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Rates
What rates are you looking for?
Available rates as of .
Vehicle Loans
Standard Vehicle Rates
Model Year |
LTV footnote 1 < = 100% |
Standard Term (Months) |
Monthly payment per $1,000 |
|---|---|---|---|
| 2025 AND NEWER | 4.99% | 66 | $17.36 |
| 2023-2024 | 4.99% | 66 | $17.36 |
| 2021-2022 | 5.14% | 60 | $18.94 |
| 2020 | 5.34% | 60 | $19.03 |
| 2019 | 5.64% | 60 | $19.17 |
| 2018 | 6.54% | 48 | $23.73 |
| 2017 AND OLDER | 9.04% | 36 | $31.82 |
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.
In-house refinances are excluded.
Recreational Vehicle & Boat
Model Year |
LTV footnote 1 < = 100% |
Standard Term (Months) |
Monthly payment per $1,000 |
|---|---|---|---|
| 2023 AND NEWER | 6.49% | 72 | $16.81 |
| 2019-2022 | 6.79% | 72 | $16.95 |
| 2016-2018 | 7.29% | 72 | $17.19 |
| 2015 AND OLDER | 8.29% | 72 | $17.68 |
The rates, terms, and up to 100% financing on recreational loans are available to well-qualified borrowers. Terms are also subject to limitation based on model year. Contact CEFCU for details. Rate, term, and amount financed subject to credit approval.
In-house refinances are excluded.
Motorcycles
Model Year |
LTV footnote 1 < = 100% |
Standard Term (Months) |
Monthly payment per $1,000 |
|---|---|---|---|
| 2023 AND NEWER | 6.49% | 48 | $23.71 |
| 2019-2022 | 7.29% | 48 | $24.08 |
| 2016-2018 | 7.79% | 48 | $24.31 |
| 2015 AND OLDER | 8.79% | 36 | $31.70 |
The rates, terms, and up to 100% financing on motorcycle loans are available to well-qualified borrowers. Terms are also subject to limitation based on model year. Contact CEFCU for details. Rate, term, and amount financed subject to credit approval.
In-house refinances are excluded.
Other Loans
Private Student Loan
|
Type
|
APR footnote 2
|
|---|---|
| PRIVATE STUDENT LOAN (Variable Rate) | 8.25% |
Consolidation Student Loan
|
Type
|
APR footnote 2
|
|---|---|
| PRIVATE STUDENT LOAN (Variable Rate) | 8.25% |
Other Consumer
Loan Type |
APR footnote 3 |
|---|---|
| PERSONAL (SECURED WITH SAVINGS 01-36) | 4.75% |
| PERSONAL (SECURED WITH SAVINGS 37-48) | 5.00% |
| PERSONAL (UNSECURED) | 10.25% |
| SINGLE PAYMENT NOTE (SECURED WITH SAVINGS) | 5.25% |
| SINGLE PAYMENT NOTE (SECURED) | 10.25% |
| SINGLE PAYMENT NOTE (UNSECURED) | 12.25% |
Rates are effective May 1, 2025, and are subject to change.
Certificates/IRA Certificates/HSA Certificates
Certificate Accounts
(Rates are subject to change daily, dividends are compounded and credited monthly, and the dividend period is monthly. Early withdrawal penalties may apply.)
My Save Certificate Accounts
Type |
Dividend Rate |
APY footnote 1 |
|---|---|---|
| 12 MONTHS | 3.40% | 3.45% |
Certificate Accounts
Type |
Dividend Rate |
APY footnote 1 |
|---|---|---|
| 3 MONTHS | 3.30% | 3.35% |
| 6 MONTHS | 3.35% | 3.40% |
| 12 MONTHS | 3.40% | 3.45% |
| 18 MONTHS | 3.44% | 3.50% |
| 24 MONTHS | 3.49% | 3.55% |
| 36 MONTHS | 3.54% | 3.60% |
| 48 MONTHS | 3.59% | 3.65% |
| 60 MONTHS | 3.64% | 3.70% |
Jumbo Certificate Accounts
Type |
Dividend Rate |
APY footnote 1 |
|---|---|---|
| 3 MONTHS | 3.35% | 3.40% |
| 6 MONTHS | 3.40% | 3.45% |
| 12 MONTHS | 3.45% | 3.51% |
| 18 MONTHS | 3.49% | 3.55% |
| 24 MONTHS | 3.54% | 3.60% |
| 36 MONTHS | 3.59% | 3.65% |
| 48 MONTHS | 3.64% | 3.70% |
| 60 MONTHS | 3.69% | 3.75% |
Traditional & Roth Individual Retirement Account (IRA) Certificates and Coverdell Education Savings Account (ESA) Certificates footnote 2
Type |
Dividend Rate |
APY footnote 1 |
|---|---|---|
| 12 MONTHS | 3.40% | 3.45% |
| 24 MONTHS | 3.49% | 3.55% |
| 36 MONTHS | 3.54% | 3.60% |
| 48 MONTHS | 3.59% | 3.65% |
