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Savings Rates
 
Savings Type
Min Balance to Earn APY
Annual Percentage Yield
Dividend Rate
Share (Savings)
$50 and Up
0.25%
0.25%
Holiday, Summer & Fun Share
$50 and Up
0.25%
0.25%
IRA Savings Account
No Minimum
1.01%
1.00%
IRA Certificates
$1,000 and Up
Same as Certificates
Same as Certificates
Health Savings Accounts
$50 and up
1.01%
1.00%
 
Insured Money Market
$50 - $999
0.25%
0.25%
Insured Money Market
$1,000 - $9,999
0.25%
0.25%
Insured Money Market
$10,000 - $24,999
0.65%
0.65%
Insured Money Market
$25,000 - $49,999
1.01%
1.00%
Insured Money Market
$50,000 - $99,999
1.16%
1.15%
Insured Money Market
$100,000 - $999,999
1.31%
1.30%
Insured Money Market
$1,000,000 +
1.51%
1.50%
 
3-5 Month Certificate*
$1,000
0.50%
0.50%
6-11 Month Certificate*
$1,000
1.00%
1.00%
12-23 Month Certificate*
$1,000
1.31%
1.30%
24-29 Month Certificate*
$1,000
1.51%
1.50%
30-35 Month Certificate*
$1,000
1.56%
1.55%
36-47 Month Certificate*
$1,000
1.86%
1.85%
48-59 Month Certificate*
$1,000
2.32%
2.30%
60-Month Certificate*
$1,000
2.43%
2.40%
6 month Savings Builder Share Certificate**
$5 and up
1.00%
1.00%
Earth Day Share Certificate
$5 and up
1.31%
1.30%
 
   

APYs are accurate as of November 20, 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
0.25%
0.25%
Insured Money Market
$1,000 - $9,999
0.25%
0.25%
Insured Money Market
$10,000 - $24,999
0.65%
0.65%
Insured Money Market
$25,000 - $49,999
1.01%
1.00%
Insured Money Market
$50,000 - $99,999
1.16%
1.15%
Insured Money Market
$100,000 - $999,999
1.31%
1.30%
Insured Money Market
$1,000,000 +
1.51%
1.50%
 
 
   
APYs are accurate as of November 20, 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.
 
Home Loan Rates
 
Loan Type
Interest Rate
APR
Points
10 Year Fixed Rate*
4.250%
4.331%
0.000
15 Year Fixed Rate*
4.375%
4.432%
0.000
 
4.250%
4.457%
1.000
20 Year Fixed Rate*
4.750%
4.795%
0.000
 
4.625%
4.789%
1.000
30 Year Fixed Rate
4.875%
4.908%
0.000
 
4.750%
4.871%
1.000
3 Year Adjustable Rate*
4.875%
3.548%
0.000
 
4.250%
3.488%
1.000
5 Year Adjustable Rate*
5.000%
3.828%
0.000
 
4.375%
3.682%
1.000
7 Year Adjustable Rate*
5.250%
4.178%
0.000
 
4.625%
3.953%
1.000
10 Year Adjustable Rate*
5.500%
4.669%
0.000
 
5.000%
4.427%
1.000
HLPR 30-Year Fixed Rate Purchase
4.625%
4.658%
0.000
HLPR 3/1 ARM**
4.000%
3.349%
N/A
Undeveloped Land (Lot Loan)
8.250%
8.396%
N/A
         
Home Equity Loans
Home Equity Line of Credit (HELOC) Interest Rate: as low as 4.000% APR: 4.000%
Second Mortgages Based on Loan-to-value & credit
   
Loan Type
Maximum Term
Rates as low as
APR as low as
  
Second Mortgage
60 Months
4.000%
4.000%
  
Second Mortgage
120 Months
6.750%
6.750%
  
Second Mortgage
180 Months
7.500%
7.500%
  
 
Rates are current as of November 20, 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 Rate + 3% Apply Now
Share Loan 72 Months Share Rate + 4% Apply Now
Share Loan 120 Months Share Rate + 5% Apply Now
Certificate Loan Certificate Term Certificate Rate + 3% Apply Now
     
Rates are current as of November 20, 2009, 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 Variable APR*
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 November 20, 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)
 
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