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Risk-Based | Loans | Savings | Certificates
Call for loan rates. Rate based on creditworthiness, collateral and term.
| Savings, Checking and Money Market Accounts - Effective 07/1/2008 |
| Savings, Checking and Money Market Types |
Rate |
APY* |
| Regular Share up to $2,499.99 ($25 to open, $100 each day to earn disclosed APY) |
0.750 |
0.750 |
| Regular Share $2,500.00 - $4,999.99 ($25 to open, $100 each day to earn disclosed APY) |
0.750 |
0.750 |
| Regular Share $5,000.00 - $9,999.99 ($25 to open, $100 each day to earn disclosed APY) |
0.750 |
0.750 |
| Regular Share $10,000.00 - $Above ($25 to open, $100 each day to earn disclosed APY) |
0.900 |
0.900 |
| VISA Share Secured ($500 to open, $500 each day to earn disclosed APY) |
0.500 |
0.500 |
| IRA Share up to $9,999.99 ($25 to open, $25 minimum subsequent deposit) |
1.600 |
1.610 |
| IRA Share $10,000.00 - $39,999.99 ($25 to open, $25 minimum subsequent deposit) |
1.750 |
1.760 |
| IRA Share $40,000 - $Above ($25 to open, $25 minimum subsequent deposit) |
1.840 |
1.860 |
| Basic Plus Checking up to $2,499.99 ($100 to open, $500 each day to earn disclosed APY) |
0.250 |
0.250 |
| Basic Plus Checking $2,500.00 - $4,999.99 ($100 to open, $500 each day to earn disclosed APY) |
0.350 |
0.350 |
| Basic Plus Checking $5,000.00 - $9,999.99 ($100 to open, $500 each day to earn disclosed APY) |
0.350 |
0.350 |
| Basic Plus Checking $10,000.00 - $Above ($100 to open, $500 each day to earn disclosed APY) |
0.500 |
0.500 |
| Premier Interest Checking up to $2,499.99 ($100 to open, $1,000 each day to earn disclosed APY) |
0.350 |
0.350 |
| Premier Interest Checking $2,500.00 - $4,999.99 ($100 to open, $1,000 each day to earn disclosed APY) |
0.450 |
0.450 |
| Premier Interest Checking $5,000.00 - $9,999.99 ($100 to open, $1,000 each day to earn disclosed APY) |
0.550 |
0.550 |
| Premier Interest Checking $10,000.00 - $Above ($100 to open, $1,000 each day to earn disclosed APY) |
0.550 |
0.550 |
| Money Market Account $2,500.00 - $9,999.99 ($2500 to open, $2500 each day to earn disclosed APY) |
1.980 |
2.000
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| Money Market Account $10,000.00 - $24,999.99 ($2500 to open, $2500 each day to earn disclosed APY) |
2.760 |
2.800 |
| Money Market Account $25,000.00 - $49,999.99 ($2500 to open, $2500 each day to earn disclosed APY) |
2.960 |
3.000 |
| Money Market Account $50,000.00 - $99,999.99 ($2500 to open, $2500 each day to earn disclosed APY) |
3.200 |
3.250 |
| Money Market Account $100,000.00 and above ($2500 to open, $2500 each day to earn disclosed APY) |
3.490 |
3.550 |
| Certificate and IRA Certificate Accounts Effective 07/7/2008 |
| Certificate and IRA Certificate Account Types |
Rate |
APY* |
Term in Months |
| 6 Months ($1,000 to open) |
2.96 |
3.00 |
6 |
| 6 Month Mini Jumbo ($40,000 to open) |
3.15 |
3.20 |
6 |
| 6 Month Jumbo ($75,000 to open) |
3.25 |
3.30 |
6 |
| 12 Months -IRA ($1,000 to open) |
3.15 |
3.20 |
12 |
| 12 Month Mini Jumbo-IRA ($40,000 to open) |
3.30 |
3.35 |
12 |
| 12 Month Jumbo-IRA ($75,000 to open) |
3.44 |
3.50 |
12 |
| 12 Months-Non IRA ($1,000 to open) |
3.15 |
3.20
|
12 |
| 12 Month Mini Jumbo-Non IRA ($40,000 to open) |
3.30 |
3.35 |
12 |
| 12 Month Jumbo-Non IRA ($75,000 to open) |
3.44 |
3.50 |
12 |
| 18 Months ($1,000 to open) |
3.25 |
3.30 |
18 |
