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Loan rates

Time to borrow? Our lending team is ready to assist with top-notch service and fast turnaround times.

Mortgages

Auto Loans

Auto Loans for new and used carsAPR* as low as
Up to 48 months¹7.49%
49 to 60 months²
(Minimum loan amount $10,000+)
7.24%
61 to 72 months³
(Minimum loan amount $18,000+)
7.49%
73 to 84 months⁴
(Minimum loan amount $25,000+)
8.49%

Effective December 1, 2023. Rates subject to change without notice and are for informational purposes only. For details or latest rate information, contact a credit union representative.

*All rates are disclosed as Annual Percentage Rates. Your rate will be based on your credit history, approximate term, and security offered. A loan officer will let you know the rate you qualify for after reviewing your application documents.

¹ 48 monthly payments of $24.18 per $1,000 borrowed.
² 60 monthly payments of $19.92 per $1,000 borrowed.
³ 72 monthly payments of $17.29 per $1,000 borrowed.
⁴ 84 monthly payments of $15.84 per $1,000 borrowed.

Boat & RV Loans

New and Used Boats & RVsAPR* as low as
Up to 60 months¹
(Minimum loan amount $5,000+)
8.99%
61 to 120 months²
(Minimum loan amount $10,000+)
8.74%
121 to 144 months³
(Minimum loan amount $15,000+)
8.74%
145 to 180 months⁴
(Minimum loan amount $25,000+)
8.74%
181 to 240 months⁵
(Minimum loan amount $75,000+)
9.24%

Effective August 21, 2023. Rates subject to change without notice and are for informational purposes only. For details or latest rate information, contact a credit union representative.

*All rates are disclosed as Annual Percentage Rates. Your rate will be based on your credit history, approximate term, and security offered. A loan officer will let you know the rate you qualify for after reviewing your application documents.
¹ 60 monthly payments of $20.76 per $1,000 borrowed.
² 120 monthly payments of $12.54 per $1,000 borrowed.
³ 144 monthly payments of $11.24 per $1,000 borrowed.
⁴ 180 monthly payments of $10.00 per $1,000 borrowed.
⁵ 240 monthly payments of $9.16 per $1,000 borrowed.

Power Sport & Motorcycle Loans

New and Used Motorcycles and Power Sport VehiclesAPR* as low as
Up to 60 months¹
(Minimum loan amount $5,000)
8.49%
61 to 72 months²
(Minimum loan amount $10,000)
8.74%
73 to 84 months³
(Minimum loan amount $15,000)
9.24%

50 basis points will be added to the APR for refinance of existing Community Choice loans.

Effective January 3, 2023. Rates subject to change without notice and are for informational purposes only. For details or latest rate information, contact a credit union representative.

*All rates are disclosed as Annual Percentage Rates. Your rate will be based on your credit history, approximate term, and security offered. A loan officer will let you know the rate you qualify for after reviewing your application documents. 50% basis points will be added to the APR for refinances of existing credit union loans.

¹ 60 monthly payments of $20.52 per $1,000 borrowed.
² 72 monthly payments of $17.90 per $1,000 borrowed.
³ 84 monthly payments of $16.22 per $1,000 borrowed.

Home Equity Loans

Home Equity Loan – Fixed rates up to 80% Loan to ValueRate TypeAPR* As Low As
Up to 5 years1Fixed8.49%
Up to 10 years2Fixed8.49%
Up to 15 years3Fixed8.74%
Home Equity Loan – Fixed rates up to 90% Loan to ValueRate TypeAPR* As Low As
Up to 5 years4Fixed9.59%
Up to 10 years5Fixed10.09%
Up to 15 years6Fixed9.94%
FlexChoice HELOC – Variable rates up to 90% Loan to ValueRate TypeAPR* As Low As
Up to 70% LTVVariable8.00%
Up to 80% LTVVariable8.25%
Up to 90% LTVVariable9.25%

Actual rate based on loan-to-value of collateral and credit worthiness.

Variable rate is subject to change monthly, based on the prime rate and margin. Maximum Annual Percentage Rate is 18.00%. Other terms and conditions may apply.

*APR=Annual Percentage Rate. Intro rates are subject to change without notice. Rate offered will be based on applicant’s credit history and worthiness, term and amount financed and loan-to-value of collateral. Qualifying rate will be determined upon review of application.

1 60 monthly payments of $20.52 per $1,000 borrowed.
2 120 monthly payments of $12.40 per $1,000 borrowed.
3 180 monthly payments of $9.99 per $1,000 borrowed.
4 60 monthly payments of $21.05 per $1,000 borrowed.

