Rates

Savings Accounts

Description	Minimum Balance	Dividend Rate	APY
Savings Account	$0.01	0.02%	0.02%
Christmas Club	$0.01	0.10%	0.10%

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.
Annual Percentage Yields are accurate as of November 29, 2022 and subject to change.

Checking Accounts

Description	Minimum Balance	Dividend Rate	APY
Essentials Checking*	No minimum balance**	No Dividends Paid	No Dividends Paid
Simple Checking	No minimum balance	No Dividends Paid	No Dividends Paid
Checking Plus	$200.00+	0.02%	0.02%
Performance Money Market Checking Accounts	$200.00 - $2,499.99	0.25%	0.25%
	$2,500.00 - $24,999.99	1.00%	1.01%
	$25,000.00 - $49,999.99	1.20%	1.21%
	$50,000.00 - $99,999.99	1.50%	1.51%
	$100,000.00 +	1.70%	1.71%

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.
Essentials Account
*$25.00 minimum to open required
**Monthly Maintenance Fee applies
Annual Percentage Yields are accurate as of November 29, 2022 and subject to change.

Share Certificates

Description	Term	Dividend Rate	APY
	1-5 months	0.40%	0.40%
	6-11 months	1.50%	1.51%
	12-23 months	1.80%	1.81%
	24-35 months	2.20%	2.22%
	36-47 months	2.25%	2.27%
	48-59 months	2.30%	2.32%
	60+ months	2.80%	2.83%
Youth and Young Adult Savings Certificates	3 month	0.40%	0.40%
	6 month	1.00%	1.00%
	12 month	1.65%	1.66%
	24 month	2.00%	2.02%
Share Certificates (IRA)	1-5 months	0.40%	0.40%
	6-11 months	1.50%	1.51%
	12-23 months	1.80%	1.81%
	24-35 months	2.20%	2.22%
	36-47 months	2.25%	2.27%
	48-59 months	2.30%	2.32%
	60+ months	2.80%	2.83%
Share IRA		0.40%	0.40%
Kickstart IRA**	12 months	1.90%	1.91%

Early withdrawal penalties may apply. At maturity, account is subject to automatic renewal at the rate then in effect for that term. --Dividends compounded quarterly.
For Share Certificates: Minimum deposit $250.00.
For Youth/Young Adult certificates: Minimum deposit $100.00 with maximum amount of $3,000.00.
For IRA certificates: Dividends compounded quarterly, certificate minimum balance $250.00, minimum deposit to open $250.00.
**Kickstart IRA needs minimum $100.00 to open with a max of $250,000.00. Subsequent deposits allowed.
Annual Percentage Yields are current of November 29, 2022 and subject to change.

Personal Loans

Term	APR (as low as)
Up to 60 months	8.69%
61 - 84 months	11.49%

APR - Annual Percentage Rate
Not all borrowers will qualify for extended term.
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. For a $5,000 personal loan at 11.19% APR and a payment term of 36 months, your monthly payment will be $165.00 per month.
Annual Percentage Rate is accurate as of October 25, 2022

Vehicle Loan Rates

Type	Term	APR (as low as)
New Autos	Up to 36 months	3.69%
	37 - 60 months	3.99%
	61 - 72 months	4.29%
	73-84 months	5.39%
Used Autos	Up to 36 months	3.99%
	37 - 60 months	4.39%
	61 - 72 months	4.99%
	72 - 84 months****	5.99%
Secured Loans (Watercraft, Campers, ATVs, Motorcycles)	Up to 36 months (minimum $5,000)	6.49%
	37 - 60 months (minimum $9,000)	7.49%
	61 - 72 months (minimum $18,000)	8.49%¹
Boat Loans, RV, 5th Wheels	Up to 60 months (Minimum $5,000)	5.99%
	61 - 96 months (Minimum $20,000)	6.49%
	96 - 120 months (Minimum $30,000)	7.49%
	121 - 180 months (new only) - (Minimum $30,000)	8.49%

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.
1-Not all borrowers will qualify. Subject to terms and conditions. Minimum FICO score required to be eligible.
For a $15,000 vehicle loan at 5.79% APR and a payment term of 60 months, your monthly payment will be $289.00. This amount does not include optional vehicle protection coverage. For a $30,000 vehicle loan at 7.79% APR and a payment term of 84 months, your monthly payment will be $465.00. This amount does not include optional vehicle protection coverage.
Annual Percentage Rate is accurate as of October 25, 2022

Other Loan Rates

Type	Term	APR (as low as)
MyLine Anytime		9.20%
Overdraft (Discontinued)		16.50%
Secured by Share Account or Certificate	Up to 36 months 37-60 months	6.99% 7.99%

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.