| 24 Month Step Rate 24 Month ($1,000 to open) |
3.40 |
3.45 |
24 |
| 24 Month Step Rate Plus 24 Month ($10,000 to open) |
3.49 |
3.55 |
24 |
| 24 Months ($1,000 to open) |
3.49 |
3.55
|
24 |
| 36 Months ($1,000 to open) |
3.69 |
3.75 |
36 |
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48 Months ($1,000 to open)
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3.93 |
4.00 |
48
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Loan Rates Effective 3/11/2008
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Loan Type
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Annual Percentage Rate |
Terms Available |
| New Auto |
5.70% to 17.79% |
Up to 78 Months |
| Used Auto |
5.90% to 17.79% |
Up to 72 Months |
| Boat, Motor, Trailer - New |
5.70% to 17.79% |
Up to 96 Months |
| Boat, Motor, Trailer - Used |
6.75% to 17.79% |
Up to 48 Months |
| Motorcycle - New |
5.70% to 17.79% |
Up to 72 Months |
| Motorcycle - Used |
7.00% to 17.79% |
Up to 60 Months |
| Recreational Vehicle - New (RV & Travel Trailers) |
5.85% to 17.79% |
Up to 120 Months |
| Recreational Vehicle - Used (RV & Travel Trailers) |
6.75% to 17.79% |
Up to 84 Months |
| Other Collateral |
6.50% to 17.79% |
Up to 72 Months |
| Personal |
8.75% to 17.79% |
Up to 60 Months |
| Other Recreational Vehciles - New |
5.85% to 17.79% |
Up to 60 Months |
| Other Recreational Vehicles - Used |
6.75% to 17.79% |
Up to 48 Months |
| Line of Credit-Smart Cash |
9.50% to 17.50% |
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| Line of Credit-Presto Cash |
13.75% |
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| Summer/Holiday Promo |
10.00% |
Up to 12 Months |
| Share Secured |
4.00% |
Up to 60 Months |
| Certificate Secured |
2% above collateral certificate rate |
Up to 60 Months
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*APY=Annual Percentage Yield.
Term is stated in months.
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All loan and certificate rates are subject to change. Early withdrawal penalties may apply. Fees may reduce earnings on accounts. Certificates automatically renew on the scheduled maturity date at the then current rate for the specific product. The A.P.Y. assumes that dividends remain in the account until maturity. Withdrawals will reduce earnings.
The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your creditworthiness, the term and collateral offered. Not all collateral can be financed for the maximum term stated.
Preferred Rate: With the exception of Presto Cash and Smart Cash Lines of Credit, you may receive a discount of 0.25% on your Annual Percentage Rate (APR) if you make your payments through automatic draft. You may also qualify for a discount of up to 0.25% up to 0.50% on your APR if your advance is 80% or less of Manufacturer's Suggested Retail Price (MSRP). For Smart Cash Lines of Credit and Personal loans, you may receive a discount of 1.00% if you maintain a checking account with CSCU. The discount you receive is based on the type of loan subaccount and your creditworthiness.
Rate Add-ons: If you advance exceeds the maximum advance of the Manufacturer's Suggested Retail Price (MSRP), we may add 1.00% to the normal rate for every 5% above the maximum advance of MSRP. The maximum advance of MSRP is based on your creditworthiness. Please ask us for the rate add-on you may receive.
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