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Rates

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Rates at a glance

Loan RatesSavings Rates

Borrow money

Holiday Loan

Loans
Loan TypeAPR* As Low As
Auto Loans 2.74%
Boat & RV Loans 4.49%
Power Sport & Motorcycle Loans 5.24%
Home Equity Loans 3.50%
CD & Share Secured Loans 2.50%
Unsecured Loans 8.49%
Credit Cards
Community Choice Mastercard® Credit CardAPR* As Low As
Mastercard® 8.49%
Mastercard® World 13.49%
Mastercard Businesscard® 9.90%

 

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*APR =  Annual Percentage Rate

Holiday Loan effective November 1, 2021. This limited time offer is valid through December 31, 2021.

Loan rates effective June 1, 2021.

Credit card rates effective April 1, 2020. 

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.

Grow your money

Certificates of Deposit (CDs)
Certificate RateAPY*
3-Month Certificate 0.10% 0.10%
6-Month Certificate 0.15% 0.15%
1-Year Certificate 0.25% 0.25%
2-Year Certificate 0.30% 0.30%
3-Year Certificate 0.35% 0.35%
4-Year Certificate 0.40% 0.40%
5-Year Certificate 0.50% 0.50%

 

  

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.

IRA Certificates
IRA Certificate RateAPY*
3-Month IRA Certificate 0.10% 0.10%
6-Month IRA Certificate 0.15% 0.15%
1-Year IRA Certificate 0.25% 0.25%


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

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.

Savings Accounts

 

Choice Savings RateAPY*
$100.00 - $9,999.99 0.01% 0.01%
$10,000 - $24,999.99 0.05% 0.05%
$25,000 - $49,999.99 0.10% 0.10%
$50,000 - $249,999.99 0.15% 0.15%
$250,000 - $499,999.99 0.20% 0.20%
$500,000 and above 0.25% 0.25%

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.

 

Business Savings RateAPY*
$100.00 and above 0.05%  0.05%

$5.00 minimum to open. Fees may reduce earnings.

Captain Choice/My Choice RateAPY*
$5.00 - $500.00 1.00% 1.00% 
$500.01 - $9,999.99 0.01% 0.01%
$10,000 - $24,999.99 0.05% 0.05%
$25,000 - $49,999.99 0.10% 0.10%
$50,000 - $249,999.99 0.15% 0.15%
$250,000 - $499,999.99 0.20% 0.20%
$500,000 and above 0.25% 0.25%

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.



Daily IRA RateAPY*
$100.00 and above 0.05% 0.05%

Traditional, Roth, Coverdell, or Roth Conversion

Business Money Market  RateAPY*
$10,000.00 - $99,999.99 0.10% 0.10%
$100,000.00 - $249,999.99 0.15% 0.15%
$250,000.00 - $499,999.99 0.20% 0.20%
$500,000.00 and above 0.25% 0.25%

$10,000.00 minimum to open. Reg D limitations apply (six transactions per month, which includes cleared drafts). Fees may reduce earnings. Anytime access.

Checking Accounts
Choice Checking RateAPY*
$0.00 - $2,499.99 0.00% 0.00%
$2,500.00 - $24,999.99 0.05% 0.05%
$25,000.00 - $49,999.99 0.10% 0.10%
$50,000.00 and above 0.15% 0.15%

No minimum to open. Fees may reduce earnings.
$0.00 minimum to open. Fees may reduce earnings.

*APY = Annual Percentage Yield

Savings rates effective September 20, 2021.

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.

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