Rates - Community First Credit Union

Savings
Type	Minimum Balance	Dividend Rate	APY¹
Membership & Regular Savings	$100	0.25	0.25
Youth Savings	$25	0.25	0.25
Holiday Club	$25	0.25	0.25
Health Savings Account	None	0.60	0.60

IRA Money Market Accounts (Traditional, Roth or Coverdell Education Savings Account)
Type	Minimum Balance	Dividend Rate	APY¹
Member's Choice IRA Money Market (with active checking*)	$150,000	1.74	1.75
Member's Choice IRA Money Market (with active checking*) ²	$75,000	1.34	1.35
Member's Choice IRA Money Market (without checking)	$150,000	1.09	1.10
Member's Choice IRA Money Market (without checking) ²	$75,000	0.90	0.90
Ultimate IRA Money Market ³	$15,000	0.85	0.85
Affordable IRA Money Market ⁴	$7,500	0.60	0.60

¹APY=Annual Percentage Yield
² Balances falling below $75,000 earn a rate and APY of 0.25%, and incur a $25 monthly service charge.
³ Balances falling below $15,000 earn a rate and APY of 0.25%, and incur a $15 monthly service charge.
⁴ Balances falling below $7,500 earn a rate and APY of 0.25%, and incur a $15 monthly service charge.
*Active checking defined as 4 or more transactions per month.

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Member's Choice Money Market
Type	Minimum Balance	Dividend Rate	APY¹
With Active Checking* ²	$150,000	1.74	1.75
With Active Checking* ²	$75,000	1.34	1.35
Without Checking ²	$150,000	1.09	1.10
Without Checking ²	$75,000	0.90	0.90

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Ultimate Money Market
Type	Minimum Balance	Dividend Rate	APY¹
Ultimate Money Market ²	$15,000	0.85	0.85

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Affordable Money Market
Type	Minimum Balance	Dividend Rate	APY¹
Affordable Money Market ²	$7,500	0.60	0.60

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Certificates
Type	Minimum Balance	Dividend Rate	APY¹
CD Special: 28 Month	$5,000	3.93	4.00
CD Special: 14 Month	$5,000	3.93	4.00
3 Month	$2,500	1.24	1.25
6 Month	$2,500	1.49	1.50
1 Year	$1,000	2.47	2.50
18 Month	$1,000	2.57	2.60
2 Year	$1,000	2.72	2.75
3 Year	$1,000	2.96	3.00
5 Year	$1,000	3.20	3.25

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IRA Certificates
Type	Minimum Balance	Dividend Rate	APY¹
IRA CD Special: 28 Month	$5,000	3.94	4.00
IRA CD Special: 14 Month	$5,000	3.94	4.00
1 Year	$1,000	2.48	2.50
18 Month	$1,000	2.58	2.60
2 Year	$1,000	2.72	2.75
3 Year	$1,000	2.97	3.00
5 Year	$1,000	3.21	3.25

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IRA Accounts
Type	Minimum Balance	Dividend Rate	APY¹
Accumulator IRA	None	0.35	0.35

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Checking Accounts
Type	Minimum Balance	Dividend Rate	APY¹
Member's Choice Checking	All Balances ²	0.15	0.15
Direct Benefit & Regular Checking	$5,000+	0.10	0.10
Direct Benefit & Regular Checking	$500 - $4,999.99	0.05	0.05
Free Checking	$0	0.00	0.00

Effective November 30, 2022

¹ APY= Annual Percentage Yield
² Minimum combined loan and/or deposit balance required to open and maintain account. Earn interest on all balances when you maintain $15,000 or more in total deposits (not including required share accounts and escrow), $25,000 or more in total household loan balances (includes outstanding balances on consumer loans, home equity loans and lines and Kwik Cash loans) OR $30,000 or more in total household deposit and loan balances as described.
Rates may change after account opening and fees may reduce earnings.

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Business Checking
Type	Minimum Balance	Dividend Rate	APY¹
Tier 1	$2,500	0.05	0.05
Tier 2	$25,000	0.10	0.10
Tier 3	$50,000	0.20	0.20

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Loan Rates

Auto and Motorcycle – 2021 & newer
Term	APR¹ (as low as)	Monthly Payment²
48 months	4.990	$23.02
60 months	4.990	18.87
66 months	4.990	$17.36
72 months	4.990	$16.10
84 months ³	5.990	$14.60

Effective November 30, 2022

¹ APR = Annual Percentage Rate. Your account relationship and credit score determine your rate. All loans subject to credit approval. Rates subject to change without notice.
² Monthly payment is based on payment per $1,000 for term and rate shown above.
³ Not available for motorcycle financing. $30,000 minimum loan amount required.

