Current Rates

Communication Federal Credit Union offers competitive deposit rates and low interest rates on a variety of loan products.

If you have questions or would like to speak to a friendly communication representative please visit your local branch or call us at 800.522.3535.

(Other rates and terms available, call 800.654.LOAN)

Rates effective October 16, 2018

Savings & Checking Rates

Product Minimum Rate APY^
Performance Checking $0.01 – $30,000 1.49% 1.50%
Performance Checking Over $30,000  0.10% 0.10%
Share Account  $5  0.15% 0.15%
Share Draft
$25 to open
 $0  0.10% 0.10%
Money Max $0-$4,999  0.15% 0.15%
Money Max $5,000-$9,999  0.25% 0.25%
Money Max $10,000-$24,999 0.30% 0.30%
Money Max $25,000-$49,999 0.40% 0.40%
Money Max $50,000-$99,999 0.50% 0.50%
Money Max Over $100,000 0.60% 0.60%
6 Month Share/IRA Certificate $1,000 0.70% 0.70%
1 Year Share/IRA Certificate  $1,000 0.85% 0.85%
18 Month Share/IRA Certificate  $1,000 2.72% 2.75%
2 Year Share/IRA Certificate  $1,000 1.25% 1.26%
3 Year Share/IRA Certificate  $1,000 1.49% 1.50%
4 Year Share/IRA Certificate  $1,000 1.69% 1.70%
5 Year Share/IRA Certificate  $1,000 1.74% 1.75%
IRA Share Account
$250 to open
$0-$4,999  0.15% 0.15%
IRA Share Account $5,000-$9,999  0.25% 0.25%
IRA Share Account $10,000-$24,999 0.30% 0.30%
IRA Share Account $25,000-$49,999 0.40% 0.40%
IRA Share Account $50,000-$99,999 0.50% 0.50%
IRA Share Account Over $100,000 0.60% 0.60%
Health Savings Account
$50 to open
$0 0.10% 0.10%

For a limited time, CFCU is offering “Step-Up” share certificates that allow you to move to the current rate and add funds one time during the certificate term. Initial rates are the same as other share certificates of the same term.

^APY=Annual Percentage Yield – Rates are subject to change at any time. Fees can reduce earnings on some accounts. Some criteria may need to be met to earn stated rate. A penalty may be imposed for early withdrawal. 

Fixed Rate Loans

Type of Loan Term APR*
Storm Shelter Loan  Up to 36 mos 2.24%
Auto 2011-2019 60 mos 3.74%
Auto 2015-2019 78 mos 4.24%
Auto 2017-2019 84 mos 4.74%
Auto 2009-2010 54 mos 8.24%
Auto 2007-2008 48 mos 8.74%
Boat/RV 2015-2019 72 mos 5.74%
Boat/RV 2011-2014 60 mos 8.24%
Boat/RV 2007-2010 54 mos 8.74%
Motorcycle 2017-2019 60 mos 7.99%
Motorcycle 2014-2016 48 mos 9.74%
Flex 36 mos 10.49%

Other rates and terms available, call 800-654-LOAN for details

2nd Mortgage and Home Equity Line of Credit available. Please contact the CFCU mortgage department for details and rates at 800.522.3535 

Other Loan Rates

Type of Loan Term APR
Personal Line of Credit N/A 14.15%
Share Secured 60 mo Share Rate + 3.00%
Certificate Secured CD Term CD Rate + 2.00%
Visa Platinum See Disclosure 10.99%**
Visa Platinum Rewards See Disclosure 11.99%**
Apply for a Loan

Loan rates published are as low as the stated rate. Rates can vary depending upon collateral, term, loan type and credit history. Rates may change without notice. Payment example: A fixed rate auto loan with an APR of 3.74% and a term of 60 months will cost $18.30 per month per $1,000 borrowed. Current CFCU loans not eligible for refinance at these rates.

^APY=Annual Percentage Yield

*APR=Annual Percentage Rate

**Credit Card Annual Percentage Rate as low as the stated rates and based on member’s credit history. Rates subject to change after account opening.

† Rates subject to change after opening.