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Our Current Rates

Please Note: Loan rates are the lowest rates available for qualified applicants. You may not qualify for these rates depending upon your individual credit history. Our rates are subject to change at any time.

COMMUNITY FIRST
CREDIT UNION


LOANS

Loan - Special

Auto / Truck / Van (new & used)

EFFECTIVE 08/01/14
2014-2013 New Untitled:
Term/Rates:
01 - 36 months as low as 1.99% APR
37 - 60 months as low as 1.99% APR
61 - 72 months as low as 2.49% APR
73 - 84 months as low as 3.49% APR

USED:

2014-2011
Term/Rates:
01 - 36 months as low as 1.99% APR
37 - 60 months as low as 2.25% APR
61 - 72 months as low as 3.25% APR

2010 - 2009
Term/Rates:
01 - 36 months as low as 2.99% APR
37 - 60 months as low as 3.50% APR
61 - 72 months as low as 4.25% APR

2008 & older
01 - 36 monhts as low as 3.99% APR
37 - 48 months as low as 4.45% APR

Classic Vehicles
Inspection Required
Term: max 60 months
Rates: as low as 2.99% APR

RVs - Boats - Motorcycles - Jet Ski - Snowmobile

2014-2013 New untitled
Term/Rates
01 - 48 months as low as 2.99% APR
49 - 60 months as low as 4.75% APR
61 - 72 monhts as low as 7.00% APR
73 - 84 months as low as 7.25% APR

Used
Term/Rates
01 - 36 months as low as 4.99% APR
37 - 60 monhts as low as 6.75% APR
61 - 72 months as low as 9.00% APR
73 - 84 months as low as 9.25% APR

First Mortgage

Fixed/Variable
Term: max 360 months
Rates: call for current rates.

Second Mortgage

Fixed
Term/Rates
60 months as low as 3.99% APR
120 months as low as 5.00% APR
180 months as low as 6.00% APR
240 months as low as 7.25% APR
No closing costs.

Home Equity Line of Credit (HELOC)
Term: 120 month draw, 84 month payback
Rate: as low as 5.00% APR
No closing costs.

Other

Unsecured
Term: up to 60 months as low as 11.50% APR

Share / Certificate
Term: 60 months max, term not to exceed maturity of CD
Rate: 3.00% APR over dividend

Credit Cards
EFFECTIVE 08/01/14

VISA Platinum Card
Rate: as low as 11.50% APR
No annual fee.
25-day grace period on purchases.

VISA Gold Card
Rate: as low as 7.99% APR
No annual fee.
25-day grace period on purchases.

APR - Annual Percentage Rate

While we make every effort to keep our website up-to-date, loan rates are subject to change, and the above rates may not be the current rates offered by the Credit Union.




Last Declared Dividend Rates: 06/30/2014
RATES

Share Savings
$50.00 minimum
Rate: 0.10% APY: 0.10%

Christmas / Vacation Club
$5.00 minimum
Rate: 0.10% APY: 0.10%

Money Market Savings
$2,500.00 to $24,999.99
$2,500.00 min. to avoid fee
Rate: 0.20% APY: 0.20%

Money Market Savings
$25,000.00 to $74,999.99
$2,500.00 min. to avoid fee
Rate: 0.25% APY: 0.25%

Money Market Savings
$75,000.00 or more
$2,500.00 min. to avoid fee
Rate: 0.30% APY: 0.30%

IRA Money Market Account
$250.00 minimum
Rate: 0.25% APY: 0.25%

6-10 Month Share & IRA Certificate
$500.00 minimum
Rate: 0.30% APY: 0.30%

1 Year Share & IRA Certificate
$500.00 minimum
Rate: 0.40% APY: 0.40%

2 Year Share & IRA Certificate
$500.00 minimum
Rate: 0.50% APY: 0.50%

3 Year Share & IRA Certificate
$500.00 minimum
Rate: 0.70% APY: 0.70%

4 Year Share & IRA Certificate
$500 minimum
Rate: 0.85% APY: 0.85%

5 Year Share & IRA Certificate
$500.00 minimum
Rate: 1.10% APY: 1.10%




APY - Annual Percentage Yield

* 0.10% Bonus paid on Certificates of $50,000.00 or More for Terms of 2 - 5 Year

EARLY WITHDRAWAL PENALTIES(a penalty may be imposed for withdrawals before maturity)
The penalty we may impose will equal six months dividends on the amount withdrawn subject to penalty.

Your savings federally insured by NCUA to at least $250,000.00 and backed by the full faith and credit of the United States Government

Effect of closing an account If you close your share account before dividends are paid, you will not receive the accrued dividends.

Effect of fees Fees could reduce the earnings on the account.

Individual Retirement Accounts (IRAs) at our credit union are also federally insured by NCUA up to $250,000.00. These accounts are insured separately from your other share accounts

Deposit accounts are also insured an additional $250,000.00 by Excess Share Insurance Corp for a total of $500,000.00 and IRA Accounts are also insured an additional $250,000.00 by Excess Share Insurance Corp for a total of $500,000.00