Savings Rates

APY stands for Annual Percentage Yield
APR stands for Annual Percentage Rate

Deposit Rates in effect July 1, 2017

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 – Tier 1 $500 to $2,499.99 0.05%
Money Fund – Tier 2 $2500 to $24,999.99 0.10%
Money Fund – Tier 3 $25,000 to $49,999.99 0.25%
Money Fund – Tier 4 $50,000 to $74,999.99 0.25%
Money Fund – Tier 5 $75,000 to $99,999.99 0.30%
Money Fund – Tier 6 $100,000 & UP 0.30%

Share Certificates**

Deposit Type/Term Minimum APY
6 Month Share Certificate $500 0.40%
12 Month Share Certificate $500 0.70%
18 Month Share Certificate $500 1.25%
36 Month Share Certificate $500 1.60%
60 Month Share Certificate $500 2.00%

Jumbo Share Certificates**

Deposit Type/Term Minimum APY
18 Month Jumbo Share Certificate $50,000 0.70%
36 Month Jumbo Share Certificate $50,000 1.60%
60 Month Jumbo Share Certificate $50,000 2.00%

Individual Retirement Accounts (IRAs)**

Deposit Type/Term Minimum APY
IRA Accumulation Account $25 0.10%
Money Market IRA $4,000 0.15%
6 Month IRA Certificate $500 0.40%
12 Month IRA Certificate $500 0.70%
18 Month IRA Certificate $500 0.85%
36 Month IRA Certificate $500 1.60%
60 Month IRA Certificate $500 2.00%

Jumbo IRA Certificates**

Deposit Type/Term Minimum APY
12 Month Jumbo IRA Certificate $50,000 0.70%
18 Month Jumbo IRA Certificate $50,000 0.85%
36 Month Jumbo IRA Certificate $50,000 1.60%
60 Month Jumbo IRA Certificate $50,000 2.00%


**Penalty for early withdraw may apply

Loan Rates in effect August 14, 2017

Mortgage Loans

For mortgage information please see one of our loan officers

CHequity (Home Equity Line of Credit)

Variable rate adjusted quarterly based on Wall Street Journal prime rate.
APR As Low As 4.00%

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

New Vehicle Loans (2017-2018) †

LOAN TYPE / TERM APR AS LOW AS:
2 Years 2.49%
3 Years 2.59%
4 Years 2.69%
5 Years 2.99%
6 Years 3.39%

Used Vehicle Loans †

LOAN TYPE / TERM APR AS LOW AS:
Up to 5 Years (2015 & 2016) 3.09%
Up to 4 Years (2013 & 2014) 3.99%
Older Vehicles (2012 & older) 4.39%

New & Used Recreational Vehicle Loans †

LOAN TYPE / TERM APR AS LOW AS:
6 Years 5.84%
10 Years 6.14%
12 Years 6.54%

Motorcycle Loans †

LOAN TYPE / TERM APR AS LOW AS:
Up to 6 Years (2017 & 2018) 6.34%
Up to 5 Years (2016 & older) 7.34%

Unsecured Loans †

LOAN TYPE / TERM APR AS LOW AS:
2 Years 6.50%
3 Years 6.75%
4 Years 7.25%
5 Years 7.75%

† 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 05-01-16)

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 8-14-17)

Term Tier I Tier 2 Tier 3
1 & 2 Years 2.55% 2.60% 2.75%
3 & 4 Years 3.05% 3.10% 3.25%
5 & 6 Years 3.55% 3.60% 3.75%
Term Tier 4 Tier 5 Tier 6
1 & 2 Years 2.75% 2.80% 2.80%
3 & 4 Years 3.25% 3.30% 3.30%
5 & 6 Years 3.75% 3.80% 3.80%

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)