| 60 MONTHS | 3.64% | 3.70% |
Jumbo IRA Certificate Accounts
Type |
Dividend Rate |
APY footnote 1 |
|---|---|---|
| 12 MONTHS | 3.45% | 3.51% |
| 24 MONTHS | 3.54% | 3.60% |
| 36 MONTHS | 3.59% | 3.65% |
| 48 MONTHS | 3.64% | 3.70% |
| 60 MONTHS | 3.69% | 3.75% |
HSA Certificate Accounts
Type |
Dividend Rate |
APY footnote 1 |
|---|---|---|
| 3 MONTHS | 3.30% | 3.35% |
| 6 MONTHS | 3.35% | 3.40% |
| 12 MONTHS | 3.40% | 3.45% |
| 18 MONTHS | 3.44% | 3.50% |
| 24 MONTHS | 3.49% | 3.55% |
| 36 MONTHS | 3.54% | 3.60% |
| 48 MONTHS | 3.59% | 3.65% |
| 60 MONTHS | 3.64% | 3.70% |
Jumbo HSA Certificate Accounts
Type |
Dividend Rate |
APY footnote 1 |
|---|---|---|
| 3 MONTHS | 3.35% | 3.40% |
| 6 MONTHS | 3.40% | 3.45% |
| 12 MONTHS | 3.45% | 3.51% |
| 18 MONTHS | 3.49% | 3.55% |
| 24 MONTHS | 3.54% | 3.60% |
| 36 MONTHS | 3.59% | 3.65% |
| 48 MONTHS | 3.64% | 3.70% |
| 60 MONTHS | 3.69% | 3.75% |
1. Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period.
2. New CESAs cannot be opened.
For a complete rate schedule and fee schedule, contact CEFCU.
CEFCU savings are federally insured up 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 up to $250,000 by the NCUA.
Rates effective since July 2, 2025, and are subject to change.
Savings
Savings Accounts
(Rates are subject to change daily)
Savings Accounts footnote 1
Type |
Min. to Earn APY |
Dividend Rate |
APY footnote 2 |
|---|---|---|---|
| TIER-1 | $1.00 | 0.75% | 0.75% |
| TIER-2 | $1,000.00 | 0.80% | 0.80% |
| TIER-3 | $10,000.00 | 0.85% | 0.85% |
Holiday Saver Account
Type |
Min. to Earn APY |
Dividend Rate |
APY footnote 2 |
|---|---|---|---|
| TIER-1 | $0.01 | 0.75% | 0.75% |
| TIER-2 | $1,000.00 | 0.80% | 0.80% |
| TIER-3 | $10,000.00 | 0.85% | 0.85% |
My Use Account
Type |
Min. to Earn APY |
Dividend Rate |
APY footnote 2 |
|---|---|---|---|
| TIER-1 | $0.01 | 0.75% | 0.75% |
| TIER-2 | $1,000.00 | 0.80% | 0.80% |
| TIER-3 | $10,000.00 | 0.85% | 0.85% |
Roth, Traditional, and Education footnote 3 IRA Daily Account
Dividend Rate |
APY footnote 2 |
|---|---|
| 0.75% | 0.75% |
1. Also applies to Savings Account for a Coverdell Education Account (CESA).
2. Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period.
3. New CESAs cannot be opened.
For a complete rate schedule and fee schedule, contact CEFCU.
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.
Rates effective since July 2, 2025, and are subject to change.
Checking
Checking Accounts
(Rates are subject to change daily)
Dividend Checking
Type |
Min. to Earn APY |
Dividend Rate |
APY footnote 1 |
|---|---|---|---|
| TIER-1 | $2,500.00 | 0.45% | 0.45% |
| TIER-2 | $5,000.00 | 0.45% | 0.45% |
| TIER-3 | $10,000.00 | 0.45% | 0.45% |
Insured Money Market Account (IMMA)
Type |
Min. to Earn APY |
Dividend Rate |
APY footnote 1 |
|---|---|---|---|
| TIER-1 | $2,500.00 | 2.08% | 2.10% |
| TIER-2 | $25,000.00 | 2.18% | 2.20% |
| TIER-3 | $50,000.00 | 2.28% | 2.30% |
| TIER-4 | $100,000.00 | 2.37% | 2.40% |
1. Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period.
For a complete rate schedule and fee schedule, contact CEFCU.
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.
Credit Cards
Married persons may apply for credit as individuals. If this is an application for an individual account and you are relying on your own income or assets (in community property states, separate income or assets) and not the income or assets of another person (or community property) for repayment of the credit requested, questions relative to marital status and to income resources and assets of the spouse need not be answered. Only the applicant's resources will be evaluated in determining credit worthiness.
