthly payment is $23.25 per $1,000 financed at 5.49% APR for 48 months
6 Monthly payment is $18.87 per $1,000 financed at 4.99% APR for 60 months
7 Monthly payment is $19.10 per $1,000 financed at 5.49% APR for 60 months
8 Monthly payment is $16.33 per $1,000 financed at 5.49% APR for 72 months
9 Monthly payment is $16.57 per $1,000 financed at 5.99% APR for 72 months
10 Monthly payment is $14.61 per $1,000 financed at 5.99% APR for 84 months
11 Monthly payment is $14.85 per $1,000 financed at 6.49% APR for 84 months

Recreational Vehicle Loans

TypeTermAPR1
New or Used RV (90% of purchase)15 Years8.75%2
New or Used RV (75% of purchase)15 Years8.25%3
New or Used Boat (80% of purchase)7 Years8.99%4
New Motorcycle (90% of purchase)60 Months8.99%5
Used Motorcycle (90% of purchase)48 Months8.49%6
Personal Watercraft (90% of purchase)48 Months12.75%7
1 APR = Annual Percentage Rate. Standard rate based on Premier FICO score 750+. Certified Federal Credit Union has a managed-risk credit program and rates vary based on your individual FICO score. Rates are accurate as of October 10, 2024.

2 Monthly payment is $9.42 per $1,000 financed at 8.75% APR for 180 months
3 Monthly payment is $9.13 per $1,000 financed at 8.25% APR for 180 months
4 Monthly payment is $15.09 per $1,000 financed at 8.99% APR for 84 months
5 Monthly payment is $19.80 per $1,000 financed at 8.99% APR for 60 months
6 Monthly payment is $23.71 per $1,000 financed at 8.49% APR for 48 months
7 Monthly payment is $25.73 per $1,000 financed at 12.75% APR for 48 months

Personal Loans

TypeTermMaximum AmountAPR1
Signature Loan48 months$50,000As low as 10.90%2
Share-Secured Loan60 monthsBalance of Savings5.95%3
Uniform/Union Dues Loan$10/Week$25017.90%
PayDay Loan1-12 months$200 - $2,00027.90%
1APR = Annual Percentage Rate. Certified Federal Credit Union has a managed-risk credit program and rates vary based on your individual FICO score, except for Share-Secured Loans.

2 Monthly payment is $24.84 per $1,000 financed at 8.90% APR for 48 months,
3 Monthly payment is $108.33 or $18.85 per $1,000 financed at 4.95% APR for 60 months, whichever is greater.

MORE Rewards Visa

IMPORTANT VISA DISCLOSURE INFORMATION

The below information is current as of March 1, 2025. This information is subject to change after that date.

Please contact us at P.O. Box 8023, El Monte, CA 91734, to learn of any changes.

MORE Rewards VisaShare Secured
Non-Variable Annual Percentage Rate
for Purchases		8.90%-17.90%*based on credit worthiness10.90%
Non-Variable Annual Percentage Rate
for Balance Advances		8.90%-17.90%*based on credit worthiness10.90%
Non-Variable Annual Percentage Rate
for Cash Advances		8.90%-17.90%*based on credit worthiness10.90%
0% Promotion Terms for Balance TransfersPromotional APR of 0% APR is through the first 6 billing cycles from account opening. If any balance is remaining after the promotional period, the APR will revert to your standard non-variable Visa interest rate. 0% balance transfer offer is eligible for CFCU cardholders, when balances are transferred from other institutions.
Transaction Fee for Promotional Balance Transfer3% charged for all Balance Transfers with a minimum of $5.00
How to Avoid Paying Interest on PurchasesYour due date is at least 26 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month
Overlimit Feeup to $29.00
Annual FeeNONE
Transactional Fee for Cash Advances / Overdraft2% charged on all cash advances (minimum $5.00, maximum $50.00) and $5.00
checking account overdraft fee
Late Payment Feeup to $29.00
Minimum Interest ChargeIf you are charged periodic interest, the charge will be no less than $0.50
Penalty APR17.9%
This penalty APR may be applied to your account if you make a late payment.
How long will penalty APR apply? If your APR increases for this reason, the penalty
APR will apply until you make six (6) consecutive minimum payments when due.
Purchases during this time period will remain at penalty rate.
Foreign Transaction Fees1% of international transaction requiring currency conversion
Returned Payment Fees$23.00
For Credit Card Tips from the Federal Reserve BoardTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
*How your finance charge is calculated: We use a method called “average daily balance (including new purchases)”. Certified Federal has a managed-risk credit program with rates based on FICO scores. Your rate will be determined at the point of processing. You authorize Certified Federal, to verify or check any of the information given, including credit references and employment. You authorize Certified Federal to obtain credit reports from any credit reporting agency in connection with your application or with any updated renewal or extension of credit (including your spouse’s if you live in a community property state). You authorize Certified Federal to provide credit information about you and your account to others. You also agree to be bound by the terms and conditions of the Visa Card Agreement and Federal Truth-in-Lending Disclosure Statement for your account. Any credit access devices issued for this account may be sent to the applicant only, and he or she is responsible for ensuring that the additional access devices are delivered to the other applicant on the account. All terms are subject to change. For more information, call 323.859.2250.