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 CFCU representative please visit your local branch or call us at 800.522.3535.

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

Rates effective March 12, 2024

You can view Communication Federal Credit Union’s most current rates for deposit accounts and loan products in the tables below.

Checking & Savings Rates

Product Balance APY^ Rate
Performance Checking $0.01 – $30,000 5.00% 4.88%
Performance Checking Over $30,000  0.10% 0.10%
Regular Savings  Over $5  0.10% 0.10%
Share Draft Over $0  0.10% 0.10%
Money Max $0-$4,999  0.10% 0.10%
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 0.45% 0.45%
Money Max Over $100,000 0.50% 0.50%
Reverse-Tier Money Max $0-$2,000 2.50% 2.47%
Reverse-Tier Money Max $2,001-$4,000 1.75% 1.74%
Reverse-Tier Money Max $4,001-$6,000 1.00% 1.00%
Reverse-Tier Money Max Over $6,000 0.10% 0.10%
Liquid Gold Money Market $0-$249,999 0.10% 0.10%
Liquid Gold Money Market $250,000-$499,999 1.00% 1.00%
Liquid Gold Money Market Over $500,000 1.25% 1.24%
Blue Savings for Business Over $0 4.50% 4.41%

Share Certificate Rates

Product Minimum Balance APY^ Rate
6 Month Share/IRA Certificate $1,000 2.85% 2.81%
1 Year Share/IRA Certificate $1,000 2.95% 2.91%
13 Month Special Certificate $1,000 5.00% 4.88%
18 Month Share/IRA Certificate $1,000 2.95% 2.91%
2 Year Share/IRA Certificate $1,000 3.05% 3.00%
3 Year Share/IRA Certificate $1,000 2.90% 2.86%
4 Year Share/IRA Certificate $1,000 3.10% 3.05%
5 Year Share/IRA Certificate $1,000 3.10% 3.05%

For a limited time, CFCU is offering “Step-Up” share certificates on 2 to 5-year terms 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. Special certificates are not available as step-up certificates. 

IRA & HSA Rates

Product Balance APY^ Rate
IRA Share Account $0-$4,999  0.10% 0.10%
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 0.45% 0.45%
IRA Share Account Over $100,000 0.50% 0.50%
Health Savings Account Over $0 0.10% 0.10%

^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 4.99%
Auto 2016-2024 66 mos 7.49%
Auto 2019-2024 78 mos 7.99%
Auto 2020-2024 (Up to 75,000 Miles) 84 mos 8.24%
Auto 2014-2015 54 mos 9.24%
Auto 2012-2013 48 mos 9.49%
Boat/RV 2019-2024 72 mos 9.99%
Boat/RV 2015-2018 60 mos 12.49%
Boat/RV 2011-2014 54 mos 12.99%
Motorcycle 2021-2024 72 mos 12.24%
Motorcycle 2018-2020 48 mos 13.99%
Signature 36 mos 13.24%

Other rates and terms available, call 800-654-LOAN for details. Current CFCU loans cannot be refinanced at these rates.

2nd Mortgage and Home Equity Loans available. Please contact the CFCU mortgage department for details and rates at 800.522.3535 or request a rate quote rate online here.

Other Loan Rates

Type of Loan Term APR*
Flex Loan N/A 16.90%
Share Secured 60 mo Share Rate + 3.00%
Certificate Secured CD Term CD Rate + 2.00%
Visa Platinum See Disclosure 14.24%**
Visa Platinum Rewards See Disclosure 15.24%**
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 7.74% and a term of 60 months will cost $20.15 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.