Rates
Effective Feb 10, 2014
Certificate Accounts

Term LengthDividend RateAPY
5 Years1.090% 1.100%
4 Year0.850% 0.850%
3 Year0.600% 0.600%
2 Year0.400% 0.400%
18 Month0.300% 0.300%
1 Year0.250% 0.250%
6 Month0.200% 0.200%
3 Month0.100% 0.100%


Minimum Deposit = $1,000
Minimum IRA Deposit = $500

Savings Accounts

Account TypeMinimum AmountDividend RateAPY
Variable IRA$5.00 0.05%0.05%
Youth Account$5.00 0.05%0.05%
Share Savings$5.00 0.05%0.05%
Money Market$2,500 - $19,999 0.050%0.050%
Money Market$20,000 - $49,999 0.100%0.100%
Money Market$50,000 and up 0.150%0.150%

New Autos & Motorcycles

Term LengthAs Low Asw/ Product DiscountsMinimum Loan Amount
Up to 36 Months0.90% APR0.90% APR
48 Months1.90% APR1.90% APR
60 Months1.90% APR1.90% APR
72 Months2.29% APR2.29% APR$25,000

Used Autos & Motorcycles

Term LengthAs Low Asw/ Product DiscountsMinimum Loan Amount
Up to 36 Months0.90% APR0.90% APR
48 Months1.90% APR1.90% APR
60 Months1.90% APR1.90% APR
72 months (2012 or newer)2.29% APR2.29% APR$25,000
2008 - 20048.00% APR8.00% APR
2003 and Older10.50% APR10.50% APR

* No discounts apply for promotional rates. Refinances of CTCU auto loans subject to rates as of 01/07/2014.

Financing available for boats, trailers, and RVs. Please see a Member Service Officer for more details.

Other Loans

Loan TypeAs Low Asw/ Product Discounts
Signature Loan10.50% APR10.50% APR
Shared Secured Loan2% above dividend rate of secured funds with a minumum of 4% APR

*Not all applicants will qualify for the rates listed above. Your rate will be determined by your credit history.

Fixed Home Equity Loans **

Up to 80%
As Low As*
Between 81% - 90%
As Low As*
1-5 Years4.00% APR6.49% APR
6 - 10 Years5.00% APR7.25% APR
11-15 Years6.50% APR8.00% APR

Maximum loan amount is currently $300,000

Home Equity Line of Credit **

Line of CreditUp to 80%Between 81% - 90%
$5,000 - $49,000Prime - 0.05%Prime + 1.00%
$50,000 - $99,999Prime - 0.10%Prime + 1.00%
$100,000 - $300,000Prime - 0.25%Prime + 1.00%

4.00% floor on all helocs opened after 8/2/09

Minimum rates apply - Please see a Member Service Officer for more details

Maximum Rate = 18%. Maximum loan amount is currently $300,000

** All 2nd position real estate loans on top of jumbo 1st mortgages ($417k) can not have a CLTV higher than 80%

 

Visa Credit Cards

Visa TypeMinimum BalanceRate
Classic$500.00 14.90% APR
Gold$5,000.00 Prime + 2%

 
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