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Rates

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Effective Date 5-8-2023

 

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
0.50%
0.50%
$50,000 - $99,999
1.00%
1.00%
$100,000+
1.19%
1.20%
1 APY = Annual Percentage Yield
2 Fees could reduce earnings on these accounts

Individual Retirement Accounts

Share Certificates

Term1Minimum BalanceRateAPY2
6 months$10002.37%2.40%
12 months$10002.86%2.90%
18 months$10002.86%2.90%
24 months$10002.86%2.90%
36 months$10002.86%2.90%
60 months$10003.64%3.70%
1 penalties may apply for early withdrawals
2 APY = Annual Percentage Yield

Jumbo Share Certificates

Term1Minimum BalanceRateAPY2
6 months$10,0003.64%3.70%
12 months$50,0003.25% 3.30%
12 months$95,0003.45%3.51%
60 months$95,0003.69%3.75%
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 Fixed5.99%6.06%
20-Year Fixed5.75%5.83%
15-Year Fixed5.25%5.36%
High Balance Fixed-Rate Mortgages3
Loan amounts of $500,000 to $1,000,000RateAPR
30-Year Fixed5.99%6.06%
20-Year Fixed5.75%5.83%
15-Year Fixed5.25%5.36%
Home Equity Line of Credit4
Loan amounts of $25,000 to $250,000RateAPR
Adjustable RateAs low as Prime + 0%8.25%
Fixed-Rate Second Mortgages5
Loan amounts of $25,000 to $250,000RateAPR
15-Year Fixed6.50%6.73%
10-Year Fixed6.00%6.39%
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 March 29, 2023 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, 2022 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 Months5.75%5.99%6.5%6.99%
85 – 132 Months5.75%6.25%6.99%7.50%
133 – 180 Months5.99%6.50%7.25%7.99%
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
3.99%33.99%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 March 29, 2023. 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 $29.52 per $1,000 financed at 3.99% 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 5.49% APR for 84 months

Recreational Vehicle Loans

TypeTermAPR1
New or Used RV (90% of purchase)15 Years7.75%2
New or Used RV (75% of purchase)15 Years7.25%3
New or Used Boat (80% of purchase)7 Years6.99%4
New Motorcycle (90% of purchase)60 Months6.99%5
Used Motorcycle (90% of purchase)48 Months6.49%6
Personal Watercraft (90% of purchase)48 Months10.75%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, 2022.

2 Monthly payment is $9.42 per $1,000 financed at 7.75% APR for 180 months
3 Monthly payment is $9.13 per $1,000 financed at 7.25% APR for 180 months
4 Monthly payment is $15.09 per $1,000 financed at 6.99% APR for 84 months
5 Monthly payment is $19.80 per $1,000 financed at 6.99% APR for 60 months
6 Monthly payment is $23.71 per $1,000 financed at 6.49% APR for 48 months
7 Monthly payment is $25.73 per $1,000 financed at 10.75% APR for 48 months

Personal Loans

TypeTermMaximum AmountAPR1
Signature Loan48 months$50,000As low as 8.90%2
Share-Secured Loan60 monthsBalance of Savings4.95%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.

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