Rates
Loan rates
Time to borrow? Our lending team is ready to assist with top-notch service and fast turnaround times.
Mortgages
Auto Loans
| Auto Loans for new and used cars | APR* as low as |
|---|---|
| Up to 48 months¹ | 6.74% |
| 49 to 60 months² (Minimum loan amount $10,000+) | 6.49% |
| 61 to 72 months³ (Minimum loan amount $18,000+) | 6.74% |
| 73 to 84 months⁴ (Minimum loan amount $25,000+) | 7.74% |
Effective November 25, 2024. Rates subject to change without notice and are for informational purposes only. For details or latest rate information, contact a credit union representative.
*All rates are disclosed as Annual Percentage Rates. Your rate will be based on your credit history, approximate term, and security offered. A loan officer will let you know the rate you qualify for after reviewing your application documents.
¹ 48 monthly payments of $23.83 per $1,000 borrowed.
² 60 monthly payments of $19.57 per $1,000 borrowed.
³ 72 monthly payments of $16.93 per $1,000 borrowed.
⁴ 84 monthly payments of $15.46 per $1,000 borrowed.
Boat & RV Loans
| New and Used Boats & RVs | APR* as low as |
|---|---|
| Up to 60 months¹ (Minimum loan amount $5,000+) | 8.24% |
| 61 to 120 months² (Minimum loan amount $10,000+) | 7.99% |
| 121 to 144 months³ (Minimum loan amount $15,000+) | 7.99% |
| 145 to 180 months⁴ (Minimum loan amount $25,000+) | 7.99% |
| 181 to 240 months⁵ (Minimum loan amount $75,000+) | 8.49% |
Effective November 25, 2024. Rates subject to change without notice and are for informational purposes only. For details or latest rate information, contact a credit union representative.
*All rates are disclosed as Annual Percentage Rates. Your rate will be based on your credit history, approximate term, and security offered. A loan officer will let you know the rate you qualify for after reviewing your application documents.
¹ 60 monthly payments of $20.40 per $1,000 borrowed.
² 120 monthly payments of $12.13 per $1,000 borrowed.
³ 144 monthly payments of $10.82 per $1,000 borrowed.
⁴ 180 monthly payments of $9.56 per $1,000 borrowed.
⁵ 240 monthly payments of $8.68 per $1,000 borrowed.
Power Sport & Motorcycle Loans
| New and Used Motorcycles and Power Sport Vehicles | APR* as low as |
|---|---|
| Up to 60 months¹ (Minimum loan amount $5,000) | 8.49% |
| 61 to 72 months² (Minimum loan amount $10,000) | 8.74% |
| 73 to 84 months³ (Minimum loan amount $15,000) | 9.24% |
50 basis points will be added to the APR for refinance of existing Community Choice loans.
Effective November 25, 2024. Rates subject to change without notice and are for informational purposes only. For details or latest rate information, contact a credit union representative.
*All rates are disclosed as Annual Percentage Rates. Your rate will be based on your credit history, approximate term, and security offered. A loan officer will let you know the rate you qualify for after reviewing your application documents. 50% basis points will be added to the APR for refinances of existing credit union loans.
¹ 60 monthly payments of $20.52 per $1,000 borrowed.
² 72 monthly payments of $17.90 per $1,000 borrowed.
³ 84 monthly payments of $16.22 per $1,000 borrowed.
Home Equity Loans
| Home Equity Loan – Fixed rates up to 80% Loan to Value | Rate Type | APR* As Low As |
|---|---|---|
| Up to 5 years1 | Fixed | 7.74% |
| Up to 10 years2 | Fixed | 7.74% |
| Up to 15 years3 | Fixed | 7.99% |
| Home Equity Loan – Fixed rates up to 90% Loan to Value | Rate Type | APR* As Low As |
|---|---|---|
| Up to 5 years4 | Fixed | 8.84% |
| Up to 10 years5 | Fixed | 9.34% |
| Up to 15 years6 | Fixed | 9.19% |
| FlexChoice HELOC – Variable rates up to 90% Loan to Value | Rate Type | APR* As Low As |
|---|---|---|
| Up to 70% Loan to Value | Variable | 7.25% |
| Up to 80% Loan to Value | Variable | 7.50% |
| Up to 90% Loan to Value | Variable | 8.50% |
Actual rate based on loan-to-value of collateral and credit worthiness.
Variable rate is subject to change monthly, based on the prime rate and margin. Maximum Annual Percentage Rate is 18.00%. Other terms and conditions may apply.
*APR=Annual Percentage Rate. Intro rates are subject to change without notice. Rate offered will be based on applicant’s credit history and worthiness, term and amount financed and loan-to-value of collateral. Qualifying rate will be determined upon review of application.
1 60 monthly payments of $20.16 per $1,000 borrowed.
2 120 monthly payments of $12.00 per $1,000 borrowed.