For a $3,000 Myline loan at 11.20% APR and payments will be 3.50% of balance with a minimum payment of $25.00, term will vary based on the required minimum payment. For a $3,000 Share Secured loan at 6.99% for 36 months the payment will be $93.00 per month.

Annual Percentage Rate is accurate as of October 25, 2022

Visa Credit Cards

Description	APR
Visa® Classic Card	16.00%
Visa® Gold Card with Bonus Points Program	14.00%*
Visa® Platinum Card with Bonus Points Program	12.00%*
Visa® Firefighter Gold Card	14.00%*
Visa® Secured Card**	16.00%

Please review our New Account Credit Card Agreement.
Up to 1% Foreign Transaction fee applies. Find additional fees here
*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.
**Visa Share secured loans must be secured by CPM subshare account. The required pledge amount will be $100.00 greater than the Visa limit requested. Minimum required Visa limit of $400.00.
Prime rate = WSJ rate currently 7.00%
Annual Percentage Rate is accurate as of November 4, 2022

Mortgage

Mortgage Type
First Mortgage		Learn More
ARM Mortgages		Learn More
Manufactured Homes		Learn More

APR - Annual Percentage Rate
Federally insured by NCUA. Institution's NMLS Identifier Number: #509298 Rates and terms may vary depending on the type of Mortgage Loan, loan to value and evaluation of your credit. Learn More

HELOC

HELOC Option	Term	APR (as low as)
Variable Rate	10 year draw with 15 year repayment	1.99% 6-month introductory rate/as low as Prime (Prime = 7.00%)
Fixed Rate	5 year draw with a 10 year repayment	6.74%

* APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable). Discount rate is for the initial 6 months, rate will be adjusted to the qualifying tier rate. Current projected rate after initial discount as low as 7.00% up to 90% LTV. Rates after initial 6 month discount period will be between 7% and 13.50% based on applicant’s qualifying credit score, combined loan to value and lien position.

APR - Annual Percentage Rate. Membership rules and restrictions apply. Terms and conditions subject to change without notice. Offer subject to credit approval, not all borrowers will qualify. Rates depend on LTV, lien position, and credit score. The offer is limited to currently occupied, single-family dwellings and is not valid for rental properties, mobile homes or residential lots. Property insurance is required as a condition of the loan. Closing cost are associated with this loan. To open and maintain a Home Equity Line of Credit, you may have to pay certain fees to third parties. These fees generally total $750.00- $2000.00. At your request, an itemization of these fees can be provided and are estimated. Prime rate = WSJ rate currently 7.00%

Rates accurate as of November 4, 2022.

