Rates
Loan Rates
Effective Date: Wednesday, April 30th, 2025
| Name | APR* | Calculator |
|---|---|---|
| VEHICLE LOANS | ||
| Auto Loan | as low as 5.19% | Auto Loan Payment Calculator |
| Recreational Vehicle Loan | as low as 7.74% | Auto Loan Payment Calculator |
PERSONAL LOANS | ||
| Signature Loan | as low as 9.99% | Loan Payment Calculator |
| Share Secured Loan | 7.75% | Loan Payment Calculator |
VISA CREDIT CARDS | ||
| VISA Platinum Preferred | 11.90% | Credit Card Payoff Calculator |
| VISA Platinum | 13.90% | Credit Card Payoff Calculator |
| Balance Transfer | 11.90% or 13.90%** | Credit Card Payoff Calculator |
HOME EQUITY LINE OF CREDIT | ||
| Home Equity Variable*** | 7.50% | HELOC Calculator |
MORTGAGE LOANS | ||
| Mortgage | Current Rates | Mortgage Calculator |
| *APR=Annual Percentage Rate. Finance $10,000 at 5.19% for 48 months and your payment is $231.18. Rates are determined by the credit score, term and age of the collateral. Rates and terms are subject to change without notice. Please contact Community Focus Federal Credit Union for most recent rates. | ||
| **APR=Annual Percentage Rate. Rates 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: Wednesday, April 30th, 2025
| Name | APY* | Description |
|---|---|---|
| Savings Account (includes side savings) | 0.05% | $300 minimum balance to receive dividends |
| Savings Calculator | ||
| Money Market | 0.40% | $2,500-$49,999 balance |
| Money Market | 0.60% | $50,000-$99,999 balance |
| Money Market | 0.75% | $100,000+ balance |
| IRA | 0.40% | $5.00 minimum deposit |
| 6 Month Certificate | 3.75% | $1000 minimum deposit |
| 1 Year Certificate | 3.50% | $1000 minimum deposit |
| 2 Year Certificate | 2.75% | $1000 minimum deposit |
| 3 Year Certificate | 2.25% | $1000 minimum deposit |
| 4 Year Certificate | 2.25% | $1000 minimum deposit |
| 5 Year Certificate | 2.25% | $1000 minimum deposit |
| Share Certificate Calculator | ||
| **APY=Annual Percentage Yield. Savings are insured for up to $250,000 and backed by the full faith and credit of the National Credit Union Administration, a U.S. Government Agency. Dividend paid annually. $1,000 minimum deposit. This is a limited time offer and is subject to change without notice. A penalty may be imposed for early withdrawal. All rates are subject to change without notice. | ||