Rates and Fees

Savings Accounts (Last Modified: Apr 17, 2015)

DescriptionMinimum BalanceDividend RateAPY
Savings Account$0.010.02%0.02%
Christmas Club$0.010.02%0.02%

APY - Annual Percentage Yield
$5.00 minimum balance is required to maintain a Savings Account. Rates listed above are subject to change after the account is opened. Certain fees may apply and may reduce earnings.

Checking Accounts (Last Modified: Apr 17, 2015)

DescriptionMinimum BalanceDividend RateAPY
Essentials CheckingNo minimum balance*No Dividends PaidNo Dividends Paid
Simple CheckingNo minimum balanceNo Dividends PaidNo Dividends Paid
Checking Plus$200.00+0.02%0.02%
Performance Money Market Checking Accounts$200.00 - $2,499.990.02%0.02%
$2,500.00 - $9.999.990.05%0.05%
$10,000.00 - $24,999.990.10%0.10%
$25,000.00 - $49,999.990.20%0.20%
$50,000.00+0.25%0.25%

APY - Annual Percentage Yield
Checking Accounts are earned on the average daily balance and posted quarterly. Rates listed above are subject to change after the account is opened. Dividends on Performance Money Market Accounts are earned on the average daily balance and posted monthly. Certain fees may apply and may reduce earnings.
*Monthly Maintenance Fee applies

Share Certificates (CDs/IRAs) (Last Modified: May 06, 2015)

DescriptionTermDividend RateAPY
3 months0.10%0.10%
6 months0.20%0.20%
12 months0.30%0.30%
24 months0.40%0.40%
36 months0.50%0.50%
48 months1.15%1.15%
60 months0.70%0.70%
Share Certificates (IRA)3 months0.20%0.20%
6 months0.30%0.30%
12 months0.40%0.40%
24 months0.50%0.50%
36 months0.60%0.60%
60 months0.80%0.80%
Kickstart IRA** 12 months0.75%0.75%
Savings IRA
(No minimum balance)
N/A0.05%0.05%

APY - Annual Percentage Yield
Minimum deposit for IRA Certificate Accounts - $250.00
Rates are fixed for the term of the Account.
A Penalty may be imposed for early withdrawal.
Youth - minimum deposit of $100. 3 months - 2 years terms. $3,000 maximum certificate amount. Dividends may be withdrawn at any time without penalty or added to principal. Penalty for early principal withdrawals.
**Kickstart IRA needs a minimum $100.00 to open with a max of $250,000.00. Subsequent deposits allowed.

Personal Loans (Last Modified: Mar 09, 2015)

DescriptionAPR
Personal Loanas low as 8.50%

APR - Annual Percentage Rate
Rate will never exceed 18.00% APR.
As Low As rates listed are our best rates based on approved credit; actual rate offered may be higher depending upon applicant's credit rating and other underwriting factors. All advertised rates are subject to change without notice.

Vehicle Loan Rates (Last Modified: Mar 10, 2015)

TypeTermAPR
New AutosUp to 60 monthsas low as 1.69%
Financing 61 - 72 monthsas low as 2.19%
Financing 73-84 monthsas low as 2.74%
Used Autos Up to 60 monthsas low as 1.99%
Financing 61 - 72 monthsas low as 2.49%
Motor Homes, Boats, 5th Wheels, and Travel TrailersUp to 120 months
Minimum to Finance $30,000
as low as 4.99%
Up to 84 months
Minimum to Finance $20,000
as low as 4.99%
Motorcycles, ATVs, Personal Water Craft, Other SecuredUp to 60 months
*boats get 1% rate reduction
as low as 4.99%

APR - Annual Percentage Rate
New vehicles are either current or previous year auto with less than 12,000 miles.
Rates listed are best available based on approved credit; actual rate offered may be higher depending upon applicant credit rating and other underwriting factors.
All advertised rates are subject to change without notice.

Other Loan Rates (Last Modified: Mar 10, 2015)

TypeTermAPR
MyLine Anytime8.50%
Overdraft (Discontinued) 16.50%
Secured by Share Account or CertificateUp to 36 months
37-60 months
2.99%
4.99%

APR - Annual Percentage Rate
Rates listed are our best rates based on approved credit; actual rate offered may be higher depending upon applicant's credit rating and other underwriting factors. All advertised rates are subject to change without notice.

Visa Credit Cards (Last Modified: Mar 10, 2015)

DescriptionAPR
Visa® Classic Card16.00%
Visa® Gold Card
with Bonus Points Program
10.25%*
Visa® Platinum Card
with Bonus Points Program
8.25%*
Visa® Firefighter Gold Card10.25%*
Visa® Secured Card16.00%

Please review our New Account Credit Card Agreement.
*APR - Annual Percentage Rate. Cards are subject to credit approval. CPM Federal Credit Union reserves the right to change any of the above credit card rates at any time. The APR will vary with the market based on the Prime Rate.

Mortgage (Last Modified: Mar 10, 2015)

Mortgage TypeTermRates as low as
First Mortgage10 years
15 Years
20 Years
30 Years
Contact us at 877.906.7032
7/1 ARM
5/5 ARM
Contact us at 877.906.7032

APR - Annual Percentage Rate
Based on a $100,000 loan amount. 30 day rate lock.
As Low As rates listed are our best rates based on approved credit; actual rate offered may be higher depending upon applicant's credit rating and other underwriting factors. All advertised rates are subject to change without notice.

HELOC (Last Modified: Mar 10, 2015)

HELOC OptionTermAPR
Variable Rate10 year draw with a 15 year repaymentDiscount Rate*/ Rate as low as
1.99%/3.25%
Fixed Rate5 year draw with a 10 year repayment Rate as low as
3.99%

APR - Annual Percentage Rate. All rates are subject to change without notice.
*Terms and conditions apply. Discount rate is for the initial 6 months, rate will be adjusted to the qualifying tier rate plus prime with a maximum of 18%. Current projected rate after initial discount as low as 3.25% up to 90% LTV. All loan rates are tiered based on credit score unless otherwise stated. No rate will be higher than 18% APR.
"As Low As" rates listed below are our best rates based on approved credit; actual rate offered may be higher depending upon applicant's credit rating and other underwriting factors. All advertised rates are subject to change without notice. See a Branch Representative for more details.

Fees - Click for NEW Fee Updates effective July 1, 2015 (Last Modified: May 12, 2015)

ItemFee

Fees listed above are subject to change without notice.
** Members age 55 and better will receive a $5.00 discount

Please see a member service representative for details.

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