Rates

CAFCU Rates

Vehicle Loan Rates

(Rates as of 1/1/2020)

New Auto APR*
Regular Rate 2.99% - 5.74%+
Credit Builder Rate 12.50% - 14.75%+
Used Auto^ APR*
Regular Rate 3.99% - 6.74%+
Credit Builder Rate 14.00% - 16.25%+
Other Vehicle Loans
Please call for current rates on new and used RVs, Boats and Motorcycles.

*APR = Annual Percentage Rate
+Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.
^Please call for rates on model years 2010 or older.

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Visa Credit Card Rates

(Rates as of 1/1/2020)

Advantage Visa Variable APR*
Platinum Advantage Visa 11.40% - 15.40%^
Advantage Visa ​​13.40% - 21.40%^
Visa Fixed APR*
Share Secured Visa ​9.90%

*APR = Annual Percentage Rate
^APR = Annual Percentage Rate. The ANNUAL PERCENTAGE RATE is determined by adding 6.65-14.65 for Platinum Cards and 8.65-16.65 for Advantage Cards to the Prime Rate. The Prime Rate used to determine your APR is the rate published in the "Money Rates" table of The Wall Street Journal on the last Friday of each month; if the last Friday is a Federal Holiday the following day's Prime Rate will be used and is effective the first day of the following month. Rates may change after the account is opened. Rates effective as of date above.

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Home Loan Rates

Home Equity^  (Rates as of 1/21/2020)

Home Equity Line of Credit¹ APR*
80% loan to value 4.75% - 9.25%+
​90% loan to value 5.25% - 10.25%+
​Fixed-Rate Home Equity APR*
​80% loan to value 5.50% - 10.50%+
​90% loan to value 6.25% - 11.50%+
​100% loan to value 7.75% - 11.75%+
​Members Advantage Mortgage ​​APR*
80% loan to value 4.00% - 4.50%+
​Mortgages
​Click below to view our Mortgage Rates

*APR = Annual Percentage Rate
+Not all borrowers will qualify for the lowest interest rate.
^If loan is closed within 3 years, a Third Party Reimbursement fee will be charged. Contact a Real Estate Loan Officer for an estimated amount at 1-800-359-1939, option 2. Members are required to pay any state, county or local taxes associated with the loan.
¹The initial APR will be in effect until the second month following your closing. After the initial period your APR may change monthly based on a current index plus a margin. The index is the Prime Rate published in the Money Rates section of The Wall Street Journal. Margins range from 0.00% - 5.50%. Your APR will not increase or decrease more than 2.00% in one year and will not increase more than 18.00% over the life of the loan.
Home Equity Line of Credit Repayment Example: For a Home Equity Line of Credit with an interest rate of 4.75% and an APR of 4.75% = 240 monthly payments of $6.46 per $1,000 borrowed.
Fixed Rate Home Equity Loan Repayment Example: For a 15 year Fixed Rate Home Equity Loan with an interest rate of 6.50% and an APR of 6.50% = 180 monthly payments of $8.71 per $1,000 borrowed
Members Advantage Mortgage Repayment Example: For a 15 year Members Advantage Mortgage with an interest rate of 4.50% and an APR of 4.50% = 180 monthly payments of $7.65 per $1,000 borrowed.
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Rates and terms are subject to change without notice.

Apply for a Home Equity Loan
View Mortgage Rates Apply for a Mortgage

Signature Loan Rates

(Rates as of 1/1/2020)

Signature Loans APR*
Regular Rate 8.99% - 12.99%+
Credit Builder Rate 14.99% - 19.99%+

*APR = Annual Percentage Rate.
+Not all borrowers will qualify for the lowest interest rate.

Apply for a Signature Loan

Member Loyalty Discounts​

(Effective 1/1/2020)

Member Loyalty Level Discount¹
Diamond 0.30%
Emerald 0.25%
Ruby 0.20%
Sapphire 0.15%
Gold 0.10%
Silver 0.05%
Bronze 0.00%
New Member² 0.25%

1Usual credit criteria apply. Discount is available when you apply for a Signature Loan, Vehicle Loan or Fixed Rate Home Equity Loan and will be based on your Member Loyalty Level. Credit Builder Plus Loans are excluded. Minimum vehicle refinance amount is $3,000.
2 New Member Discount is available for the first 60 days of membership. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Rates and offer are subject to change and cannot be combined with other offers. Contact Corporate America Family Credit Union for details.

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Share Certificate, IRA & Coverdell ESA Rates

(Rates as of 1/1/2020)

$10,000 minimum APY** Dividend Rate
6-month 1.11% 1.10%
12-month 1.51% 1.50%
24-month 1.82% 1.80%
36-month 2.07% 2.05%
$1,000 minimum APY** Dividend Rate
6-month 1.01% 1.00%
12-month 1.31% 1.30%
24-month 1.71% 1.70%
36-month 1.97% 1.95%

+Penalties will apply for early withdrawal of funds.
**APY = Annual Percentage Yield.

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Money Market Account Rates​

(Rates as of 1/1/2020)

Minimum balance to obtain APY** APY** Dividend Rate
$100,000 0.75% 0.75%
$50,000 0.65% 0.65%
$25,000 0.60% 0.60%
$10,000 0.50% 0.50%
$2,500 0.40% 0.40%
$1,000 0.35% 0.35%

**APY = Annual Percentage Yield.

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Health Savings Account Rates​

(Rates as of 1/1/2020)

Minimum balance to obtain APY** APY** Dividend Rate
$10,000 0.50% 0.50%
$5,000 0.40% 0.40%
$1,000 0.30% 0.30%
$1 0.20% 0.20%

**APY = Annual Percentage Yield.

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Savings Rates​

(Rates as of 1/1/2020)

Share Accounts APY** Dividend Rate
Regular Share Account 0.05% 0.05%
Specialty Share Account 0.05% 0.05%
Youth Share Certificate*** APY** Dividend Rate
6 month 0.35% 0.35%
Minimum balance to obtain APY is $250.
Maximum balance is $1,000.

**APY = Annual Percentage Yield.
***Primary Youth Share Certificate account holder must be under the age of 18 when account is opened. Parent or Legal Guardian must be listed as a joint account holder for all minor accounts. Penalties will apply for early withdrawal of funds.

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