Credit Cards
| Community Choice Mastercard® Credit Card | APR* As Low As |
|---|---|
| Mastercard® | 12.74% |
| Mastercard® World | 17.74% |
| Mastercard Businesscard® | 13.40% |
*APR = Annual Percentage Rate
Loan rates effective January 3, 2023.
Credit card rates effective January 3, 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.
Certificates of Deposit (CDs)
When you're ready to open your CD, send us a chat, call us at 877.243.2528 or see us in person at your nearest member center. Members can also open a CD using the Open & Apply menu within e-Banking.
Not a member? Let's take care of that:
| Certificate | Rate | APY* |
|---|---|---|
| CD SPECIAL! 13-Month Certificate | 4.41% | 4.50% |
| CD SPECIAL! 23-Month Certificate | 4.65% | 4.75% |
| 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% |
13-Month Certificate
$500 minimum—no maximum. Penalty for early withdrawal applies. Special rate subject to change at any time without notice.
23-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.
$500 minimum balance required. Penalty for early withdrawal applies to all CD and IRA certificate terms: For terms less than 6 months, subject to a 30 day dividend penalty; for terms 6 months but less than 12 months, subject to a 60 day dividend penalty; for 12 month term, subject to a 90 day dividend penalty, for terms greater than 12 months, subject to a 180 day dividend penalty. $500.00 minimum required to open any term CD.
IRA Certificates
| IRA Certificate | Rate | APY* |
|---|---|---|
| SPECIAL! 13-Month IRA Certificate | 4.41% | 4.50% |
| SPECIAL! 23-Month IRA Certificate | 4.65% | 4.75% |
| 6-Month IRA Certificate | 0.15% | 0.15% |
| 1-Year IRA Certificate | 0.25% | 0.25% |
13-Month IRA Certificate
$500 minimum—no maximum. Penalty for early withdrawal applies. Special rate subject to change at any time without notice.
23-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.
Savings Accounts
| Choice Savings | Rate | APY* |
|---|---|---|
| $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 | Rate | APY* |
|---|---|---|
| $100.00 and above | 0.05% | 0.05% |
$5.00 minimum to open. Fees may reduce earnings.
| Captain Choice/My Choice | Rate | APY* |
|---|---|---|
| $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 | Rate | APY* |
|---|---|---|
| $100.00 and above | 0.05% | 0.05% |
Traditional, Roth, Coverdell, or Roth Conversion
| Business Money Market | Rate | APY* |
|---|---|---|
| $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 | Rate | APY* |
|---|---|---|
| $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 December 23, 2022.
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.