Rates

Deposits

Rates are effective April 15, 2015, and are subject to change.

Savings Accounts

(Rates are subject to change daily)

Savings Accounts »

Type Min. to Earn APY Dividend Rate APY*
Tier 1 $5 .15% .15%
Tier 2 $1,000 .15% .15%
Tier 3 $10,000 .15% .15%
Minimum to open — $5.

Holiday Saver Account »

Type Min. to Earn APY Dividend Rate APY*
Tier 1 $0.01 .15% .15%
Tier 2 $1,000 .15% .15%
Tier 3 $10,000 .15% .15%
Minimum to open — $5.

My Use Account »

Type Min. to Earn APY Dividend Rate APY*
Tier 1 $0.01 .15% .15%
Tier 2 $1,000 .15% .15%
Tier 3 $10,000 .15% .15%
Minimum to open — $5.

Roth, Traditional, and Education IRA Daily Account »

Dividend Rate APY*
.15% .15%
Minimum to open — $5.

*APY is Annual Percentage Yield. Rate may change after the account is opened.
*Fees could reduce earnings on the account.


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Checking Accounts

(Rates are subject to change daily)

Dividend Checking »

Type Min. to Earn APY Dividend Rate APY*
Tier 1 $2,500 .10% .10%
Tier 2 $5,000 .10% .10%
Tier 3 $10,000 .10% .10%
Minimum to open — $2,500.  Balance required to avoid a fee — $2,500.

Insured Money Market Account (IMMA) »

Type Min. to Earn APY Dividend Rate APY*
Tier 1 $2,500 .20% .20%
Tier 2 $25,000 .20% .20%
Tier 3 $50,000 .25% .25%
Tier 4 $100,000 .25% .25%
Minimum to open — $2,500.  Balance required to avoid a fee — $2,500.

*APY is Annual Percentage Yield. Rate may change after the account is opened.
*Fees could reduce earnings on the account.


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Certificate Accounts

(Rates are subject to change daily, dividends are compounded and credited monthly, and the dividend period is monthly.)

My Save Certificate Accounts »

Type Dividend Rate APY*
1 Year .35% .35%
Minimum to open — $5. Maximum deposit — $1,000.

Certificate Accounts »

Type Dividend Rate APY*
3 Month .20% .20%
6 Month .25% .25%
1 Year .35% .35%
18 Month .55% .55%
2 Year .85% .85%
3 Year 1.24% 1.25%
4 Year 1.59% 1.60%
5 Year 1.88% 1.90%
Minimum to open — $1,000.

Jumbo Certificate Accounts »

Type Dividend Rate APY*
3 Month .25% .25%
6 Month .30% .30%
1 Year .40% .40%
18 Month .60% .60%
2 Year .90% .90%
3 Year 1.29% 1.30%
4 Year 1.64% 1.65%
5 Year 1.93% 1.95%
Minimum to open — $100,000.

Traditional & Roth Individual Retirement Accounts (IRAs) and Coverdell Education Savings Accounts (ESAs) »

Type Dividend Rate APY*
1 Year .35% .35%
2 Year .85% .85%
3 Year 1.24% 1.25%
4 Year 1.59% 1.60%
5 Year 1.88% 1.90%
Minimum to open — $500.

Jumbo IRA Certificate Accounts »

Type Dividend Rate APY*
1 Year .40% .40%
2 Year .90% .90%
3 Year 1.29% 1.30%
4 Year 1.64% 1.65%
5 Year 1.93% 1.95%
Minimum to open — $100,000.

For a complete rate and fee schedule, contact CEFCU.

*APY is Annual Percentage Yield.
*Penalty may be imposed for early withdrawal.

CEFCU savings are federally insured to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency. CEFCU Traditional and Roth IRAs are federally insured up to $250,000 by the NCUA. ESAs are federally insured to $250,000 by the NCUA.


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Loans

Rates are effective April 2, 2015, and are subject to change.

Standard Vehicle Rates »

Automatic Deduction Standard Term (Months) Monthly payment per $1,000
Model Year LTV* < = 100%
2015 & Newer 1.99% 66 $16.01
2012–2014 2.09% 66 $16.05
2011 2.19% 66 $16.10
2010 2.39% 60 $17.70
2009 2.79% 48 $22.04
2008 3.49% 48 $22.35
2007 & Older 5.99% 36 $30.42

Add .50% for Cash Pay Loans.
*LTV = Loan-to-Value

The rates, terms, and up to 100% financing on vehicle loans are available to well-qualified borrowers. Terms are also subject to limitation based on vehicle model year.