5 120 monthly payments of $13.27 per $1,000 borrowed.
6 180 monthly payments of $10.72 per $1,000 borrowed.

Rates subject to change without notice and are for informational purposes only. For details or latest rate information, contact a credit union representative.

Effective March 1, 2024

CD & Share Secured Loans

CD and Share Secured LoansAPR* As Low As
Certificate of Deposit Secured¹2.50%
Savings Share Secured¹2.50%

Note: Rates is for certificate of deposit or savings share annual dividend rate plus 1.50%. Term of share certificate secured loans cannot exceed the term of the certificate. Maximum term of a savings share secured loan is 60 months. Floor rate 2.50%.

Effective 09/14/15. Rates subject to change without notice and are for informational purposes only. For details or latest rate information, contact a credit union representative.

*All rates are disclosed as Annual Percentage Rates. Your rate will be based on your credit history, approximate term, and security offered. A loan officer will let you know the rate you qualify for after reviewing your application documents. Rates are subject to change at any time. .50% basis points will be added to the APR for refinances of existing credit union loans.

¹60 monthly payments of $17.75 per $1,000 borrowed.

Unsecured Loans

Unsecured LoansTypeAPR* As Low As
Signature Loan¹Personal Loan9.99%
Line of Credit²Personal Loan16.15%
Certificate of Deposit SecuredCD and Share Secured Loan³2.50%
Savings Share SecuredCD and Share Secured Loan³2.50%

Effective January 1, 2024. Rates subject to change without notice and are for informational purposes only. For details or latest rate information, contact a credit union representative.

*All rates are disclosed as Annual Percentage Rates. Your rate will be based on your credit history, approximate term, and security offered. A loan officer will let you know the rate you qualify for after reviewing your application documents. 

Example:


1
 18 monthly payments of $59.61 per $1,000 borrowed.  
2Monthly payments of $30.00 per $1,000 borrowed. 

³Rate is share certificate or savings share annual dividend rate plus 1.50%. Term of share certificate secured loans cannot exceed the term of the certificate. Maximum term of a savings share secured loan is 60 months. Floor rate 2.50%.

Personal rates

Save and spend with confidence as you live the life you desire.

Checking Accounts

Choice CheckingRateAPY*
$0.00 – $2,499.990.00%0.00%
$2,500.00 – $24,999.990.05%0.05%
$25,000.00 – $49.999.990.10%0.10%
$50,000.00 and above0.15%0.15%

No minimum to open. Fees may reduce earnings.

*APY = Annual Percentage Yield

Interest not available on Basic Checking accounts

View fee schedule

All annual percentage yields are based on the assumption that the money is left on deposit during the dividend period. Dividend rates on share accounts will be declared monthly by the Board of Directors and posted on the last day of every month. All rates subject to change at any time without notice. For more information, please refer to our Account Agreements and Disclosures.

Savings Accounts

Choice SavingsRateAPY*
$100.00 – $9,999.990.01%0.01%
$10,000 – $24,999.990.05%0.05%
$25,000 – $49,999.990.10%0.10%
$50,000 – $99,999.990.15%0.15%
$100,000 – $249,999.990.25%0.25%
$250,000 – $499,999.990.39%0.40%
$500,000 and above0.49%0.50%

Dividends will be paid monthly based on the aggregate balance of your Choice Savings Account and Choice Goals. The combined dividend will be deposited into your Choice Savings Account.
$5.00 minimum to open. Fees may reduce earnings.

Daily IRARateAPY*
$100.00 and above0.05%0.05%

Traditional, Roth, Coverdell, or Roth Conversion

Captain Choice/My ChoiceRateAPY*
$5.00 – $500.001.00%1.00%
$500.01 – $9,999.990.01%0.01%
$10,000 – $24,999.990.05%0.05%
$25,000 – $49,999.990.10%0.10%
$50,000 – $99,999.990.15%0.15%
$100,000 – $249,999.990.25%0.25%
$250,000 – $499,999.990.40%0.40%
$500,000 and above0.50%0.50%

Dividends will be paid monthly based on the aggregate balance of your Captain Choice/MyChoice Share and Choice Goals. The combined dividend will be deposited into your Captain Choice/MyChoice Share.
$5.00 minimum to open. Fees may reduce earnings. Ages 0-17.

IRAs

IRA CertificateRateAPY*
SPECIAL! 5-Month IRA Certificate4.89%5.00%
SPECIAL! 15-Month IRA Certificate4.41%4.50%
SPECIAL! 33-Month IRA Certificate3.25%3.30%
6-Month IRA Certificate0.15%0.15%
1-Year IRA Certificate0.25%0.25%

5-Month IRA Certificate
$500 minimum—no maximum. Penalty for early withdrawal applies. Special rate subject to change at any time without notice.

