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Rates

Savings & Checking Accounts

 
Account Name Rate Type Minimum To Earn Dividends Dividend Rate Annual Percentage Yield  
Regular Savings Variable $500.00 0.15% 0.15%  
Junior Saver Variable $25.00 0.15% 0.15%  
Santa's Helper Variable $500.00 0.15% 0.15%  
Other Savings Variable $500.00 0.15% 0.15%  
IRA Savings Variable $500.00 0.15% 0.15%  
Checking Variable $500.00 0.05% 0.05%  

 

Money Market Accounts

 
Account Balance Rate Type   Dividend Rate Annual Percentage Yield  
$0.01 - $9,999.99 Variable   0.250% 0.250%  
$10,000.00 - $49,999.99 Variable   0.399% 0.400%  
$50,000.00 - $249,999.99 Variable   0.549% 0.550%  
>$250,000 Variable   0.747% 0.750%  

 

Term Account Dividend Rates

 
Account Term Rate Type Minimum To Earn Dividends Dividend Rate Annual Percentage Yield APY w/ Cking & eStmt
3 Month Fixed $1000.00 0.325% 0.325% 0.450%
6 Month Fixed $1000.00 0.574% 0.575% 0.700%
12 Months Fixed $1000.00 0.723% 0.725% 0.850%
18 Months Fixed $1000.00 0.773% 0.775% 0.900%
24 Months Fixed $1000.00 1.120% 1.125% 1.250%
36 Months Fixed $1000.00 1.318% 1.325% 1.450%
48 Months Fixed $1000.00 1.467% 1.475% 1.600%
60 Months Fixed $1000.00 1.763% 1.775% 1.900%

 

Junior Saver Certificate Rates

 
Account Term Rate Type Minimum To Earn Dividends Dividend Rate Annual Percentage Yield APY w/ Cking & eStmt
12 Month Fixed $500.00 0.723% 0.725% 0.850%

 

Mini Jumbo & Jumbo Certificate Rates

 
Account Term Rate Type Minimum To Earn Dividends Dividend Rate Annual Percentage Yield APY w/ Cking & eStmt
6 Month Fixed $25,000.00 0.574% 0.575% 0.700%
12 Month Fixed $25,000.00 0.723% 0.725% 0.850%
18 Month Fixed $25,000.00 0.773% 0.775% 0.900%
24 Month Fixed $25,000.00 1.120% 1.125% 1.250%
36 Month Fixed $25,000.00 1.318% 1.325% 1.450%
48 Month Fixed $25,000.00 1.467% 1.475% 1.600%
60 Month Fixed $25,000.00 1.763% 1.775% 1.900%
6 Month Fixed $100,000.00 0.624% 0.625% 0.750%
12 Month Fixed $100,000.00 0.773% 0.775% 0.900%
18 Month Fixed $100,000.00 0.822% 0.825% 0.950%
24 Month Fixed $100,000.00 1.170% 1.175% 1.300%
36 Month Fixed $100,000.00 1.368% 1.375% 1.500%
48 Month Fixed $100,000.00 1.516% 1.525% 1.650%
60 Month Fixed $100,000.00 1.813% 1.825% 1.950%

 

Education IRA Term Accounts

 
Account Term Rate Type Minimum To Earn Dividends Dividend Rate Annual Percentage Yield APY with Cking & eStatement
12 Month Fixed $500.00 0.723% 0.725% 0.850%
24 Month Fixed $500.00 1.120% 1.125% 1.250%
36 Month Fixed $500.00 1.318% 1.325% 1.450%
48 Month Fixed $500.00 1.467% 1.475% 1.600%
60 Month Fixed $500.00 1.763% 1.775% 1.900%

 

Roth & Traditional IRA Term Accounts

 
Account Term Rate Type Minimum To Earn Dividends Dividend Rate Annual Percentage Yield APY w/ Cking & eStmt
3 Month Fixed $1000.00 0.325% 0.325% 0.450%
6 Month Fixed $1000.00 0.574% 0.575% 0.700%
12 Month Fixed $1000.00 0.723% 0.725% 0.850%
18 Month Fixed $1000.00 0.773% 0.775% 0.900%
24 Month Fixed $1000.00 1.120% 1.125% 1.250%
36 Month Fixed $1000.00 1.318% 1.325% 1.450%
48 Month Fixed $1000.00 1.467% 1.475% 1.600%
60 Month Fixed $1000.00 1.763% 1.775% 1.900%

Warning:  Early withdrawals from Term / Certificate Accounts may result in substantial penalties.

Regular Share Dividend Declaration as of 06/30/2019.