Fees

Item	Fee	How to Avoid
Account Fees
Account Activity Printout/Statement Copy Fee	$5.00	Sign up for CPM Anytime
Account Closure Fee (Applies if Main Savings Account is closed within 90 days of opening date)	$10.00
Inactive Account Fee (Applies if the account has been inactive for 1 year and member only has a savings account)	$5.00 per month	Complete at least one transaction per year.
Account Research/Balancing Assistance	$35.00 per hour	Sign up for CPM Anytime
Bad Address	$5.00 per month until updated	Sign up for CPM Anytime to update account information
Christmas Club - Early Withdrawal	$5.00	Open a subshare savings with no fee for withdrawal
Excessive Withdrawal Fee (3 free withdrawals from Main Savings Account allowed per month)	$3.00 per withdrawal	Open a Checking Account
Non-Sufficient Funds (NSF, ACH, ATM, Check Card, Internet Bill Pay)	$32 each time an item is returned	Apply for a "My Line Anytime" reserve line of credit.
Paper Statement Fee (Free 18 years and under or 55 years and over)	$3.00 per statement	Sign up for eStatements
Overdraft Privilege Fee (Opt-in required for Paper Notification)	$32 per item(Max of 4 per day. Transactions of $5.00 or less will not incur a fee) $33.00 with paper notification	Learn More
ATM/Debit Fees
Replace ATM card/Debit card	$7.00
Replace PIN reminders	$2.00
Out of network ATM inquiry	$.50 per inquiry	Locate a fee free ATM Here
Out of network ATM withdrawal	$2.00 per withdrawal	Locate a fee free ATM Here
Branch Fees
Cashier's/Official Check	$5.00 (First per day free)
Stop Payment (Draft, ACH, Internet Bill Pay)	$32.00 per item
Checking Fees
Check Copies	$2.00 per item	Sign up for CPM Anytime or eStatements
Checking Plus Average Daily Balance drops below $200.00 min. balance	$3.00	Change account to Simple Checking
Essentials Checking Monthly Maintenance Fee	$5.95
Performance Money Market Average Daily Balance drops below $1,000 min. balance	$10.00	Change account to Checking Plus or Simple Checking
Performance Money Market - Excessive Withdrawals (over 6 per month)	$10.00	Change account to Checking Plus or Simple Checking
Checks - Temporary (Waived if member places order with us on the same day for full box of checks)	$5.00 for sheet of 4 checks	Order box of checks
International Check Processing Fee	$25 per item
Loans
CARFAX History Report	$11.00
Payoff - Signed payoff letter on letterhead for consumer loan.	$15.00	System payoff printout is free.
Payment by phone - if processed by Contact Center Agent	$21.00	Sign up for CPM Anytime and make transfers online or through PAL
Skip-a-Pay fee (per loan) * Offered Seasonally	$25.00
Miscellaneous
ACH fee per deposit for manually posting deposits due to incorrect routing info	$10.00	Contact your HR to correct deposit information.
Foreign Checks Deposited and Returned Unpaid (Savings, checking, Loan)	$12.00
Gift Card Purchase	$3.00
Legal Process (Tax levy, garnishment, etc.)	$75.00
Money Orders	$1.50 per item
Stale Check locator fee	$10.00
Mortgage
Payoff by Third Party	$20.00
Mortgage Subordination	$250.00
Mortgage Verification (VOD)	$20.00
Mortgage Modification Fee	$750.00
Online Banking
Soft Token Fee (good for 5-year period)	$20
Safe Deposit Boxes:
10 x 10: $85.00 3 x 10: $40.00 3 x 5: $25.00 5 x 10: $55.00		$5 discount for members age 55 and better
Change Lock/New Key -	Locksmith fees
Drill Box -	Locksmith fees
VISA
Card Recovery	$50.00
Card Replacement	$5.00
Document Copy	$2.00 per copy
Payment by phone - if assisted by Card Processor	$10.00	Sign up for CPM Anytime and make transfers online or through PAL
Payment Late Fee	up to $25.00
Payment Return Check	up to $25.00
Share Secured early termination fee	$25.00
Wires
Incoming Domestic Wire Transfer	$10.00
Incoming Foreign Wire Transfer	$15.00
Outgoing Foreign Wire Transfer	$40.00
Outgoing Wire Transfer	$15.00	Sign up for Zelle® through CPM Anytime

(Last Modified: December 1, 2022)

Non-Member Fees

The following fees are for Non-Members only:
ATM surcharge for non-members/SEG locations	$3/$2	Open a Checking Account or a Share account with CPM
Coin Counter Fee (non-members only)	10% of cash value	Open a Share account with CPM

(Last Modified: September 1, 2022)

Exclusively for our Members:


First Cashier Check Each Day	FREE
Notary Services	FREE
Zelle© (person-to-person) Transfers	FREE
Bill Payer Services	FREE
Credit Counseling Services	FREE
Infant Account Membership Par Value (for infants up to 6 months)	FREE
Member Discounts Services thru lovemycreditunion.com	FREE
Coin Counter Services (at applicable locations)	FREE
Company Hosted Financial Seminars for our Members	FREE
Over 65,000 Surcharge Free ATMs	FREE
eStatements	FREE
Telephone & Online Banking	FREE
Budget & Financial Calculators Online	FREE
Drive-thru Goodies (Lollipops for kids, dog treats for pups)	FREE
Unlimited use of the branch teller transactions during business hours	FREE
Quicken Integration with Online Banking	FREE
Subject to change without notice. This offer will only apply to our standard image checks and will not include any customization.