(Non-Rewards)
CEFCU World Credit Mastercard
(Non-Rewards)
CEFCU World Credit Mastercard
Annual Percentage Rate (APR) for Purchases
1.99%
introductory APR for 12 months from account opening Footnote 1 based on your creditworthiness. Footnote 2
After that, 12.75% to 22.25%
based on your creditworthiness. Footnote 2 These APRs will vary with the market based on the Prime Rate. Footnote 3
1.99%
introductory APR for 12 months from account opening Footnote 1 based on your creditworthiness. Footnote 2
After that, 14.75% to 24.25%
based on your creditworthiness. Footnote 2 These APRs will vary with the market based on the Prime Rate. Footnote 3
1.99%
introductory APR for 12 months from account opening Footnote 1 based on your creditworthiness. Footnote 2
After that, 13.75% to 23.25%
based on your creditworthiness. Footnote 2 These APRs will vary with the market based on the Prime Rate. Footnote 3
(Non-Rewards)
CEFCU World Credit Mastercard
APR for Balance Transfers
1.99%
introductory APR for 12 months from the date of each balance transfer during the first 90 days after account opening Footnote 1
After that, 12.75% to 22.25% based on your creditworthiness. Footnote 2 These APRs will vary with the market based on the Prime Rate. Footnote 3
1.99%
introductory APR for 12 months from the date of each balance transfer during the first 90 days after account opening Footnote 1
After that, 14.75% to 24.25% based on your creditworthiness. Footnote 2 These APRs will vary with the market based on the Prime Rate. Footnote 3
1.99%
introductory APR for 12 months from the date of each balance transfer during the first 90 days after account opening Footnote 1
After that, 13.75% to 23.25% based on your creditworthiness. Footnote 2 These APRs will vary with the market based on the Prime Rate. Footnote 3
(Non-Rewards)
CEFCU World Credit Mastercard
APR for Cash Advances
15.75% to 25.25%
when you open your account, based on your creditworthiness. Footnote 2 After that, your APR will vary with the market based on the Prime Rate. Footnote 3
17.75% to 27.25%
when you open your account, based on your creditworthiness. Footnote 2 After that, your APR will vary with the market based on the Prime Rate. Footnote 3
16.75% to 26.25%
when you open your account, based on your creditworthiness. Footnote 2 After that, your APR will vary with the market based on the Prime Rate. Footnote 3
(Non-Rewards)
CEFCU World Credit Mastercard
Penalty APR and When it Applies
25.25% for Purchases Footnote 4
28.25% for Cash Advances Footnote 4
These APRs will vary with the market based on the Prime Rate. Footnote 3
These APRs may be applied to your account if you make a late payment.
How Long Will the Penalty APR Apply?
If your APRs are increased for this reason, the Penalty APRs will apply until you make six consecutive minimum payments when due.
27.25% for Purchases Footnote 4
29.99% for Cash Advances Footnote 4
These APRs will vary with the market based on the Prime Rate. Footnote 3
These APRs may be applied to your account if you make a late payment.
How Long Will the Penalty APR Apply?
If your APRs are increased for this reason, the Penalty APRs will apply until you make six consecutive minimum payments when due.
26.25% for Purchases Footnote 4
29.25% for Cash Advances Footnote 4
These APRs will vary with the market based on the Prime Rate. Footnote 3
These APRs may be applied to your account if you make a late payment.
How Long Will the Penalty APR Apply?
If your APRs are increased for this reason, the Penalty APRs will apply until you make six consecutive minimum payments when due.
(Non-Rewards)
CEFCU World Credit Mastercard
How to Avoid Paying Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
(Non-Rewards)
CEFCU World Credit Mastercard
Minimum Interest Charge
If you are charged interest, the charge will be no less than $.50.
If you are charged interest, the charge will be no less than $.50.
If you are charged interest, the charge will be no less than $.50.
(Non-Rewards)
CEFCU World Credit Mastercard
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau .
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau .
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau .
(Non-Rewards)
Credit Mastercard
(Non-Rewards)
Credit Mastercard
Purchases and Balance Transfers
5.25% to 14.75% when you open your account, based on your creditworthiness
7.25% to 16.75% when you open your account, based on your creditworthiness
6.25% to 15.75% when you open your account, based on your creditworthiness
(Non-Rewards)
Credit Mastercard
Cash Advances
8.25% to 17.75% when you open your account, based on your creditworthiness
10.25% to 19.75% when you open your account, based on your creditworthiness
9.25% to 18.75% when you open your account, based on your creditworthiness
3The "Prime Rate" is the prime rate published in the "Money Rates" column of The Wall Street Journal on the computation dates. The computation dates will be December 1, March 1, June 1, and September 1 (or if such dates do not fall upon a business day, the first publication day thereafter). The APRs are based on the 7.50% Prime Rate on 3/1/2025. The maximum APR and penalty APR for Purchases and Cash Advances is the greater of 29.99% or the maximum rate permitted by law.
