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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 0.10% 0.10%  
Junior Saver Variable $25.00 0.10% 0.10%  
Santa's Helper Variable $500.00 0.10% 0.10%  
Other Savings Variable $500.00 0.10% 0.10%  
IRA Savings Variable $500.00 0.10% 0.10%  
Checking Variable $500.00 0.02% 0.02%  

 

Money Market Accounts

 
Account Balance Rate Type   Dividend Rate Annual Percentage Yield  
$0.01 - $9,999.99 Variable   0.150% 0.150%  
$10,000.00 - $49,999.99 Variable   0.200% 0.200%  
$50,000.00 - $99,999.99 Variable   0.250% 0.250%  
>$100,000 Variable   0.300% 0.300%  

 

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 0.025% 0.025% 0.150%
6 Month Fixed $1000.00 0.225% 0.225% 0.350%
12 Months Fixed $1000.00 0.424% 0.425% 0.550%
18 Months Fixed $1000.00 0.524% 0.525% 0.650%
24 Months Fixed $1000.00 0.624% 0.625% 0.750%
36 Months Fixed $1000.00 0.723% 0.725% 0.850%
48 Months Fixed $1000.00 1.120% 1.125% 1.250%
60 Months Fixed $1000.00 1.516% 1.525% 1.650%

 

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 0.424% 0.425% 0.550%

 

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 0.275% 0.275% 0.400%
12 Month Fixed $25,000.00 0.474% 0.475% 0.600%
18 Month Fixed $25,000.00 0.574% 0.575% 0.700%
24 Month Fixed $25,000.00 0.673% 0.675% 0.800%
36 Month Fixed $25,000.00 0.773% 0.775% 0.900%
48 Month Fixed $25,000.00 1.170% 1.175% 1.300%
60 Month Fixed $25,000.00 1.566% 1.575% 1.700%
6 Month Fixed $100,000.00 0.325% 0.325% 0.450%
12 Month Fixed $100,000.00 0.524% 0.525% 0.650%
18 Month Fixed $100,000.00 0.624% 0.625% 0.750%
24 Month Fixed $100,000.00 0.723% 0.725% 0.850%
36 Month Fixed $100,000.00 0.822% 0.825% 0.950%
48 Month Fixed $100,000.00 1.170% 1.175% 1.300%
60 Month Fixed $100,000.00 1.566% 1.575% 1.700%

 

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 0.424% 0.425% 0.550%
24 Month Fixed $500.00 0.624% 0.625% 0.750%
36 Month Fixed $500.00 0.723% 0.725% 0.850%
48 Month Fixed $500.00 1.120% 1.125% 1.250%
60 Month Fixed $500.00 1.516% 1.525% 1.650%

 

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 0.025% 0.025% 0.150%
6 Month Fixed $1000.00 0.225% 0.225% 0.350%
12 Month Fixed $1000.00 0.424% 0.425% 0.550%
18 Month Fixed $1000.00 0.524% 0.525% 0.650%
24 Month Fixed $1000.00 0.624% 0.625% 0.750%
36 Month Fixed $1000.00 0.723% 0.725% 0.850%
48 Month Fixed $1000.00 1.120% 1.125% 1.250%
60 Month Fixed $1000.00 1.516% 1.525% 1.650%

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

Regular Share Dividend Declaration as of 03/31/2018.

Money Market and Certificate Rates Effective as of April 1, 2018.

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 1992 - same rate as new.  Maximum financing for new/used vehicles:  Purchase price up to 100% of the Manufacturer Suggested Retail Price (MSRP)/Blue Book, plus tax, license, extended warranty (MBI), and GAP (Guaranteed Auto Protection).  Not to exceed 125% of MSRP/Blue Book plus GAP (A & B borrowers).  All others subject to review.  Representative Example:  For a $20,000 loan with a 48-month repayment term at 2.69% APR* funded with a first payment due date set at 75 days from the origination date, the payment would be $441.42 for 47 months, with a final payment of $441.08.  Relationship Pricing:  Enjoy a 0.50% rate reduction when you have an active CACCU Checking Account and sign up for Automatic Loan Payment.

 

Approximate Term Limit Annual Percentage Rate (APR) As Low As...
Up to 48 Months   2.69%
Up to 60 months $10,000 or Over 2.89%
Up to 72 Months $15,000 or Over 2.99%
Up to 84 Months $25,000 or Over 3.19%

*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).  Relationship Pricing:  Enjoy a 0.50% rate reduction when you have an active CACCU Checking Account and sign up for Automatic Loan Payment.

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).  Relationship Pricing:  Enjoy a 0.50% 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 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 0.50% 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 90% Purchase Price 7.75%
Up to 60 Months - USED 90% Purchase Price 8.75%

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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