Home > Learn > Resources > Rates

Rates

Loan Rates
Effective Date: Tuesday, January 18th, 2022
NameAPR*Special OfferCalculator

AUTO & RECREATIONAL VEHICLE LOANS

Auto Loan as low as 2.59%

Refinance for as low as 1.99% APR* 

New Money Only

Loan Payment Calculator
Recreational Vehicle Loan as low as 4.59%

Refinance for as low as 3.59% APR* 

New Money Only

Loan Payment Calculator

PERSONAL LOANS

Signature Loan as low as 7.95%

Refinance for as low as 6.95% APR* 

New Money Only

Loan Payment Calculator
Line of Credit (Revolving) 12.90%   Loan Payment Calculator
Share Secured Loan 4.00%   Loan Payment Calculator

VISA CREDIT CARDS

VISA Platinum Preferred 5.90%**   Credit Card Calculator
VISA Platinum 5.90%**   Credit Card Calculator
Balance Transfer 2.99%**   Credit Card Calculator

HOME EQUITY LINE OF CREDIT

Home Equity Variable*** 3.25%   Loan Payment Calculator

MORTGAGE LOANS

Mortgage Current Rates   Mortgage Calculator
*APR=Annual Percentage Rate. Rates based on creditworthiness. Rates are subject to change any time without notice. Promotional auto loan rates as low as 1.99% APR and promotional recreational vehicle loan rates as low as 3.59% APR. New money only to be eligible for the promotional auto loan rates and recreational vehicle loan rates. Minimum financed amount on auto and recreational vehicle loans is $10,000. Terms up to 84 months. Non promotional auto loan rates are 2.59% APR and non promotional recreational vehicle loan rates are 4.59% APR. Promotional personal rates as low as  6.95% APR. New money only to be eligible for the promotional personal loan rates. Non promotional personal rates are 7.95% APR. Excluded are credit cards, revolving loans and real estate loans. Offer valid until January 31, 2022.
**APR=Annual Percentage Rate. The introductory rate is for the first six months. After that, the rate will revert to 11.90% APR or 13.90% APR as specified in your Credit Card Agreement.  Availability of offer is based on credit worthiness.The method to compute the balance for purchases is average daily balance. Please contact Community Focus Federal Credit Union for specific terms and conditions. Additional limitations, terms and conditions apply, see VISA Credit Card Disclosure.
***APR = Annual Percentage Rate. Rates based on term, credit, and collateral. Contact Community Focus FCU for most current rate. Variable-rate loan may change quarterly based on the Wall Street Journal Prime Rate. Maximum APR is 16.00%.

Savings Rates
Effective Date: Tuesday, January 18th, 2022
Name APY*Description
Savings Account (includes side savings) 0.05% $300 minimum balance to receive dividends
Money Market 0.10% $2,500.00-$49,999.99 balance
Money Market 0.15% $50,000.00-$99,999.99 balance
Money Market 0.20% $100,000.00+ balance
IRA 0.40% $5.00 minimum deposit
6 Month Certificate 0.30% $1000.00 minimum deposit
1 Year Certificate 0.35% $1000.00 minimum deposit
2 Year Certificate 0.40% $1000.00 minimum deposit
3 Year Certificate 0.50% $1000.00 minimum deposit
4 Year Certificate 0.60% $1000.00 minimum deposit
5 Year Certificate 0.75% $1000.00 minimum deposit
*APY = Annual Percentage Yield.

 

Go to main navigation