Current Rates


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Savings Rates

Account Type Minimum to Open Annual Percentage Rate Annual Percentage Yield
Regular Savings $5.00 0.10% 0.10%*
Courtesy Checking $0.00 0.05% 0.05%
Youth Savings $50.00 0.20% 0.20%
Club Accounts
(Holiday, Winter Relief, Spring Savings, Summer Savers)
$1.00 0.20% 0.20%
Traditional IRA $0.00 0.15% 0.15%
Money Market - Tiered Rate
$500 - $24,999 $500.00 2.25% 2.27%**
$25,000 - $49,999 $25,000.00 2.50% 2.53%**
$50,000 and Up $50,000.00 2.75% 2.79%**
Share Certificates Balances $500.00-$49,999.99**
6-month $500.00 4.50% 4.57%**
1 Year $500.00 3.75% 3.80%**
2 Year $500.00 2.25% 2.27%**
3 Year $500.00 2.10% 2.12%**
Share Certificates Balances $50,000.00 and Higher**
6-month $50,000.00 5.00% 5.09**
1 Year $50,000.00 4.00% 4.06%**
2 Year $50,000.00 2.25% 2.27%**
3 Year $50,000.00 2.10% 2.12%**
IRA Certificates Balances $500.00-$49,999.99**
Roth/Coverdell 1 Year $500.00 3.75% 3.80%**
Roth/Coverdell 2 Year $500.00 2.25% 2.27%**
Roth/Coverdell 3 Year $500.00 2.10% 2.12%**
IRA Certificates Balances $50,000.00 and Higher**
Roth/Coverdell 1 Year $50,000.00 4.00% 4.06%**
Roth/Coverdell 2 Year $50,000.00 2.25% 2.27%**
Roth/Coverdell 3 Year $50,000.00 2.10% 2.12%**

Home Loans

Home Equity Line-of-Credit (Variable Rate)

Rates Starting @ Term Maximum Loan Amount
Prime Minus 100 Basis Points 5-Year Draw/10-Year Payback Up to 100% Combined Loan to Value
Rates not to exceed Prime plus 7.50% APR* with a lifetime ceiling of 18% APR*
Second Mortgage (Fixed Rate)
Prime Plus 1.00% APR* Up to 3 Years Up to 100% Combined Loan to Value
Prime Plus 2.50% APR* 3 Years, 1 Day to 6 Years Up to 100% Combined Loan to Value
Prime Plus 2.75% APR* 6 Years, 1 Day to 10 Years Up to 100% Combined Loan to Value

New Vehicle Loan Rates

Rates As Low As* Term
4.80% APR Up to 24 Months
4.80% APR 25-36 Months
4.80% APR 37-48 Months
4.80% APR 49-60 Months
6.05% APR 61-72 Months
6.05% APR 73-84 Months

Used Vehicle Loan Rates

Rates As Low As* Term
5.55% APR Up to 24 Months
5.55% APR 25-36 Months
5.55% APR 37-48 Months
6.80% APR 49-60 Months
6.80% APR 61-72 Months
6.80% APR 73-84 Months

*As low as rates include all available discounts. Not all applicants qualify your rate may be different.

Amount financed allowable on all Used Vehicles: Average Loan from Retail of NADA Retail Value 
Amount financed allowable on all New Vehicles: Total Purchase Price (includes MSRP, tax, title and tags)


Personal Loans

Financing Up to $20,000.00

Rates Starting @ Term
8.49% APR Up to 24 Months
10.00% APR 25 to 48 Months

Savings Secured Loans

Account Rate Borrow Term
Regular Savings Rate plus 3.50% APR Up to 100% Up to 48 Months
Share Certificate Rate plus 3.50% APR Up to 95%** Certificate Term

Schedule of Fees

Effective January 1, 2024

CEFCU operates under the philosophy of keeping fees as low as possible. As a member of the Credit Union, we want you to have affordable access to the financial services you need.

Collections:

Service Fee
NSF Collection Item (incoming) $25.00
NSF Collection Item (outgoing) $25.00

Deposit Accounts:

Service Fee
ATM Card Replacement $10.00
ATM Withdrawal (In excess of six per month) or inquiry (each inquiry) per transaction $1.00
Cashier’s Check (payable to third party) $7.00
Check Order Fee based on style of check order
Copy of Paid Check Per Item $5.00
Courtesy Checking Fee Per Item $25.00
Club Accounts – Early Closure or Withdrawal $10.00
Deposited item returned unpaid $35.00
Dormant Escheat Fee $100.00
Gift Card-VISA $3.95
Inactive Account Fee Per Quarter $5.00
Insufficient Funds Per Item $25.00
Money Market Account Closure or Excessive Withdrawals (in excess of 3 per month) $10.00
Money Order $2.50
Overdraft Transfer $5.00
Pre-Authorization Draft Dispute Fee Per Item $25.00
Regular Savings Account Withdrawal Fee (charge after the seven allowed per quarter) Per Withdrawal $2.00
Returned Mail Fee Per Item $5.00
Share Draft Accounts Re-Opening Fee $10.00
Share Draft/ACH Re-Post Fee $25.00
Stop Payment (Share Draft) At time of request Per Item $25.00
Stop Payment (Corporate Check) At time of request $25.00
Stop Payment (ACH) At time of request Per Item $25.00
Wire Transfer (Incoming or Outgoing) Domestic $25.00
Wire Transfer (Incoming or Outgoing) International $35.00
Bill Pay Inactivity Fee (6 Months) $5.00

Lending:

Service Fee
External Loan Payment Fee $3.00
Returned External Loan Payment Fee $35.00
Subordination Fee $150.00

Miscellaneous:

Service Fee
Account Balancing Assistance (Minimum one hour charge) $20.00
Levy Fee $100.00
Mail -Member Request Overnight Fee $35.00
Notary FREE
Statement Copy Per Month $5.00