4The penalty APR is determined by adding the "Margin" to the "Prime Rate." The "Margin" differs for Purchases and Cash Advances as follows:
(Non-Rewards)
Credit Mastercard
(Non-Rewards)
Credit Mastercard
Purchases
17.75%
19.75%
18.75%
(Non-Rewards)
Credit Mastercard
Cash Advances
20.75%
22.75%
21.75%
The information about the costs of the cards described in this Application was posted on and is accurate as of 4/1/2025. This information may have changed after that date. To find out what may have changed, call us at
Mortgage
Rates listed on this page are only a selection and do not represent all rates, terms and products available. Additional rates, terms, and products that suit your particular need may be available.
Fixed-Rate Mortgages
|
Type
|
Rate
|
APR footnote 1
|
Points
|
| 30 Year - Fixed Rate | 6.625% | 6.725% | 0.00 |
| 20 Year - Fixed Rate | 6.625% | 6.756% | 0.00 |
| 15 Year - Fixed Rate | 5.875% | 6.035% | 0.00 |
| 10 Year - Fixed Rate | 5.875% | 6.102% | 0.00 |
*APR calculates automatically based on rate.
Adjustable-Rate Mortgages
|
Type
|
Rate
|
APR
|
Points
|
| 5/1 ARM - 30 Year Term | 6.125% | 6.470% | 0.00 |
| 5/1 ARM - 15 Year Term | 5.875% | 6.276% | 0.00 |
| 7/1 ARM - 30 Year Term | 6.250% | 6.481% | 0.00 |
| 7/1 ARM - 15 Year Term | 6.000% | 6.264% | 0.00 |
| 10/1 ARM - 30 Year Term | 6.375% | 6.518% | 0.00 |
| 10/1 ARM - 15 Year Term | 6.125% | 6.291% | 0.00 |
Jumbo Mortgages
|
Type
|
Rate
|
APR
|
Points
|
| 30 Year - Fixed Rate | 6.625% | 6.725% | 0.00 |
| 20 Year - Fixed Rate | 6.625% | 6.756% | 0.00 |
| 15 Year - Fixed Rate | 5.875% | 6.035% | 0.00 |
| 5/1 ARM - 30 Year Term | 6.125% | 6.470% | 0.00 |
| 7/1 ARM - 30 Year Term | 6.250% | 6.481% | 0.00 |
| 10/1 ARM - 30 Year Term | 6.375% | 6.518% | 0.00 |
- Rates listed above are available to well qualified borrowers who are purchasing or refinancing the current mortgage balance for their primary residence.
- Add .25% for cash-out refinance transactions.
- Rates and terms are subject to change without notice.
- Reduced rates may be available through the purchase of "points". The cost of a point is equal to 1% of the loan amount. For most products, one point will reduce the rate by .25%. Please indicate your intention to purchase points when you apply.
- 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.
- Add 0.500% for Construction and Completion Loans. Construction and Completion Loans have a 12-month rate lock while your new home is being built or completed. Rate reductions may be available if construction is completed in less than 9 months (.250% reduction) or less than 6 months (.375% reduction).
- Additional Adjustable Rate Mortgage Details
- 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 CEFCUor call
1.800.542.3328
Home Equity
Hybrid Home Equity Line of Credit (HELOC)
| APR | |
|---|---|
| As Low As 7.50% footnote 1 | |
- 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.
- The annual percentage rate will not fall below 2.99% APR.
- You must carry insurance on the property that secures this plan.
- CEFCU’s closing cost assistance offer is available for a limited time for qualified CEFCU members in good standing who are opening a Hybrid Home Equity Line of Credit of $10,000 or more using their owner-occupied home as collateral. To qualify, the home being used as collateral may not be for sale; Bridge Loans and Lot Loans are not eligible for closing cost assistance. Property insurance is required and not included in closing costs. Closing cost assistance excludes Transfer Taxes or Mortgage/Intangible Taxes (applicable in certain states but not applicable to Illinois or California properties). Contact CEFCU for details, including more specific information about third-party fees.
- Hybrid HELOC is available in every state but Texas. Home Equity lending not available in Texas.
- 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. Minimum monthly payment amount for credit line balance is $100.
1. This initial rate will be in effect until 9/30/2025, and at the credit union's option, for a longer period of time. The annual percentage rate may vary quarterly and is based on the Prime Rate published in the Wall Street Journal and available to us as of 6/16/2025. Your final qualifying rate will be determined by credit profile and amount borrowed in relation to home's value.