15-Month IRA Certificate
$500 minimum—no maximum. Penalty for early withdrawal applies. Special rate subject to change at any time without notice.

33-Month IRA Certificate
$500 minimum—no maximum. Penalty for early withdrawal applies. Special rate subject to change at any time without notice.

6-Month IRA Certificate
$100.00 minimum – no maximum. Penalty for early withdrawal applies. 6 month term subject to a 60 day dividend penalty.

1-Year IRA Certificate
$100.00 minimum – no maximum. Penalty for early withdrawal applies. 1 year term subject to a 90 day dividend penalty.

CDs

CertificateRateAPY*
CD SPECIAL! 5-Month Certificate4.89%5.00%
CD SPECIAL! 15-Month Certificate4.41%4.50%
CD SPECIAL! 33-Month Certificate3.25%3.30%
3-Month Certificate0.10%0.10%
6-Month Certificate0.15%0.15%
1-Year Certificate0.25%0.25%
2-Year Certificate0.30%0.30%
3-Year Certificate0.35%0.35%
4-Year Certificate0.40%0.40%
5-Year Certificate0.50%0.50%

7-Month Certificate
$500 minimum—no maximum. Penalty for early withdrawal applies. Special rate subject to change at any time without notice.

3-Month Certificate
$500.00 minimum – no maximum. Penalty for early withdrawal applies. 3 month term subject to a 30 day dividend penalty.

6-Month Certificate
$500.00 minimum – no maximum. Penalty for early withdrawal applies. 6 month term subject to a 60 day dividend penalty.

1-Year Certificate
$500.00 minimum – no maximum. Penalty for early withdrawal applies. 1 year term subject to a 90 day dividend penalty.

2-Year Certificate
$500.00 minimum – no maximum. Penalty for early withdrawal applies. 18 months or greater terms subject to a 180 day dividend penalty.

3-Year Certificate
$500.00 minimum – no maximum. Penalty for early withdrawal applies. 18 months or greater terms subject to a 180 day dividend penalty.

4-Year Certificate
$500.00 minimum – no maximum. Penalty for early withdrawal applies. 18 months or greater terms subject to a 180 day dividend penalty.

5-Year Certificate
$500.00 minimum – no maximum. Penalty for early withdrawal applies. 18 months or greater terms subject to a 180 day dividend penalty.

Credit Cards

Community Choice Mastercard® Credit CardAPR* As Low As
Platinum Mastercard13.74%
World Mastercard18.74%
Business Platinum Mastercard14.40%

*APR = Annual Percentage Rate

Credit card rates effective August 1, 2023.

All rates are variable and disclosed as Annual Percentage Rates. Your rate will be based on your credit history, approximate term, and security offered. A loan officer will let you know the rate you qualify for after reviewing your application documents. Rates are subject to change at any time. For details or latest rate information, contact a credit union representative.

Business rates

Big or small, we’re ready to help you and your business achieve your financial goals.

Money Market

Business Money MarketRateAPY*
$10,000.00 – $99,999.990.10%0.10%
$100,000.00 – $249,999.990.25%0.25%
$250,000.00 – $499,999.990.39%0.40%
$500,000.00 and above0.49%0.50%

$10,000.00 minimum to open. Fees may reduce earnings. Anytime access.

Effective February 23, 2023.

Savings

Business SavingsRateAPY*
$100.00 and above0.05%0.05%

$5.00 minimum to open. Fees may reduce earnings.

Loans

Rates for business loans vary depending on the type of loan and collateral being used. Our team of business experts will walk through a conversation to find the best loan to fit the business’s needs and quote an estimated rate.

To learn about the best business loans for your needs, call our Business Services team at 877.243.2528 ext. 1043

Credit Cards

Community Choice Mastercard® Credit CardAPR* As Low As
Platinum Mastercard13.74%
World Mastercard18.74%
Business Platinum Mastercard14.40%

*APR = Annual Percentage Rate

Credit card rates effective August 1, 2023.

All rates are variable and disclosed as Annual Percentage Rates. Your rate will be based on your credit history, approximate term, and security offered. A loan officer will let you know the rate you qualify for after reviewing your application documents. Rates are subject to change at any time. For details or latest rate information, contact a credit union representative.

IOLTA

IOLTA CheckingRateAPY*
Dividends earned on any balances0.49%0.50%

Dividend rate effective February 23, 2023.

*APY = Annual Percentage Yield

Account owner is responsible for third party fees such as purchasing checks and other third party charges.

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