3 180 monthly payments of $9.56 per $1,000 borrowed.
4 60 monthly payments of $20.69 per $1,000 borrowed.
5 120 monthly payments of $12.86 per $1,000 borrowed.
6 180 monthly payments of $10.26 per $1,000 borrowed.
Rates subject to change without notice and are for informational purposes only. For details or latest rate information, contact a credit union representative.
Effective December 1, 2024.
Unsecured Loans
| Unsecured Loans | Type | APR* As Low As |
|---|---|---|
| Signature Loan¹ | Personal Loan | 9.99% |
| Line of Credit² | Personal Loan | 15.40% |
| Certificate of Deposit Secured | CD and Share Secured Loan³ | 2.50% |
| Savings Share Secured | CD and Share Secured Loan³ | 2.50% |
| Holiday Loan Special (Minimum loan amount $500) | Personal Loan | 9.99% |
The Holiday Loan Special is effective November 25, 2024. Rates subject to change without notice and are for informational purposes only. For details or latest rate information, contact a credit union representative.
*All rates are disclosed as Annual Percentage Rates. Your rate will be based on your credit history, approximate term, and security offered. A loan officer will let you know the rate you qualify for after reviewing your application documents.
Example:
1 18 monthly payments of $60.05 per $1,000 borrowed. 2Monthly payments of $30.00 per $1,000 borrowed.
³Rate is share certificate or savings share annual dividend rate plus 1.50%. Term of share certificate secured loans cannot exceed the term of the certificate. Maximum term of a savings share secured loan is 60 months. Floor rate 2.50%. Effective December 1, 2024.
Personal rates
Save and spend with confidence as you live the life you desire.
Checking Accounts
| Choice Checking | Rate | APY* |
|---|---|---|
| $0.00 – $2,499.99 | 0.00% | 0.00% |
| $2,500.00 – $24,999.99 | 0.05% | 0.05% |
| $25,000.00 – $49.999.99 | 0.10% | 0.10% |
| $50,000.00 and above | 0.15% | 0.15% |
No minimum to open. Fees may reduce earnings.
*APY = Annual Percentage Yield
Interest not available on Basic Checking accounts
All annual percentage yields are based on the assumption that the money is left on deposit during the dividend period. Dividend rates on share accounts will be declared monthly by the Board of Directors and posted on the last day of every month. All rates subject to change at any time without notice. For more information, please refer to our Account Agreements, Fee Schedule, and Disclosures.
Savings Accounts
| Choice Savings | Rate | APY* |
|---|---|---|
| $100.00 – $9,999.99 | 0.01% | 0.01% |
| $10,000 – $24,999.99 | 0.05% | 0.05% |
| $25,000 – $49,999.99 | 0.10% | 0.10% |
| $50,000 – $99,999.99 | 0.15% | 0.15% |
| $100,000 – $249,999.99 | 0.25% | 0.25% |
| $250,000 – $499,999.99 | 0.39% | 0.40% |
| $500,000 and above | 0.49% | 0.50% |
Dividends will be paid monthly based on the aggregate balance of your Choice Savings Account and Choice Goals. The combined dividend will be deposited into your Choice Savings Account.
$5.00 minimum to open. Fees may reduce earnings.
| Daily IRA | Rate | APY* |
|---|---|---|
| $100.00 and above | 0.05% | 0.05% |
Traditional, Roth, Coverdell, or Roth Conversion
| Captain Choice/My Choice | Rate | APY* |
|---|---|---|
| $5.00 – $500.00 | 1.00% | 1.00% |
| $500.01 – $9,999.99 | 0.01% | 0.01% |
| $10,000 – $24,999.99 | 0.05% | 0.05% |
| $25,000 – $49,999.99 | 0.10% | 0.10% |
| $50,000 – $99,999.99 | 0.15% | 0.15% |
| $100,000 – $249,999.99 | 0.25% | 0.25% |
| $250,000 – $499,999.99 | 0.40% | 0.40% |
| $500,000 and above | 0.50% | 0.50% |
Dividends will be paid monthly based on the aggregate balance of your Captain Choice/MyChoice Share and Choice Goals. The combined dividend will be deposited into your Captain Choice/MyChoice Share.
$5.00 minimum to open. Fees may reduce earnings. Ages 0-17.
IRAs
| IRA Certificate | Rate | APY* |
|---|---|---|
| SPECIAL! 15-Month IRA Certificate | 3.928% | 4.00% |
| SPECIAL! 25-Month IRA Certificate | 3.445% | 3.50% |
| 6-Month IRA Certificate | 0.15% | 0.15% |
| 1-Year IRA Certificate | 0.25% | 0.25% |
15-Month IRA Certificate
$500 minimum—no maximum. Penalty for early withdrawal applies. Special rate subject to change at any time without notice.
