Savings Rates

Savings Type Min Balance to Earn APY Annual Percentage Yield Dividend Rate
Share (Savings) $50 and Up 0.50% 0.50%
Holiday, Summer and Fun Share $50 and Up 0.50% 0.50%
IRA Savings Account No Minimum 1.51% 1.50%
IRA Certificates $1,000 and Up Same as Certificates Same as Certificates
Health Savings Accounts $50 and up 2.03% 2.00%
- - -
Insured Money Market $50 - $999 0.50% 0.50%
Insured Money Market $1,000 - $9,999 0.65% 0.65%
Insured Money Market $10,000 - $24,999 0.90% 0.90%
Insured Money Market $25,000 - $49,999 1.26% 1.25%
Insured Money Market $50,000 - $99,999 1.41% 1.40%
Insured Money Market $100,000 - $999,999 1.51% 1.50%
Insured Money Market $1,000,000 + 1.82% 1.80%
- - -
3-5 Month Certificate* $1,000 0.85% 0.85%
6-11 Month Certificate* $1,000 1.51% 1.50%
12-23 Month Certificate* $1,000 1.76% 1.75%
24-29 Month Certificate* $1,000 1.92% 1.90%
30-35 Month Certificate* $1,000 1.82% 1.80%
36-47 Month Certificate* $1,000 1.82% 1.80%
48-59 Month Certificate* $1,000 2.12% 2.10%
60-Month Certificate* $1,000 2.17% 2.15%
6 month Savings Builder Share Certificate** $5 and up 1.76% 1.75%
Earth Day Share Certificate $5 and up 1.26% 1.25%

APYs are accurate as of August 12, 2009.

Dividends are calculated on a simple interest, day of deposit to day of withdrawal basis. Fees or conditions could reduce earnings. All savings rates are subject to change without notice.
 
*Penalties may be imposed for early withdrawal.
**Savings Builder Share Certificate available with all Youth Savings Accounts and Community Share Accounts only.

Business Rates

Savings Type Min Balance to Earn APY Annual Percentage Yield Dividend Rate
Business Checking $25,000.00 0.50% 0.50%
Business Checking Plus $25,000.00 0.50% 0.50%
Business Non-Profit Checking $25,000.00 0.50% 0.50%
- -
Business Share Savings $50.00 and Up 0.50% 0.50%
- -
Insured Money Market $50 - $999 0.50% 0.50%
Insured Money Market $1,000 - $9,999 0.65% 0.65%
Insured Money Market $10,000 - $24,999 0.90% 0.90%
Insured Money Market $25,000 - $49,999 1.26% 1.25%
Insured Money Market $50,000 - $99,999 1.41% 1.40%
Insured Money Market 100,000 - $999,999 1.51% 1.50%
Insured Money Market $1,000,000 + 1.82% 1.80%

APYs are accurate as of August 12, 2009.Dividends are calculated on a simple interest, day of deposit to day of withdrawal basis. Fees or conditions could reduce earnings. All savings rates are subject to change without notice.

Business Rates
Savings Type Min Balance to Earn APY Annual Percentage Yield Dividend Rate
Business Checking $25,000.00 0.50% 0.50%
Business Checking Plus $25,000.00 0.50% 0.50%
Business Non-Profit Checking $25,000.00 0.50% 0.50%
- -
Business Share Savings $50.00 and Up 0.50% 0.50%
- -
Insured Money Market $50 - $999 0.50% 0.50%
Insured Money Market $1,000 - $9,999 0.65% 0.65%
Insured Money Market $10,000 - $24,999 0.90% 0.90%
Insured Money Market $25,000 - $49,999 1.26% 1.25%
Insured Money Market $50,000 - $99,999 1.41% 1.40%
Insured Money Market 100,000 - $999,999 1.51% 1.50%
Insured Money Market $1,000,000 + 1.82% 1.80%

busapys are accubusrate as of May 29, 2009 . Dividends are calculated on a simple interest, day of deposit to day of withdrawal basis. Fees or conditions could reduce earnings. All savings busrates are subject to change without notice.

Home Loan Rates

Loan Type Interest Rate APR Points
10 Year Fixed Rate* 4.500% 4.581% 0.000 Apply Now Get A Quote
15 Year Fixed Rate* 4.625% 4.681% 0.000 Apply Now Get A Quote
15 Year Fixed Rate* 4.375% 4.582% 1.000 Apply Now Get A Quote
20 Year Fixed Rate* 5.375% 5.421% 0.000 Apply Now Get A Quote
20 Year Fixed Rate* 5.125% 5.292% 1.000 Apply Now Get A Quote
30 Year Fixed Rate* 5.500% 5.534% 0.000 Apply Now Get A Quote
30 Year Fixed Rate* 5.250% 5.374% 1.000 Apply Now Get A Quote
3 Year Adjustable Rate* 5.500% 3.809% 0.000 Apply Now Get A Quote
3 Year Adjustable Rate* 4.875% 3.730% 1.000 Apply Now Get A Quote
5 Year Adjustable Rate* 5.625% 4.169% 0.000 Apply Now Get A Quote
5 Year Adjustable Rate* 5.000% 3.996% 1.000 Apply Now Get A Quote
7 Year Adjustable Rate* 5.875% 4.563% 0.000 Apply Now Get A Quote
7 Year Adjustable Rate* 5.375% 4.397% 1.000 Apply Now Get A Quote
10 Year Adjustable Rate* 6.125% 5.140% 0.000 Apply Now Get A Quote
10 Year Adjustable Rate* 5.625% 4.893% 1.000 Apply Now Get A Quote
HLPR 30-Year Fixed Rate Purchase 5.000% 5.033% 0.000 Apply Now Get A Quote
HLPR 3/1 ARM** 4.000% 3.447% N/A Apply Now Get A Quote
Undeveloped Land (Lot Loan) 8.250 8.396 N/A Apply Now Get A Quote

