NEWS YOU CAN USE:  CHECK OUT OUR LATEST RATING BY CLICKING ON MEDIA RELEASE   REPORT LOST OR STOLEN CARDS TO: INSIDE U.S.A., (888) 241-2510, OUTSIDE U.S.A., (909) 941-1398   CHECK OUT OUR AMAZINGLY LOW AUTO LOAN RATES - STARTING AS LOW AS 1.99% APR    CFCU AUTOMATED RESPONSE BANKING - TOLL FREE AND EASY (855) 632-0398 PLEASE USE CAUTION WITH YOUR DEBIT CARD - IT IS A DIRECT LINK TO YOUR CHECKING ACCOUNT   DITCH YOUR HIGH RATE CREDIT CARDS AND CONVERT TO THE CFCU LOW RATE VISA WITH A SIMPLE BALANCE TRANSFER  BRING YOUR LOANS TO CFCU FOR LOWER RATES  RATES AS LOW AS 1.99% APR  BANKING MADE BETTER  

CURRENT SAVINGS AND CERTIFICATE PROGRAMS
     

Program

Required Investment

Annual Percentage Yield 

DISCLOSURE INFORMATION: Accurate as of 2/1/2017

Savings ++ $2,500.00 .10%
+ • Checking $2,500.00 .10%
Pass Book Savings IRA $1.00 .60%
1 Month Certificate >10k .04%
2 Month Certificate >10k .11%
3 Month Certificate <10k .15%
3 Month Certificate >10k .17%
6 Month Certificate <10k .21%
6 Month Certificate >10k .23%
12 Month Certificate  <10k .31%
12 Month Certificate  >10k  .43%
12 Month Jumbo Certificate  >100k .83%
18 Month Certificate  <10k  .60%
18 Month Certificate  >10k  .67%
24 Month Certificate <10k .70%
24 Month Certificate  >10k  .73%
30 Month Certificate  <10k  .71%
30 Month Certificate  >10k  .75%
36 Month Certificate  <10k  .74%
36 Month Certificate  >10k .77%
IRA Jumbo >100k .87%

Deposit accounts must maintain a $2,500.00 balance to receive a monthly dividend.  Assesed fees could affect annual yield.  Up to 90 day penalty for early withdrawal on certificate of deposit accounts.

+The CFCU Debit VISA Debit Card has been blocked from being used at gas pumps due to a spike in card fraud that has been correctly identified as originating from gas pumps. The CFCU VISA Debit Card may be used inside with the cashier.

++ An overdraft transfer fee of $4.00 will apply after March 1, 2013. Overdrawn accounts are assessed a fee of $35.00 for each non sufficient funds occurrence.

• A service fee of $25.00 monthly will be charged to any account overdrawn more than 30 days.

Cashier's check = $2.00

AUTOMATED RESPONSE BANKING, TOLL FREE & EASY TO USE: 855-632-0398

EFFECTIVE OCTOBER 3, 2008: Your individual deposits are federally insured to at least $250,000.00 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

Section 343 of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, provided temporary unlimited share/deposit insurance coverage on all non-interest bearing transaction accounts in federally insured credit unions and banks. As of January 1, 2013, this coverage reverts back to the permanent level of $250,000.00.

IRAs insured to at least $250,000.00 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

APY = Annual Percentage Yield

INDIVIDUAL RETIREMENT ACCOUNTS

A tax sheltered retirement plan.

ADVANTAGES TO CREDIT UNION IRA'S
  • Insured up to $250,000.00 by the full faith and credit of the United States Government 
  • No loading fees
  • No annual fees for maintaining the account
  • No hidden penalties for early withdrawal (other than those by IRS)
  • Deposits can be made through the convenience of payroll deduction
  • Earnings paid and compounded quarterly
CURRENT LOAN PROGRAMS

APR = Annual Percentage Rate

Program

Rates

Loan Secured by Shares 5.00% APR up to 60 months
Vehicles 2014-2017 1.99% APR up to 36 months
Vehicles 2014-2017 2.99% APR up to 60 months
Vehicles 2014-2017 3.99% APR up to 72 months
Vehicles 2010-2013 4.60% APR up to 60 months
Vehicles 2007-2010 5.00% APR up to 60 months
Vehicles 2007 and Below 5.875% APR up to 48 months
Line of Credit & Closed End 5.00% - 11.00%  APR
Home Improvement 5.875% APR up to 120 months 
30 Year Fixed 1st Mortgage* 4.225% APR - ZERO POINTS
15 Year Fixed 1st Mortgage* 3.925% APR - ZERO POINTS
5 Year Fixed Balloon 1st Mortgage* 3.725% APR, Amortized Over 30 Years - ZERO POINTS
Home Equity Line of Credit PRIME RATE as published in the WSJ**, PLUS 1.00% MIN APR is 5.00%; MAX APR is 12.00% 
New Boats 2014-2017 4.99% APR up to 120 months
Boats 2013 and older 5.50% APR up to 120 months
Recreational Vehicles 5.00% - 8.00% APR

VISA Classic,

Visa Gold,

Visa Platinum

6.87 % APR 

11.99% APR

13.99% APR

Click Here For: VISA Application

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Construction Federal Credit Union expressly prohibits unlawful gambling through any of our products. Members may find it helpful to familiarize themselves with The Unlawful Internet Gambling Enforcement Act (UIGEA) and Regulation GG.

Rates are subject to change to meet market conditions.  

We encourage consumer awareness of Federal Regulation Z - 226.6 (b) & 226.16, in relation to HELOCs.

*Our general maximum loan to value on real estate mortgages is 80%, exceptions on a limited case by case basis.  Loans under $100,000.00, add .50 basis points to rate; for loans under $50,000.00 add 1% to rate. Mortgages must be primary residence only. 1 point is charged on internal refinances. Rate and term only.

 **The initials stand for the Wall Street Journal, which surveys large banks and publishes the consensus prime rate. The Journal surveys the 30 largest banks, and when three-quarters of them (23) change, the Journal changes its rate, effective on the day the Journal publishes the new rate. It's the most widely quoted measure of the prime rate, which is the rate at which banks will lend money to their most-favored customers. The prime rate will move up or down in keeping with changes made by the Federal Reserve Board.

***To be eligible to receive a $50.00 "bonus" for the establishment of direct deposit, the member must be establishing direct deposit for the first time with CFCU, be directing the full net amount of a payroll, government social security or recognized retirement plan for deposit with CFCU, no bonus will be released before a good faith record of not less than six (6) months has been observed with the member.