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Community Alliance Credit Union Current Rates

rates

Current Rates

Loan Rates

Savings Rates

Rates and Terms are subject to change at any time. Please contact the Credit Union to verify the current rates and terms offered on all share and loan products.

Loan Rates
Effective Date: Saturday, June 24th, 2017
Loan TypeTermAPR (1)Minimum
Motorcycle, New & Used Vehicles Up to 72 months 1.74%  
  If you enroll in automatic payment from an Interest Checking account your rate may be as low as 1.74% APR.  If you enroll in automatic payment from a Regular Checking account your rate may be as low as 1.99% APR.  If you do not enroll in automatic payment your rate may be as low as 2.24% APR.
New & Used Vehicles  Up to 84 months 3.24% $25,000
Home Equity (LOC) Introductory (2) Up to 9 months 2.99%  
Home Equity Closed End - 80% LTV 10 Years 4.00% $10,000
Home Equity Closed End - 100% LTV 15 Years 4.50% $10,000
Home Equity Closed End 80% CLTV 20 Years 5.0% $10,000
Home Equity - LTV 80% (2) Line of Credit 3.75% $10,000
Share / Certificate Pledged Up to 60 months 3.49%  
Personal Loans - Special Up to 60 months 8.00%  
  Maximum amount of unsecured credit may not exceed $25,000 per member.
"Anytime Cash" Overdraft Protection Line of Credit 12.75%  
  This is an unsecured loan with a variable rate that is subject to change on a monthly basis. The maximum rate is 18.00%. Credit limits are available up to $15,000.00.
Educational Loans Up to 60 months 6.25%  
  Rate displayed is for Educational loans set up with direct deposit. Rate is higher for educational loans set up with conventional payments.
Recreational Vehicles (all years) (3) Up to 60 months 4.99%  
Recreational Vehicles (all years) (3) Up to 84 months 5.24%  
Recreational Vehicles (all years) (3) Up to 120 months 5.49%  
Recreational Vehicles (all years) (3) Up to 180 months 5.99% $25,000

Loan Notes:

(1) APR = Annual Percentage Rate. The rates and terms offered on each loan type depend on your credit history, income, collateral and the information provided on your loan application.

(2) Home Equity Line of Credit has a variable rate that is subject to change on a quarterly basis.

(3) Recreational Vehicles include: Boats, Personal Watercraft, Motor Homes, Travel Trailers, Pop-up Campers, Motorcycles, All-Terrain Vehicles, Snowmobiles and Enclosed Trailers. NADA appraised value guidelines will be used to determine values.

 Most fixed rate products are eligible for a .25% discount with automatic transfer payment from a Regular Checking and a .50% discount from an Interest Checking.  Discounts cannot be combined with any "Special" rates.

 


Credit Card Rates
Effective Date: Saturday, June 24th, 2017
Card TypeAPRRewards
VISA Platinum Preferred Premium (1) 8.74% Travel, Gifts (Preview Rewards)
VISA Platinum Preferred (1) 12.74% Travel, Gifts (Preview Rewards)
VISA Platinum (1) 18.74% Travel, Gifts (Preview Rewards)
(1) Variable Rate: The rate is determined monthly by adding 4.74% to Prime (4.00% as of May 2017) for a Platinum Preferred Premium, 8.74% to Prime for a Platinum Preferred, and 14.74% to Prime for a Platinum. The Prime rate used to determine your APR is the Prime Rate published in the Wall Street Journal on the first business day following the 20th of the calendar month.
0% introductory APR for the first 6 billing cycles from account opening on balance transfers. This introductory rate is subject to change if any payment is received after the due date, you make a payment that is not honored by your financial institution or you close your account. This introductory rate does not apply to purchases or cash advances. 

Savings Rates
Effective Date: Saturday, June 24th, 2017
Share TypeMinimumDividend RateAPY*Compounded
Savings (1)
(share 01-share 25)
$5.00** 0.05% 0.05% Quarterly
Money Market
(share 85)
$2,500 0.15% 0.15% Monthly
Premium Money Market
(share 86)
$25,000-$49,999 0.20% 0.20% Monthly
Premium Money Market
(share 86)
$50,000-$99,999 0.35% 0.35% Monthly
Premium Money Market (share 86) $100,000 and over 0.49% 0.50% Monthly
IRA Share (1)
(share 70)
$5.00 0.05% 0.05% Quarterly
IRA Roth / Educational
(share 75-77)
$5.00 0.10% 0.10% Quarterly
Holiday Savings
(Share 99)
$5.00 0.05% 0.05% Quarterly
Interest Checking $5.00 - $2,499 0.05% 0.05% Monthly
  $2,500 - $14,999 0.05% 0.05% Monthly
  $15,000 0.10% 0.10% Monthly
Business Interest Checking Less than $3,500 No Interest Paid    
  $3,500 - $9,999 0.10% 0.10% Monthly
  $10,000 0.20% 0.20% Monthly
(*) APY (annual percentage yield) means a percentage rate reflecting the total amount of dividends or interest paid on an account, based on the dividend or interest rate and the frequency of compounding for a 365 day period. Fees may reduce earnings. Minimum balance may be required on some accounts to earn dividends. Rates may change after account is open.
**The primary share account (share 01) must maintain a minimum balance of $5.00.
(1) Dividend shown is for the previous quarter. Community Alliance Credit Union's Board of Directors determines the dividend rate paid on share accounts each calendar quarter based on the earnings of the Credit Union. These dividends are calculated based on the daily balance and paid on the first day of the following quarter.

Certificate of Deposit Rates
Effective Date: Saturday, June 24th, 2017
Certificate TypeMinimumRateAPY*Compounded
6 Month
(Regular & IRA)
$500 0.25% 0.25% Anniversary
1 Year
(Regular & IRA)
$500 0.50% 0.50% Monthly
1 Year - Save to Win-Special (Regular) $25 0.50% 0.50% Monthly
13 Month Special $500 1.12% 1.13% Monthly
Must be new money.  A penalty is imposed for early withdrawals. Converts to a 12 month certificate at maturity.  Offer may be revoked at any time.  Call for maximum amount.
18 Month 
(Regular & IRA)
$500 0.65% 0.65% Monthly
2 Year
(Regular & IRA)
$500 0.80% 0.80% Monthly
25 Month Special $500 1.24% 1.25% Monthly
Must be new money.  A penalty is imposed for early withdrawals. Converts to a 24 month certificate at maturity. Offer may be revoked at any time.  Call for maximum amount.
3 Year
(Regular & IRA)
$500 1.00% 1.00% Monthly
5 Year
(Regular & IRA)
$500 1.49% 1.50% Monthly
With an Interest Checking account you are eligible to receive a .50% rate bonus on any regularly priced certificates.   This offer may not be combined with any other promotion or special CD's.
A penalty is imposed for early withdrawals on Certificates of Deposit. Fees may reduce earnings.
Penalty Calculation: Withdrawal amount - (Interest Earned from opening date - Interest withdrawn from opening date) *180* (Interest Rate/365)

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