Money Market and Certificate Rates Effective as of July 1, 2019.

Rates Subject To Change Without Notice


 

New or Used Auto / Van / Truck / SUV

A new vehicle is defined as a current or previous model year with less than 10,000 miles.  Used vehicles as old as 2000 - same rate as new.  Maximum financing for new/used vehicles:  Purchase price, tax, license, and Mechanical Breakdown Insurance (MBI).  Not to exceed 125% of MSRP/N.A.D.A Value, plus GAP (A & B borrowers).  All others subject to review.  Representative Example:  For a $20,000 loan with a 48-month repayment term at 2.89% APR* funded with a first payment due date set at 80 days from the origination date, the payment would be $443.51 for 47 months, with a final payment of $443.38.  Published rate includes a 0.80% relationship pricing discount for an active CACCU Checking Account and Automatic Loan Payment transfer.

 

Approximate Term Limit Annual Percentage Rate (APR) As Low As...
Up to 48 Months   2.89%
Up to 60 months $10,000 or Over 3.09%
Up to 72 Months $15,000 or Over 3.29%
Up to 84 Months $25,000 or Over 3.49%

*Rates not available for the refinance of an existing California Community Credit Union Auto Loan.


 

New / Used RV

Motor Home, Travel Trailer, Jet Ski ATV, etc. etc.  Up to 100% of MSRP or Blue Book Value plus tax, license and mechanical repair coverage(MRC).

Approximate Term Limit Annual Percentage Rate (APR) As Low As...*
Up to 180 Months - NEW 80% Financed 5.99%
Up to 180 Months - NEW 100% of Purchase Price 5.99%
Up to 144 Months - USED 80% Financed 5.99%
Up to 144 Months - USED 100% Retail Appraisal 5.99%

Representative Example:  For a $100,000 loan with a 180-month term at 5.99% APR* funded with a first due date set at 30 days from the origination date, the payment would be $843.54 for 179 months, with a final payment of $840.79.


 

New / Used Boat

Up to 100% of MSRP/Appraisal Value including tax, license and mechanical repair coverage (MRC).

Approximate Term Limit Annual Percentage Rate (APR) As Low As...*
Up to 180 Months - NEW 80% Financed 5.99%
Up to 180 Months - NEW 100% of Purchase Price 5.99%
Up to 120 Months - USED 80% Financed 5.99%
Up to 120 Months - USED 100% Retail Appraisal 5.99%

Representative Example:  For an $80,000 loan with a 180-month term at 5.99% APR* funded with a first due date set at 30 days from the origination date, the payment would be $674.83 for 179 months, with a final payment of $673.27.


 

New / Used Motorcyle & Misc. Secured

 Up to 90% of MSRP or Blue Book Value including tax, license and mechanical repair coverage (MRC).  Relationship Pricing:  Enjoy a 0.80% rate reduction when you have an active CACCU Checking Account and sign up for Automatic Loan Payments.

Approximate Term Limit Annual Percentage Rate (APR) As Low As...*
Up to 72 Months - NEW 100% Purchase Price 5.95%
Up to 60 Months - USED 100% Purchase Price 6.75%

Representative Example:  For a $20,000 loan with a 72-month term at 7.75% APR*, funded with a first due date set at 30 days from the origination date, the payment would be $348.29 for 71 months, with a final payment of $347.23.


 

Share Secured / Certificate Secured

 
Approximate Term Limit Annual Percentage Rate (APR)
Up to 60 Months Up to Balance of Regular Share Account 4.99%
Up to 120 Months Up to 90% of Certificate Balance 2.50% (Margin) over current dividend rate

Note:  The Annual Percentage Rate (APR) for certificate secured advances will be the dividend rate being paid on the Certificate offered as security (Index), plus 2.50%. Representative Example:  For a $10,000 loan with a 60-month term at 4.99% APR* funded with a first due date set at 30 days from the origination date, the payment would be $188.69 for 59 months, with a final payment of $188.06.


 

Signature / Promotional / Line of Credit / Overdraft / Short-Term Small Dollar

 
Approximate Term Limit Annual Percentage Rate (APR) As Low As...
Signature / Line of Credit Minimum $500 - Maximum $15,000 13.00%
Fast Cash Overdraft LOC - $500 maximum 18.00%
Short-Term Small Dollar Maximum $1,000 18.50%

Note: Fast Cash overdraft protection minimum payment will be set at $50.00 per month.

Short-Term Small Dollar Loans - An alternative to expensive payday loans; repayment terms of up to six (6) months.  There is a non-refundable application fee of $20.00 for this loan type.


 
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