Loan Rates

Effective October 1, 2107 to December 31, 2017

 

Save an additional .25% off rates if you make your loan payments via direct deposit/payroll deduction.

 

Type

Term

APR**

Notes

Holiday

Loan Special

0-12 mos.

4.24%

Over $10,000 requires collateral

Holiday

Loan Special

24-36 mos.

7.00%

Over $10,000 requires collateral

Holiday

Loan Special

36-48 mos.

8.50%

Over $10,000 requires collateral

Holiday

Loan Special

49-60 mos.

9.50%

Over $10,000 requires collateral

 

 

 

 

Auto Loan(1) Special

Model Years 2014-2017

0-48 mos.

2.24%

100% Financing

Auto Loan(1) Special

Model Years 2014-2017

60 mos.

2.75%

100% Financing

Auto Loan(1) Special

Model Years 2014-2017

72 mos.

4.00%

100% Financing

Auto Loan(1) Special

Model Years 2014-2017

84 mos.

4.50%

100% Financing

Auto Loan(1) Special

Model Years 2012-2013

0-60 mos.

4.25%

100% Financing

Auto Loan(1) Special

Model Years 2012-2013

72 mos.

4.75%

100% Financing

Auto Loan(1) Special

Model Years 2007-2011

0-48 mos.

6.50%

100% Financing

 

 

 

 

Home Improvement (2)

0-36 mos.

7.75%

Over $10,000 requires collateral

Home Improvement (2)

0-48 mos.

8.75%

Over $10,000 requires collateral

 

 

 

 

Credit Builder

0-24 mos.

18.00%

Maximum $2,500/24 month term

 

 

 

 

Personal

0-36 mos.

10.00%

Over $10,000 requires collateral/comaker

Personal

37-48 mos.

10.25%

Over $10,000 requires collateral/comaker

 

 

 

 

ShareDraft Checking

Overdraft Line of Credit

14.00%

 

 

 

 

 

Home Equity*

5 Years

4.00%

LTV=80%

Fixed Rates. No closing costs. Maximum Loan $50,000.*

Home Equity*

10 Years

5.25%

LTV=80%

Fixed Rates. No closing costs. Maximum Loan $50,000.*

 

 

 

 

Educational

0-36 mos.

8.00%

College/University/School

invoices required

Educational

37-60 mos.

9.50%

College/University/School

invoices required

 

 

 

 

Short Term Loan

1-6 mos.

21.00%

Amounts between $200-$1000. Must be member for 1 month.

Share Secured

 -

Dividend

+ 3.00%

Pledge share (savings) account as collateral.

Visa Credit Card

 -

9.90%

No Annual Fee - Fixed

 

(1)All vehicle loans require an insurance card and either a dealer purchase agreement or, if purchased through a private owner, a copy of the title. Auto loan amount not to exceed NADA value.
(2) Loan check must be made payable to the vendor/creditor.
* Maximum loan to value 80% of appraisal value of property. If loan is cancelled, or equity requirements are not met, applicant is responsible for the appraisal fee.
**A.P.R = Annual Percentage Rate
Rate is based on credit "grade A", your actual rate may be higher based on your credit score.
Loan rate specials expire December 31, 2017 but CHCU reserves the right to withdraw special offers at any time.
All rates are subject to change without notice. Some restrictions may apply.

 

 

Savings Rates

Effective October 1, 2107 to December 31, 2017

 

SHARE DEPOSITS

Account Type

APR*

APY**

Notes

Share

0.01%

0.01%

 -

Christmas Club

0.01%

0.01%

 -

Vacation Club

0.01%

0.01%

 -

CERTIFICATES OF DEPOSIT

Term

APR*

APY**

Notes

Not available at this time.

 

*APR = Annual Percentage Rate

**APY = Annual Percentage Yield

Savings rates subject to change.