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California Community Credit Union
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Rates

Savings & Checking Accounts

Account NameRate TypeMinimum To Earn DividendsDividend RateAnnual Percentage Yield
Regular SavingsVariable $500.000.03%0.03%
Junior SaverVariable$25.000.03%0.03%
Santa’s HelperVariable$500.000.03%0.03%
Other SavingsVariable$500.000.03%0.03%
IRA SavingsVariable$500.000.03%0.03%
CheckingVariable$500.000.01%0.01%


Money Market Accounts

Account BalanceRate TypeDividend RateAnnual Percentage Yield
$0.01 - $9,999.99Variable0.050%0.050%
$10,000.00 - $24,999.99Variable0.080%0.080%
$25,000.00 - $49,999.99Variable0.100%0.100%
$50,000.00 - $99,999.99Variable0.150%0.150%
>$100,000.00Variable0.180%0.180%


Term Account Dividend Rates

Account TermRate TypeMinimum To Earn DividendsDividend RateAnnual Percentage YieldAPY w/ Cking & eStmt
3 MonthFixed$1000.000.025%0.025%0.150%
6 MonthFixed$1000.000.025%0.025%0.150%
12 MonthsFixed$1000.000.075%0.075%0.200%
18 MonthsFixed$1000.000.125%0.125%0.250%
24 MonthsFixed$1000.000.175%0.175%0.300%
36 MonthsFixed$1000.000.275%0.275%0.400%
48 MonthsFixed$1000.000.624%0.625%0.750%
60 MonthsFixed$1000.000.922%0.925%1.050%


Junior Saver Certificate Rates

Account TermRate TypeMinimum To Earn DividendsDividend RateAnnual Percentage YieldAPY w/ Cking & eStmt
12 MonthFixed$500.000.075%0.075%0.200%


Mini Jumbo & Jumbo Certificate Rates

Account TermRate TypeMinimum To Earn DividendsDividend RateAnnual Percentage YieldAPY w/ Cking & eStmt
6 MonthFixed$25,000.000.025%0.025%0.150%
12 MonthFixed$25,000.000.095%0.095%0.220%
18 MonthFixed$25,000.000.125%0.125%0.250%
24 MonthFixed$25,000.000.225%0.225%0.350%
36 MonthFixed$25,000.000.325%0.325%0.450%
48 MonthFixed$25,000.000.673%0.675%0.800%
60 MonthFixed$25,000.000.971%0.975%1.100%
6 MonthFixed$100,000.000.075%0.075%0.200%
12 MonthFixed$100,000.000.125%0.125%0.250%
18 MonthFixed$100,000.000.175%0.175%0.300%
24 MonthFixed$100,000.000.275%0.275%0.400%
36 MonthFixed$100,000.000.374%0.375%0.500%
48 MonthFixed$100,000.000.723%0.725%0.850%
60 MonthFixed$100,000.001.021%1.025%1.150%


Education IRA Term Accounts

Account TermRate TypeMinimum To Earn DividendsDividend RateAnnual Percentage YieldAPY with Cking & eStatement
12 MonthFixed$500.000.075%0.075%0.200%
24 MonthFixed$500.000.175%0.175%0.300%
36 MonthFixed$500.000.275%0.275%0.400%
48 MonthFixed$500.000.624%0.625%0.750%
60 MonthFixed$500.000.922%0.925%1.050%


Roth & Traditional IRA Term Accounts

Account TermRate TypeMinimum To Earn DividendsDividend RateAnnual Percentage YieldAPY w/ Cking & eStmt
3 MonthFixed1000.000.025%0.025%0.150%
6 MonthFixed$1000.000.025%0.025%0.150%
12 MonthFixed$1000.000.075%0.075%0.200%
18 MonthFixed$1000.000.125%0.125%0.250%
24 MonthFixed$1000.000.175%0.175%0.300%
36 MonthFixed$1000.000.275%0.275%0.400%
48 MonthFixed$1000.000.624%0.625%0.750%
60 MonthFixed$1000.000.922%0.925%1.050%

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

Regular Share Dividend Declaration as of 03/31/2014.

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 2006 - same 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 120% of MSRP/Blue Book plus GAP (A & B borrowers).  All others subject to review.

Approximate TermLimitAnnual Percentage Rate (APR) As Low As...
Up to 60 Months-80% LTV2.99%
Up to 60 months-90% LTV2.99%
Up to 60 Months-100% LTV2.99%
Up to 72 Months-80% LTV$15,000.01 Or Over3.99%*
Up to 72 Months-90% LTV$15,000.01 Or Over4.24%*
Up to 72 Months-100% LTV$15,001.00 Or Over4.49%*
Up to 84 Months-80% LTV$25,000.00 Or Over4.99%*
Up to 84 Months-90% LTV$25,000.00 Or Over5.24%*
Up to 84 Months-100% LTV$25,000.00 Or Over5.49%*

*Preferred Fixed Rate:  Rates quoted reflect a 0.50% discount for Automatic Payment and an active California Community Credit Union Checking  Account.  Subject to credit approval; some conditions apply.



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 TermLimitAnnual Percentage Rate (APR) As Low As...*
Up to 180 Months - NEW80% Financed5.99%
Up to 180 Months - NEW100% of Purchase Price5.99%
Up to 144 Months - USED80% Financed5.99%
Up to 144 Months - USED100% Retail Appraisal5.99%

*Preferred Fixed Rate:  Rates quoted above reflect a 0.50% discount for Automatic Payment and an active California Community Credit Union Checking  Account.



New / Used Boat

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

Approximate TermLimitAnnual Percentage Rate (APR) As Low As...*
Up to 180 Months - NEW80% Financed5.99%
Up to 180 Months - NEW100% of Purchase Price5.99%
Up to 120 Months - USED80% Financed5.99%
Up to 120 Months - USED100% Retail Appraisal5.99%

*Preferred Fixed Rate:  Rates quoted above reflect a 0.50% discount for Automatic Payment and an active California Community Credit Union Checking  Account.



New / Used Motorcyle & Misc. Secured

 Up to 80% of MSRP or Blue Book Value including tax, license and mechanical repair coverage (MRC)

Approximate TermLimitAnnual Percentage Rate (APR) As Low As...*
Up to 72 Months - NEW90% Purchase Price7.75%
Up to 60 Months - USED90% Purchase Price8.75%

*Preferred Fixed Rate:  Rates quoted above reflect a 0.50% discount for Automatic Payment and an active California Community Credit Union Checking  Account.



Share Secured / Certificate Secured

Approximate TermLimitAnnual Percentage Rate (APR)
Up to 60 MonthsUp to Balance of Regular Share Account4.99%
Up to 120 MonthsUp to 90% of Certificate Balance2.50% (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%. 



Signature / Promotional / Line of Credit / Overdraft

Approximate TermLimitAnnual Percentage Rate (APR) As Low As...
Signature / Line of CreditMinimum $500 - Maximum $15,00013.00%
Fast CashOverdraft LOC - $500 maximum18.00%

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