Jump To Loan Rates
APY stands for Annual Percentage Yield
APR stands for Annual Percentage Rate
Deposit Rates in effect 12/13/2024
| Deposit Type/Term |
Minimum |
APY |
| Regular Share |
$5.00 |
0.05% |
| Club Accounts |
$5.00 |
0.05% |
| Share Draft (Checking) |
$0 |
0.00% |
| Money Fund Balance |
$500 to $2,499.99 |
0.10% |
| Money Fund Balance |
$2500 to $24,999.99 |
0.35% |
| Money Fund Balance |
$25,000 to $49,999.99 |
0.40% |
| Money Fund Balance |
$50,000 to $74,999.99 |
0.45% |
| Money Fund Balance |
$75,000 to $99,999.99 |
0.50% |
| Money Fund Balance |
$100,000 & UP |
0.70% |
Share Certificates**
| Deposit Type/Term |
Minimum |
APY |
| 7 Month Share Certificate Special |
$500 |
4.35% |
| 9 Month Share Certificate Special |
$500 |
4.20% |
| 11 Month Share Certificate Special |
$500 |
4.05% |
| 6 Month Share Certificate |
$500 |
4.20% |
| 12 Month Share Certificate |
$500 |
3.95% |
| 18 Month Share Certificate |
$500 |
3.85% |
| 24 Month Share Certificate |
$500 |
3.60% |
| 36 Month Share Certificate |
$500 |
3.40% |
| 60 Month Share Certificate |
$500 |
3.45% |
1Available for a limited time only.
Jumbo Share Certificates**
| Deposit Type/Term |
Minimum |
APY |
| 12 Month Jumbo Share Certificate |
$100,000 |
4.05% |
| 18 Month Jumbo Share Certificate |
$100,000 |
3.95% |
| 24 Month Jumbo Share Certificate |
$100,000 |
3.70% |
| 36 Month Jumbo Share Certificate |
$100,000 |
3.50% |
| 60 Month Jumbo Share Certificate |
$100,000 |
3.55% |
Individual Retirement Accounts (IRAs)**
| Deposit Type/Term |
Minimum |
APY |
| 7 Month IRA Certificate Special |
$500 |
4.35% |
| 9 Month IRA Certificate Special |
$500 |
4.20% |
| 11 Month IRA Certificate Special |
$500 |
4.05% |
| IRA Accumulation Account |
$25 |
0.05% |
| Money Market IRA |
$4,000 |
0.10% |
| 6 Month IRA Certificate |
$500 |
4.20% |
| 12 Month IRA Certificate |
$500 |
3.95% |
| 18 Month IRA Certificate |
$500 |
3.85% |
| 24 Month IRA Certificate |
$500 |
3.60% |
| 36 Month IRA Certificate |
$500 |
3.40% |
| 60 Month IRA Certificate |
$500 |
3.45% |
Jumbo IRA Certificates**
| Deposit Type/Term |
Minimum |
APY |
| 12 Month Jumbo IRA Certificate |
$100,000 |
4.05% |
| 18 Month Jumbo IRA Certificate |
$100,000 |
3.95% |
| 24 Month Jumbo IRA Certificate |
$100,000 |
3.70% |
| 36 Month Jumbo IRA Certificate |
$100,000 |
3.50% |
| 60 Month Jumbo IRA Certificate |
$100,000 |
3.55% |
**Penalty for early withdraw may apply
Loan Rates in effect 11/11/2024
Mortgage Loans
For mortgage information please see one of our loan officers
Home Equity Line of Credit
Variable rate adjusted quarterly based on Wall Street Journal prime rate.
APR As Low As 7.50%
Home Equity Loans (1st & 2nd Lien Positions)
| LOAN TYPE / TERM |
APR AS LOW AS: |
| Up to 20 years to repay |
Speak with one of our experienced loan officers |
90% LTV loans available for a 1% rate increase for 1st lien home equity loans only.
New Vehicle Loans (2025-2024) †
| LOAN TYPE / TERM |
APR AS LOW AS: |
| 3 Years |
5.74% |
| 4 Years |
5.99% |
| 5 Years |
6.24% |
| 6 Years |
6.69% |
| 7 Years |
7.49% |
Used Vehicle Loans †
| LOAN TYPE / TERM |
APR AS LOW AS: |
| Up to 6 Years (2022 & 2023) |
6.79% |
| Up to 5 Years (2020 & 2021) |
6.59% |
| Up to 4 Years (2019 & older) |
6.59% |
New & Used Recreational Vehicle Loans †
| LOAN TYPE / TERM |
APR AS LOW AS: |
| 6 Years |
8.49% |
| 10 Years |
8.75% |
| 12 Years |
9.00% |
Motorcycle Loans †
| LOAN TYPE / TERM |
APR AS LOW AS: |
| Up to 6 Years (2024 & 2025) |
8.50% |
| Up to 5 Years (2023 & older) |
9.25% |
Personal Loans †
| LOAN TYPE / TERM |
APR AS LOW AS: |
| 2 Years |
7.25% |
| 3 Years |
7.50% |
| 4 Years |
8.00% |
| 5 Years |
8.50% |
| 6 Years |
9.00% |
| 7 Years |
9.50% |
† Loan rates listed above are discounted 0.25% for CHFCU checking account holders with direct deposit and auto pay and an additional 0.25% discount for 80% LTV or less for collateralized vehicles.
Individual applicant’s rates will be adjusted based on loan term, collateral value and credit history. See a loan officer for details.
Note: Rates listed below are not impacted by checking account or direct pay
Mastercard Credit Card
Rate as low as 8.50%
MasterCard Platinum Application and Solicitation Disclosure >>
Share Secured Loans (Effective 5-01-2016)
| LOAN TYPE / TERM |
APR AS LOW AS: |
| 1 Years |
2.55% |
| 2 Years |
2.55% |
| 3 Years |
3.05% |
| 4 Years |
3.05% |
| 5 Years |
3.55% |
| 6 Years |
3.55% |
Money Fund Secured (Effective 9-1-2022)
| Term |
Tier 0 |
Tier 1 |
Tier 2 |
| 1 & 2 Years |
2.60% |
2.85% |
2.90% |
| 3 & 4 Years |
3.10% |
3.35% |
3.40% |
| 5 & 6 Years |
3.60% |
3.85% |
3.90% |
| Term |
Tier 3 |
Tier 4 |
Tier 5 |
| 1 & 2 Years |
2.95% |
3.00% |
3.20% |
| 3 & 4 Years |
3.45% |
3.50% |
3.70% |
| 5 & 6 Years |
3.95% |
4.00% |
4.20% |
Certificate Secured Loans
Up to 5 Years: Certificate APY plus 2.50%
Stock Secured Loans
Up to 5 Years: Up to 50% of Value: Prime plus 3.00%
(Refer to Credit Manager for details)
