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Required Investment

Annual Percentage Yield 

DISCLOSURE INFORMATION: Accurate as of 6/1/2018

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


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


A tax sheltered retirement plan.

  • 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

APR = Annual Percentage Rate

All following Rates are Subject to Change



Loan Secured by Shares 5% APR up to 60 months
Signature Line of Credit 8% APR
Signature Installment Loan 6% APR
Vehicles 2018 - 2021 1.99% APR up to 36 months
Vehicles 2018 - 2021 2.99% APR up to 60 months
Vehicles 2018 - 2021 3.99% APR up to 72 months
Vehicles 2015 - 2017 5.00% APR up to 60 months
Vehicles 2014 and Below 8.0% APR up to 48 months
(NEW) Classic Vehicles 5% up to 72 months
New Boats 2020-2021 4.99% APR up to 120 months
Boats 2019 and older 5.50% APR up to 120 months
Recreational Vehicles 5.00% - 8.00% APR
30 Year Fixed 1st Mortgage* 2.75% APR - ZERO POINTS
20 Year Fixed 1st Mortgage* 2.75% APR - ZERO POINTS
15 Year Fixed 1st Mortgage* 2.50% APR - ZERO POINTS
Points Buy Down Option:
Call for Details
1pt. = .25 rate reduction
2pt. = .50 rate reduction
Home Equity Line of Credit .5 over published Wall Street Journey Prime Rate
Home Equity Installment Loan 5.875% APR up to 120 months

VISA Classic,

Visa Gold,

Visa Platinum

13.99 % APR 

11.99% APR

6.87% APR

Click Here For: VISA Application


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.