Rates

  • Savings Rates
  • Cert/IRA Rates
  • Auto Loan Rates
  • Personal Loan Rates

SAVINGS RATES

All rates are quoted as Annual Percentage Yields, or what a fixed amount would earn if on deposit for a period of one year. Note that “compounding” is factored in when determining Annual Percentage Yields! Rates and terms are subject to change; please call the Credit Union to verify the latest rates and terms. Note that on all Share Accounts, fees charged could reduce earnings. See our Schedule of Fees for all charges associated with Share Accounts (a one-page PDF file requiring Adobe Acrobat Reader ). Also available, is the Credit Union’s Electronic Funds Transfer Disclosure. Additional disclosures can also be found here.

Prime Share Accounts

DIVIDEND TIERS

  • $100.00 or less
  • $100.01 to $9,999.99
  • $10,000.00 and over

ANNUAL PERCENTAGE YIELD

  • no dividend paid
  • 0.020%
  • 0.050%

Christmas Club Account

DIVIDEND TIERS

  • $100.00 or less
  • $100.01 to $9,999.99
  • $10,000.00 and over

ANNUAL PERCENTAGE YIELD

  • no dividend paid
  • 0.020%
  • 0.050%

Sammie Savers / Surf Zone

DIVIDEND TIERS

  • $4.99 or less
  • $5.00 to $9,999.99
  • $10,000.00 and over

ANNUAL PERCENTAGE YIELD

  • no dividend paid
  • 0.020%
  • 0.050%

Money Market

DIVIDEND TIERS

  • $2,499.99 or less
  • $2,500.00 to $9,999.99
  • $10,000.00 to $24,999.99
  • $25,000.00 and over

ANNUAL PERCENTAGE YIELD

  • no dividend paid
  • 0.030%
  • 0.050%
  • 0.100%
*For Christmas Club and Term Certificates there are penalties for early withdrawal. Money Market Accounts are subject to withdrawal limitations.

CERTIFICATE/IRA RATES

All rates are quoted as Annual Percentage Yields, or what a fixed amount would earn if on deposit for a period of one year. All institutions are required to quote Annual Percentage Yields. Note that “compounding” is already factored in when determining Annual Percentage Yields! Rates and terms are subject to change; please call the Credit Union to verify the current rates and yield terms. Note that on all Share Accounts fees charged could reduce earnings. See our Schedule of Fees for all charges associated with Share Accounts (a one-page PDF file requiring Adobe Acrobat Reader). Also available are the Credit Union’s Electronic Funds Transfer Disclosure and Funds Availability: Facts About Deposits, Holds and Withdrawals Disclosure.

Individual Retirement Accounts

DIVIDEND TIERS

  • $100.00 or less
  • $100.01 and over

ANNUAL PERCENTAGE YIELD

  • no dividend paid
  • 0.300%

Term Certificates*

DIVIDEND TIERS

  • 3 month $1,000 min
  • 7 month $5,000 min.
  • 12 month $1,000 min.
  • 24 month $5,000 min.
  • 36 month $5,000 min.

ANNUAL PERCENTAGE YIELD

  • 0.100%
  • 0.150%
  • 0.200%
  • 0.250%
  • 0.400%
*For Christmas Club and Term Certificates there are penalties for early withdrawal. Money Market Accounts are subject to withdrawal limitations.

AUTO LOAN RATES

All Rates are quoted as Annual Percentage Rates (APR). Rates within loan types are given in ranges. The rate and terms you are offered for each loan type depend on a determination of your credit worthiness through an analysis of credit reports and information supplied on your loan application. All rates and terms are subject to change; please call the Credit Union to verify the laacc rates and terms.

New/Used Auto Loans - 2020-2017 Model Years old not exceeding 130K miles

APPROXIMATE TERM

  • 48-84 months

PERCENTAGE RATE

  • 3.49-17.50%

Used Auto Loans - 2016-2011 Model Years old not exceeding 130K miles

APPROXIMATE TERM

  • 48-84 months

PERCENTAGE RATE

  • 3.74-17.50%
*Members with Direct Deposit receive a 0.25% reduction off the quoted Annual Percentage Rate on all consumer loans (with the exception of VISA, share and certificate secured loans and real estate loans).

PERSONAL LOAN RATES

All Rates are quoted as Annual Percentage Rates (APR). Rates within loan types are given in ranges. The rate and terms you are offered for each loan type depend on a determination of your credit worthiness through an analysis of credit reports and information supplied on your loan application. All rates and terms are subject to change; please call the Credit Union to verify the latest rates and terms.

Personal Loans

APPROXIMATE TERM

  • Up to 36 months

PERCENTAGE RATE

  • 18.000%

Debt Consolidation

APPROXIMATE TERM

  • Up to 36 months

PERCENTAGE RATE

  • 5% above dividend rate

Share Secured Loans

APPROXIMATE TERM

  • Maximum 10 Years

ANNUAL PERCENTAGE YIELD

  • no dividend paid
  • 0.020%
  • 0.050%

Certificate Secured Loans

APPROXIMATE TERM

  • Term of Certificate

PERCENTAGE RATE

  • 5% above dividend rate
*Members with Direct Deposit receive a 0.25% reduction off the quoted Annual Percentage Rate on all consumer loans (with the exception of VISA, share and certificate secured loans and real estate loans).
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Central Coast Federal Credit Union ‑ Community Minded Just Like You!