25-Month IRA Certificate
$500 minimum—no maximum. Penalty for early withdrawal applies. Special rate subject to change at any time without notice.
6-Month IRA Certificate
$100.00 minimum – no maximum. Penalty for early withdrawal applies. 6 month term subject to a 60 day dividend penalty.
1-Year IRA Certificate
$100.00 minimum – no maximum. Penalty for early withdrawal applies. 1 year term subject to a 90 day dividend penalty.
CDs
| Certificate | Rate | APY* |
|---|---|---|
| CD SPECIAL! 15-Month Certificate | 3.928% | 4.00% |
| CD SPECIAL! 25-Month Certificate | 3.445% | 3.50% |
| 3-Month Certificate | 0.10% | 0.10% |
| 6-Month Certificate | 0.15% | 0.15% |
| 1-Year Certificate | 0.25% | 0.25% |
| 2-Year Certificate | 0.30% | 0.30% |
| 3-Year Certificate | 0.35% | 0.35% |
| 4-Year Certificate | 0.40% | 0.40% |
| 5-Year Certificate | 0.50% | 0.50% |
SPECIAL 15-Month Certificate
$500 minimum—no maximum. Penalty for early withdrawal applies. Special rate subject to change at any time without notice.
SPECIAL 25-Month Certificate
$500 minimum—no maximum. Penalty for early withdrawal applies. Special rate subject to change at any time without notice.
3-Month Certificate
$500.00 minimum – no maximum. Penalty for early withdrawal applies. 3 month term subject to a 30 day dividend penalty.
6-Month Certificate
$500.00 minimum – no maximum. Penalty for early withdrawal applies. 6 month term subject to a 60 day dividend penalty.
1-Year Certificate
$500.00 minimum – no maximum. Penalty for early withdrawal applies. 1 year term subject to a 90 day dividend penalty.
2-Year Certificate
$500.00 minimum – no maximum. Penalty for early withdrawal applies. 18 months or greater terms subject to a 180 day dividend penalty.
3-Year Certificate
$500.00 minimum – no maximum. Penalty for early withdrawal applies. 18 months or greater terms subject to a 180 day dividend penalty.
4-Year Certificate
$500.00 minimum – no maximum. Penalty for early withdrawal applies. 18 months or greater terms subject to a 180 day dividend penalty.
5-Year Certificate
$500.00 minimum – no maximum. Penalty for early withdrawal applies. 18 months or greater terms subject to a 180 day dividend penalty.
Credit Cards
| Community Choice Mastercard® Credit Card | APR* As Low As |
|---|---|
| Platinum Mastercard | 12.99% |
| World Mastercard | 17.99% |
*APR = Annual Percentage Rate
Credit card rates effective December 1, 2024.
All rates are variable and disclosed as Annual Percentage Rates. Your rate will be based on your credit history, approximate term, and security offered. A loan officer will let you know the rate you qualify for after reviewing your application documents. Rates are subject to change at any time. For details or latest rate information, contact a credit union representative.
Business rates
Big or small, we’re ready to help you and your business achieve your financial goals.
Money Market
| Business Money Market | Rate | APY* |
|---|---|---|
| $10,000.00 – $99,999.99 | 0.10% | 0.10% |
| $100,000.00 – $249,999.99 | 0.25% | 0.25% |
| $250,000.00 – $499,999.99 | 0.39% | 0.40% |
| $500,000.00 and above | 0.49% | 0.50% |
$10,000.00 minimum to open. Fees may reduce earnings. Anytime access.
Effective February 23, 2023.
Savings
| Business Savings | Rate | APY* |
|---|---|---|
| $100.00 and above | 0.05% | 0.05% |
$5.00 minimum to open. Fees may reduce earnings.
Loans
Rates for business loans vary depending on the type of loan and collateral being used. Our team of business experts will walk through a conversation to find the best loan to fit the business’s needs and quote an estimated rate.
To learn about the best business loans for your needs, call our Business Services team at 877.243.2528 ext. 1043
Credit Cards
| Community Choice Mastercard® Credit Card | APR* As Low As |
|---|---|
| Business Platinum Mastercard | 13.65% |
*APR = Annual Percentage Rate
Credit card rates effective December 1, 2024.
All rates are variable and disclosed as Annual Percentage Rates. Your rate will be based on your credit history, approximate term, and security offered. A loan officer will let you know the rate you qualify for after reviewing your application documents. Rates are subject to change at any time. For details or latest rate information, contact a credit union representative.
IOLTA
| IOLTA Checking | Rate | APY* |
|---|---|---|
| Dividends earned on any balances | 0.49% | 0.50% |
Dividend rate effective February 23, 2023.
*APY = Annual Percentage Yield
Account owner is responsible for third party fees such as purchasing checks and other third party charges.
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We know that when our members are living well and enjoying healthier finances, our communities are better off. That’s why we offer smart solutions and great banking benefits.