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Auto and Motorcycle – 2016 to 2020
Term	APR¹ (as low as)	Monthly Payment²
36 months	4.990	$29.97
48 months ³	4.990	$23.02
60 months ⁴	4.990	$18.87
66 months ⁴	4.990	$17.36
72 months ⁵	4.990	$16.10

Effective November 30, 2022

¹ APR = Annual Percentage Rate. Your account relationship and credit score determine your rate. All loans subject to credit approval. Rates subject to change without notice.
² Monthly payment is based on payment per $1,000 for term and rate shown above.
³Maximum term for 2016 model year.
⁴Available for 2017 & newer model years only.
⁵Available for 2018 & newer model years only

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Auto and Motorcycle – 2013 to 2015
Term	APR¹ (as low as)	Monthly Payment²
24 months	5.990	$44.32
36 months	5.990	$30.42
48 months	5.990	$23.48

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Boats and RVs – 2016 & newer
Term	APR¹ (as low as)	Monthly Payment²
36 months	4.990	$29.97
48 months ³	4.990	$23.02
60 months ⁴	4.990	$18.87
66 months ⁴	4.990	$17.36
72 months ⁵	4.990	$16.10
72 months - up to 120 mo. amortization ^5,⁶	4.990	$10.60
72 months - up to 180 mo. amortization ^5,^6,⁷	4.990	$7.90

Effective November 30, 2022

¹APR = Annual Percentage Rate. Your account relationship and credit score determine your rate. All loans subject to credit approval. Rates subject to change without notice.
² Monthly payment is based on payment per $1,000 for term and rate shown above.
³ Maximum term for 2016 model year
4 Available for 2017 & newer model years only.
5 Available for 2018 & newer model years only.
6 Monthly payment on $20,000.00, 120-month amortization results in 71 payments of $212.03 and a final payment of $9,420.96. Monthly payment on $25,000.00, 180-month amortization results in 71 payments of $197.57 and a final payment of $17,358.83.

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Boats and RVs – 2013 to 2015
Term	APR¹ (as low as)	Monthly Payment²
24 months	5.990	$44.32
36 months	5.990	$30.42
48 months	5.990	$23.48

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Powersports – 2016 & newer
Term	APR¹ (as low as)	Monthly Payment²
24 months	4.990	$43.87
36 months	4.990	$29.97
48 months	4.990	$23.02
60 months ³	4.990	$18.87

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Powersports – 2013 to 2015
Term	APR¹ (as low as)	Monthly Payment²
24 months	5.990	$44.32
36 months	5.990	$30.42
48 months	5.990	$23.48

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Homeowners Xpress Personal Loan
Term	APR¹ (as low as)	Monthly Payment²
Up to 84 months	7.99	$15.58

Effective November 30, 2022

¹APR = Annual Percentage Rate. All loans subject to credit approval. Rates subject to change without notice. For best rate, you must have checking, auto pay, direct deposit, and first mortgage with Community First Credit Union.
²Monthly payment is based on payment per $1,000 for term and rate shown above. Maximum loan amount of $30,000.

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Personal Signature Loan
Type	Term	APR¹ (as low as)	Monthly Payment²
Unsecured	Up to 36 months	9.74	$32.15

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Kwik Cash Line of Credit
APR¹ (as low as)	Monthly Payment²
13.90	$40.00

Effective November 30, 2022

¹ APR = Annual Percentage Rate. All loans subject to credit approval. Rates subject to change without notice. For best rate, you must have checking, auto pay, direct deposit, and first mortgage with Community First Credit Union.
² Monthly payment is based on payment per $1,000 for term and rate shown above. Payment is 4% of the outstanding balance.

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Credit Card Rates

Great Rate Platinum Credit Card
Type	APR¹ (as low as)
MasterCard® or Visa®	8.99

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Great Rewards Platinum Credit Card
Type	APR¹ (as low as)
MasterCard® or Visa®	10.99

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Student Starter Credit Card
Type	APR¹ (as low as)
MasterCard® or Visa®	9.99

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Secured Credit Card
Type	APR¹ (as low as)
Visa®	15.99

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Mortgage & Home Equity Rates

We offer other traditional Fixed or Adjustable Rate First Mortgage rate and term options.

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Home Equity Loan
Term	Note Rate (as low as)	APR¹ (as low as)	Monthly Payment²
6 years	4.875	4.995	$5.29

Effective November 30, 2022

¹APR = Annual Percentage Rate. Some restrictions may apply. Your actual rate and term is determined by your account history and credit score and a loan to value (LTV) of 80% or less. Rates subject to change without notice. APR includes $200 loan processing fee. New money minimum: $20,000 - First Mortgage only.
²Monthly payment is based on payment per $1,000 for term and rate shown above. Monthly payment example on $100,000.00, 30-year amortization results in 72 payments of $529.21 and a final payment of $90,269.45 Payment examples do not include taxes and insurance premiums; actual payment obligation may be greater.

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Home Equity Line of Credit
Type	Term	APR¹ (as low as)	Monthly Payment²
Line of Credit ³	Up to 10 year draw period	6.500	$15.00

Effective November 30, 2022

¹ APR = Annual Percentage Rate. Your account relationship, credit score and a loan to value (LTV) of 80% or less determine your rate. Rates subject to change. Variable rate tied to Wall Street Prime Rate.
² Monthly payment is based on payment per $1,000 for term and rate shown above. Minimum monthly payment required is 1.5% of balance.
³ Minimum line amount $10,000.