Home Equity Loans Interest Rate APR
Home Equity Line of Credit (HELOC) as low as 4.000% 4.000%
Second Mortgage Based on Loan-to-value and credit

Loan Type Maximum Term Rates as low as APR as low as
Second Mortgage 60 Months 4.000% 4.068%
Second Mortgage 120 Months 5.000% 5.045%
Second Mortgage 180 Months 5.250% 5.283%

Rates are current as of August 11, 2009.

You must pay certain fees to third parties to open the plan. These fees generally total between $100.00 and $2,500.00. The maximum APR that can apply is 18% or the maximum permitted by law, whichever is less. This plan has a variable rate feature and the Annual Percentage Rate (corresponding to the periodic rate) and the minimum payment may change as a result.
*CFE underwrites mortgages to secondary market standards. Secondary market guidelines may require adjustments to interest rate, points paid or amount of down payment. Your rate, points and closing costs may vary based upon loan features, geography and/or other terms and conditions. Additional adjustments may be applicable based upon credit history, property value, mortgage product, property type or other factors. The interest rate and fees shown here are available to borrowers with an excellent credit history. Rates, points and closing costs are subject to change without notice.
** The loan is amortized over a 30 year term. The interest rate can change and the payment may increase or decrease accordingly.

Loan Rates

Loan Type Maximum Term APR as low as
New Auto 72 Months 5.90% Apply Now
Used Auto 72 Months 6.40% Apply Now
New Motorcycle 72 Months 7.00% Apply Now
Used Motorcycle 72 Months 7.50% Apply Now
New RV 180 Months 8.00% Apply Now
Used RV 180 Months 8.25% Apply Now
New Boat 180 Months 7.00% Apply Now
Used Boat 180 Months 7.50% Apply Now
Personal Line of Credit Revolving 10.50% Apply Now
Signature Loan 60 Months 11.00% Apply Now
Share Loan 36 Months Share loan + 3% Apply Now
Share Loan 72 Months Share loan + 4% Apply Now
Share Loan 120 Months Share loan + 5% Apply Now
Certificate Loan Certificate Term Certificate loan + 3% Apply Now

Rates are current as of August 7, 2009

All loan rates are subject to change without notice. All loan rates are based on an Annual Percentage Rate (APR). Monthly CFE loans are calculated using the Simple Interest Method. Interest is paid on the monthly unpaid balance. All loans are subject to qualification of the borrower. Monthly payment amount based upon maximum term. A loan processing fee will be charged on all loans except real estate, share, certificate and line of credit loans. The fee is 2% of the loan amount issued with a minimum fee of $10 and a maximum fee of $35. This loan processing fee will affect the APR shown.

Credit Cards

Credit Card Type Maximum Loan Term APR as low as
Platinum $25,000 ** Revolving 10.00% - 18.00% Apply Now
Platinum Rewards $25,000 ** Revolving 11.50% - 18.00% Apply Now
Platinum Cash $25,000 ** Revolving 11.50% - 18.00% Apply Now

*Annual Percentage Rates (APR). Your APR will vary. Rates are current as of  August 7, 2009. All credit card rates are subject to change without notice.  The rate you receive will be based on your credit history.  All loans are subject to qualification of the borrower.  APR for purchases and balance transfers range from 10.00% - 18.00%. The rate for purchases, cash advances and balance transfers is based on the U.S. Prime Rate (Wall Street Journal Index). The Wall Street Journal Index is published in the Money Rates table of the Wall Street Journal on the 15th of each month or the next business day if not published on the 15th.  The minimum APR will not go below 10.00% and the maximum APR will not exceed 18.00%. The Penalty APR will be applied to your account if you are 60 days past due and will apply until you make six consecutive minimum payments when due.
**Total aggregate unsecured debt with CFE cannot exceed $25,000.

To view the Credit Card Disclosure please click here. (pdf)

Credit Card Rates
Credit Card Type Maximum Loan Term APR as low as Apply
Platinum $25,000 (1) Revolving 9.40% Apply Now
Platinum Rewards $25,000 (1) Revolving 10.40% Apply Now
Platinum Cash $25,000 (1) Revolving 10.40% Apply Now

credits are current as of May 29, 2009 . All credit card rates are subject to change without notice. All loans are subject to qualification of the borrower. (1)Total aggregate unsecured debt with CFE cannot exceed $25,000. To view the Credit Card Disclosure please click here (pdf file)

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