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Recreational Vehicle & Boat »

2014 & Newer

Dollar Amount   Automatic Deduction Cash Pay
Maximum Term APR* Monthly Payment Per $1,000 APR* Monthly Payment Per $1,000
$2,500–$10,000 6 Year 5.25% $16.22 5.75% $16.46
$10,001–$25,000 10 Year 5.25% $10.73 5.75% $10.98
$25,001–$50,000 15 Year 5.25% $8.04 5.75% $8.30
$50,001–$1,000,000 15 Year 4.99% $7.90 5.49% $8.17

2013 & Older

Dollar Amount   Automatic Deduction Cash Pay
Maximum Term APR* Monthly Payment Per $1,000 APR* Monthly Payment Per $1,000
$2,500–$10,000 6 Year 5.75% $16.46 6.25% $16.69
$10,001–$25,000 10 Year 5.75% $10.98 6.25% $11.23
$25,001–$50,000 15 Year 5.75% $8.30 6.25% $8.57
$50,001–$1,000,000 15 Year 5.75% $8.30 6.25% $8.57

*90% loan-to-value required for best rate. 100% loan-to-value rates available. Contact CEFCU for details. Rate, term, and amount financed subject to credit approval.


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Motorcycles »

2014 & Newer

Dollar Amount   Automatic Deduction Cash Pay
Maximum Term APR* Monthly Payment Per $1,000 APR* Monthly Payment Per $1,000
$2,500–$15,000 4 Year 7.99% $24.41 8.49% $24.64
$15,001–$1,000,000 5 Year 6.99% $19.80 7.49% $20.03

2013 & Older

Dollar Amount   Automatic Deduction Cash Pay
Maximum Term APR* Monthly Payment Per $1,000 APR* Monthly Payment Per $1,000
$2,500–$15,000 4 Year 8.99% $24.88 9.49% $25.12
$15,001–$1,000,000 5 Year 9.99% $21.24 10.49% $21.49

*90% loan-to-value required for best rate. 100% loan-to-value rates available. Contact CEFCU for details. Rate, term, and amount financed subject to credit approval.


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Private Student Loan »

Type APR*
Private Student Loan (Variable Rate) 4.00%

*This is a variable rate available to qualified borrowers. The annual percentage rate may vary quarterly based on the Prime Rate, published in the Wall Street Journal.


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Other Consumer »

  APR
Loan Type Automatic Deduction Cash Pay
Personal (Secured with Savings 01–36) 2.75% 3.25%
Personal (Secured with Savings 37–60) 3.00% 3.50%
Personal (Secured) 14.15% 14.65%
Personal (Unsecured)* 7.99% 8.49%
Single Payment Note (Secured with Savings) N/A 2.75%
Single Payment Note (Secured) N/A 10.25%
Single Payment Note (Unsecured) N/A 12.75%

*Rate available to well-qualified borrowers. Term varies based on principal amount borrowed. Minimum loan amount $1,000.


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Home Equity — Credit Line »

APR
4.00%* 4.25%**
Fully Indexed Rate
  • To qualify, your potential line of credit must be a minimum of $5,000, and it can be as high as 90% of the appraised value of your home (minus your first mortgage balance).
  • The annual percentage rate will not go above 18% APR.
  • You must carry insurance on the property that secures this plan.
  • Closing costs vary by state or locality; CEFCU pays closing costs up to $350 in most cases. Credit Lines not generally available for temporary financing, such as if the home is for sale or used for a bridge loan. Contact CEFCU to request more specific cost information about third-party fees.
  • Home Equity Credit Lines are available in certain geographic locations.
  • Consult a tax advisor regarding the deductibility of interest.
  • Amortization on the following amounts is as follows: $1,000 to $10,000 — five years; $10,001 to $25,000 — 10 years; $25,001 and more — 15 years.

*This initial rate will be in effect until 6/30/2015, and at the credit union's option, for a longer period of time.

**The annual percentage rate may vary quarterly. The fully indexed rate is based on the weekly average yield on U.S. Treasury Securities adjusted to a constant maturity of 1 year available to us as of 3/16/2015.


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Home Equity — Fixed-Rates »

Chart 1—Based on 80 percent Appraised Value

Term Automatic Deduction Cash Pay
APR Monthly Payment Per $1,000 APR Monthly Payment Per $1,000
5 Year 3.99% $18.41 4.49% $18.64
7 Year 4.99% $14.13 5.49% $14.37
10 Year 5.74% $10.97 6.24% $11.22
15 Year 6.24% $8.57 6.74% $8.84
  • Rates available for a limited time. Minimum loan amount is $5,000.
  • Closing costs vary by state or locality; CEFCU pays closing costs up to $350 in most cases. In some situations, such as if the property is for sale or used for a bridge loan, you may be required to pay closing costs. Credit Lines not generally available for temporary financing, such as if the home is for sale or used for a bridge loan. Contact CEFCU to request more specific cost information about third-party fees.
  • Consult a tax advisor regarding the deductibility of interest.