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First Mortgage Balloon
Note Rate (as low as)	Term	APR¹ (as low as)	Monthly Payment²
4.875	6 years (up to 30 year amortization)	4.995	$5.29

Effective November 30, 2022

¹APR = Annual Percentage Rate. Some restrictions may apply. Your actual rate and term is determined by your account history and credit score and a loan to value (LTV) of 80% or less. Rates subject to change without notice. APR includes $200 loan processing fee. New money minimum: $20,000 - First Mortgage only.
²Monthly payment is based on payment per $1,000 for term and rate shown above. Monthly payment example on $100,000.00, 30-year amortization results in 119 payments of $575.66 and a final payment of $83,407.92. Payment examples do not include taxes and insurance premiums; actual payment obligation may be greater. Real Estate/Home Equity payment examples do not include taxes, insurance or closing costs. Does not apply to purchase, construction, investment, commercial, land or multi family properties.

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10 Year Lock It Loan
Note Rate (as low as)	Term	APR¹ (as low as)	Monthly Payment²
5.625	10 years (up to 30 year amortization)	5.699	$5.76

Effective November 30, 2022

¹APR = Annual Percentage Rate. Some restrictions may apply. Your actual rate and term is determined by your account history and credit score and a loan to value (LTV) of 80% or less. Rates subject to change without notice. APR includes $200 loan processing fee. New money minimum: $20,000 - First Mortgage only.
²Monthly payment is based on payment per $1,000 for term and rate shown above. Monthly payment example on $100,000.00, 30-year amortization results in 119 payments of $559.97 and a final payment of $82,806.30. Payment examples do not include taxes and insurance premiums; actual payment obligation may be greater. Real Estate/Home Equity payment examples do not include taxes, insurance or closing costs. Does not apply to purchase, construction, investment, commercial, land or multi family properties.

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10 & Done Home Loan
Note Rate (as low as)	Term	APR¹ (as low as)	Monthly Payment²
5.500	10 years	5.544	$10.85

Effective November 30, 2022

¹APR = Annual Percentage Rate. Some restrictions may apply. Your actual rate and term is determined by your account history and credit score and a loan to value (LTV) of 80% or less. Rates subject to change without notice. APR includes $200 loan processing fee. New money minimum: $20,000 - First Mortgage only.
²Monthly payment is based on payment per $1,000 for term and rate shown above. Monthly payment example on $100,000.00, 10-year amortization results in 119 payments of $1,085.26 and a final payment of $1,085.26. Payment examples do not include taxes and insurance premiums; actual payment obligation may be greater. Real Estate/Home Equity payment examples do not include taxes, insurance or closing costs. Does not apply to purchase, construction, investment, commercial, land or multi family properties.

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We offer other traditional Fixed or Adjustable Rate First Mortgage rate and term options.

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Fees

Checking Account Fees

Overdraft Fee	$25 per occurrence (Maximum of 6/day)
Overdraft Transfer Fee	$12 per occurrence when transferred from savings
Returned Check Charge	$12 per item on deposited items
ACH Return Fee	$25
ACH Paper Return Fee	$55
Stop Payment Fee	$25
Account Closing Fee, within 30 days of account opening	$10
Check Printing	Varies by style
Check Copy Fee	$2 per copy
Receipt Copy Fee	$1 per copy
Account History Fee	$1 per page
Account Reconciliation	$15 per hour
Account Research Fee	$15 per hour
Inactive Account Fee	$2 per month

ATM Card & VISA® Check Card Fees

Transactions	Free unlimited transactions at all POS or merchant terminals
Card or PIN Replacement Fee	$5
Overdraft Fee	$25 per occurrence
ATM Out-of-State Transactions	$2 each
International Fee	A fee of 1.00% of the amount of the transaction, calculated in US dollars, will be imposed on all foreign transactions, including purchases, cash withdrawals, and credits to your account.

Miscellaneous Fees

Domestic Outgoing Wire Transfer	$20
Domestic Incoming Wire Transfer	$10
International Wire Transfer	$100
Money Order Fee	$1
Commercial Money Order Fee	$40
Foreign Check Collection Fee	$50
Cashiers Check Fee	$1

Pop Money

Sent Via	Delivery Time	Amount	Fee
Email Address or Mobile Phone Number	3 Day Delivery	$0.00 - $249.99, $250.00 - $999.99, $1000.00 and more	$0.50, $0.75, $1.50
Bank Account Information	3 Day Delivery	$0.00 - $249.99, $250.00 - $999.99, $1000.00 and more	$0.50, $0.75, $1.75
Email Address or Mobile Phone Number	Next Day Delivery	$0.00 - $249.99, $250.00 - $999.99, $1000.00 and more	$0.85, $1.00, $2.00
Bank Account Information	Next Day Delivery	$0.00 - $249.99, $250.00 - $999.99, $1000.00 and more	$0.85, $1.00, $2.00

Deposit Rates

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More information on IRA accounts

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Loan Rates

Credit Card Rates

Mortgage & Home Equity Rates

We offer other traditional Fixed or Adjustable Rate First Mortgage rate and term options.

We offer other traditional Fixed or Adjustable Rate First Mortgage rate and term options.

Fees