Chart 2 — Based on 81 to 90 percent Appraised Value

Term Automatic Deduction Cash Pay
APR Monthly Payment Per $1,000 APR Monthly Payment Per $1,000
5 Year 4.99% $18.87 5.49% $19.10
7 Year 5.99% $14.60 6.49% $14.84
10 Year 6.74% $11.48 7.24% $11.73
15 Year 7.24% $9.12 7.74% $9.41
  • Rates available for a limited time. Minimum loan amount is $5,000.
  • Closing costs vary by state or locality; CEFCU pays closing costs up to $350 in most cases. In some situations, such as if the property is for sale or used for a bridge loan, you may be required to pay closing costs. Credit Lines not generally available for temporary financing, such as if the home is for sale or used for a bridge loan. Contact CEFCU to request more specific cost information about third-party fees.
  • Consult a tax advisor regarding the deductibility of interest.

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Credit Cards


Rates are effective April 2, 2015, and are subject to change.

Card Type   APR*
CEFCU MasterCard Variable Rate 8.50%
CEFCU Rewards MasterCard Variable Rate 9.50%
CEFCU World MasterCard Variable Rate 9.50%

*Best rate available to qualified borrowers. Full details are available or contact CEFCU for more information.

Home Loan Programs

Rates are effective March 30, 2015, and are subject to change.

Assumptions

Amount: $100,000 Escrow/Impounds? Yes
Purchase Price: $125,000 Loan Purpose: Purchase
State: Illinois Property Use: Primary Residence
County: Peoria Property Type: Existing single family home
City: Peoria Lock Period: 60 Day

Fixed-Rate Mortgages »

Add 0.125% to rates if loan amount is under $100,000. Add 0.375% to rates for Construction Loans.

Type Rate APR Points Term
30 Year Fixed Rate 3.375% 3.571% 2.00 30
3.625% 3.740% 1.00 30
3.875% 3.909% .00 30
20 Year Fixed Rate 3.375% 3.650% 2.00 20
3.625% 3.786% 1.00 20
3.875% 3.922% .00 20
15 Year Fixed Rate 2.375% 2.719% 2.00 15
2.625% 2.826% 1.00 15
2.875% 2.934% .00 15
10 Year Fixed Rate 2.375% 2.878% 2.00 10
2.625% 2.919% 1.00 10
2.875% 2.960% .00 10
  • For purchase and refinance loans over $100,000, 0.125 percent has been deducted from current rates. The stated rate reflects the discount.
  • Maximum term on loans less than $25,000 is 10 years.
  • Rate and points are locked in for 60 days from the date of application.
  • Private Mortgage Insurance (PMI) is required for loans over 80% loan-to-value. Rates listed do not include PMI.

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Adjustable-Rate Mortgages »

Type Rate APR Points Term
1 Year ARM - 30 yr. 2.000% 2.879% 2.00 30
2.250% 2.820% 1.00 30
2.500% 2.762% .00 30
1 Year ARM - 15 yr. 1.750% 2.953% 2.00 15
2.000% 2.845% 1.00 15
2.250% 2.737% .00 15
3 Year ARM - 30 yr.

After 3rd year, mortgage adjusts every year

2.000% 2.773% 2.00 30
2.375% 2.777% 1.00 30
2.750% 2.782% .00 30
3 Year ARM - 15 yr.

After 3rd year, mortgage adjusts every year

1.750% 2.713% 2.00 15
2.125% 2.712% 1.00 15
2.500% 2.713% .00 15
5 Year ARM - 30 yr.

After 5th year, mortgage adjusts every year

2.250% 2.765% 2.00 30
2.625% 2.816% 1.00 30
3.000% 3.032% .00 30
5 Year ARM - 15 yr.

After 5th year, mortgage adjusts every year

2.125% 2.733% 2.00 15
2.500% 2.807% 1.00 15
2.875% 2.934% .00 15
7 Year ARM - 30 yr.

After 7th year, mortgage adjusts every year

2.750% 2.939% 2.00 30
3.000% 3.111% 1.00 30
3.250% 3.283% .00 30
7 Year ARM - 15 yr.

After 7th year, mortgage adjusts every year

2.625% 3.005% 2.00 15
2.875% 3.078% 1.00 15
3.125% 3.184% .00 15
10 Year ARM - 30 yr.

After 10th year, mortgage adjusts every year

3.000% 3.191% 2.00 30
3.250% 3.363% 1.00 30
3.500% 3.533% .00 30
10 Year ARM - 15 yr.

After 10th year, mortgage adjusts every year

2.875% 3.224% 2.00 15
3.125% 3.329% 1.00 15
3.375% 3.434% .00 15
  • For purchase and refinance loans over $100,000, 0.125 percent has been deducted from current rates. The stated rate reflects the discount.
  • Margin is 2.5%
  • Cap is 2% Maximum Adjustment per Year — 6% LIFE
  • Closing Rate is floor.
  • May be convertible to Fixed Rate during 13th through 60th months, $250 Conversion Fee — Use the 60-day FNMA Index. Email CEFCU or call 1.800.542.3328 ext. 33424 for more details.
  • Private Mortgage Insurance (PMI) is required for loans over 80% loan-to-value. Rates listed do not include PMI.

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