Savings & Checking Account Rates

Effective Date 9/13/2018

Account Type Dividend Rate Annual Percentage Yield (APY) Minimum Opening Deposit Minimum Balance to Earn Stated APY
Share .05% .05% $5.00 $5.00
Savings .15% .15% $0.00 $0.00
Little Scholars &
Boom! Savings
1.69% 1.70% $0.00 $0.00
My Goal Savings* 1.98% 2.00% $5.00 $0.00
Save the Change .60% .60% $0.00 $0.00
Money Market .15% .15% $2,500.00 $0 - $2,499
  .20% .20%   $2,500 - $9,999
  .25% .25%   $10,000 - $24,999
  .30% .30%   $25,000 - $49,999
  .45% .45%   $50,000 - $99,999
  .55% .55%   $100,000 - $149,999
  .70% .70%   $150,000+
eChecking** .25% .25% $0.00 $0.00
Relationship Checking 0% 0% $0.00 $0 - $999
  .10% .10%   $1,000 - $4,999
  .15% .15%   $5,000+
H.S.A. Checking .25% .25% $0.00 $0 - $2,499
  .25% .25%   $2,500 - $9,999
  .25% .25%   $10,000 - $24,999
  .25% .25%   $25,000 - $49,999
  .45% .45%   $50,000 - $99,999
  .55% .55%   $100,000+
Business Advantage Checking** .15% .15% $0.00 $0 - $49,999
  .20% .20%   $50,000 - $99,999
  .30% .30%   $100,000 - $149,999
  .40% .40%   $150,000+
 
Rates are subject to change without notice. Dividends compound monthly.
* Penalty for early withdrawal. Maximum deposit of $100.00 per week.
** Fees could reduce earnings

Certificate Rates

Effective Date 9/13/2018

Account Term $500-$24,999 $25,000-$49,999 $50,000-$99,999 $100,000-$149,999 $150,000+
3 Month
  Dividend Rate .30% .35% .60% .70% .80%
  Annual Percentage Yield .30% .35% .60% .70% .80%
  Instant Dividend .30% .35% .60% .70% .80%
6 Month
  Dividend Rate .70% .75% 1.00% 1.094% 1.193%
  Annual Percentage Yield .70% .75% 1.00% 1.10% 1.20%
  Instant Dividend .70% .75% 1.00% 1.094% 1.193%
9 Month
  Dividend Rate .75% .80% 1.045% 1.143% 1.242%
  Annual Percentage Yield .75% .80% 1.05% 1.15% 1.25%
  Instant Dividend .75% .80% 1.045% 1.143% 1.242%
12 Month
  Dividend Rate 1.00% 1.045% 1.292% 1.390% 1.489%
  Annual Percentage Yield 1.00% 1.05% 1.30% 1.40% 1.50%
  Instant Dividend 1.00% 1.045% 1.292% 1.390% 1.489%
18 Month
  Dividend Rate 1.00% 1.045% 1.292% 1.390% 1.489%
  Annual Percentage Yield 1.00% 1.05% 1.30% 1.40% 1.50%
  Instant Dividend 1.00% 1.045% 1.292% 1.390% 1.489%
24 Month
  Dividend Rate 1.341% 1.390% 1.637% 1.735% 1.833%
  Annual Percentage Yield 1.35% 1.40% 1.65% 1.75% 1.85%
  Instant Dividend 1.341% 1.390% 1.637% 1.735% 1.833%
36 Month
  Dividend Rate 1.538% 1.587% 1.833% 1.931% 2.029%
  Annual Percentage Yield 1.55% 1.60 1.85 1.95 2.05%
  Instant Dividend 1.538% 1.587% 1.833% 1.931% 2.029%
48 Month
  Dividend Rate 1.735% 1.784% 2.029% 2.127% 2.225%
  Annual Percentage Yield 1.75% 1.80% 2.05% 2.15% 2.25%
  Instant Dividend 1.735% 1.784% 2.029% 2.127% 2.225%
60 Month
  Dividend Rate 1.980% 2.029% 2.274% 2.372% 2.469%
  Annual Percentage Yield 2.00% 2.05% 2.30% 2.40% 2.50%
  Instant Dividend 1.980% 2.029% 2.274% 2.372% 2.469%
Boom! Certificate*
  Dividend Rate 2.341%        
  Annual Percentage Yield 2.37%        
 
1. Rates are subject to change without notice. Dividends compound monthly.
2. Penalty for early withdrawal: Terms of less than 9 months = 90 Days' Dividends; Terms of 9 months but less than 24 months = 180 Days' Dividends; Terms of 24 months and greater = 365 Days' Dividends
3. *Boom! Certificate is a youth account for ages 0-19 years. Term is 24 months. Minimum opening deposit of $250. Maximum deposit of $7,500
4. All other certificate types (3, 6, 9, 12, 18, 24, 36, 48, and 60 month) have a $500 minimum opening deposit.
5. CMCU will waive the penalty for withdrawals of up to 10% of the opening balance one time during the term of a certificate

IRA Certificates

Effective Date 9/13/2018

Account Term $500-$24,999 $25,000-$49,999 $50,000-$99,999 $100,000-$149,999 $150,000+
12 Month
  Dividend Rate 1.00% 1.045% 1.292% 1.390% 1.489%
  Annual Percentage Yield 1.00% 1.05% 1.30% 1.40% 1.50%
24 Month
  Dividend Rate 1.341% 1.390% 1.637% 1.735% 1.833%
  Annual Percentage Yield 1.35% 1.40% 1.65% 1.75% 1.85%
36 Month
  Dividend Rate 1.538% 1.587% 1.833% 1.931% 2.029%
  Annual Percentage Yield 1.55% 1.60% 1.85% 1.95% 2.05%
48 Month
  Dividend Rate 1.735% 1.784% 2.029% 2.127% 2.225%
  Annual Percentage Yield 1.75% 1.80% 2.05% 2.15% 2.25%
60 Month
  Dividend Rate 1.980% 2.029% 2.274% 2.372% 2.469%
  Annual Percentage Yield 2.00% 2.05% 2.30% 2.40% 2.50%
Rates are subject to change without notice. Dividends compound monthly.
Penalty for early withdrawal: Terms of 12 months but less than 24 months = 180 Days' Dividends; Terms of 24 months or greater = 365 Days' Dividends.
For IRA Certificate accounts, the minimum opening deposit must be at least $500.00 per certificate.
 

IRA Savings Rates

Effective Date 9/13/2018

 
Type Dividend Rate Annual Percentage Yield Minimum Opening Deposit Minimum Balance to Earn Stated APY
IRA Savings .20% .20% $25.00 $0 - $2,499
  .25% .25%   $2,500 - $9,999
  .30% .30%   $10,000 - $24,999
  .35% .35%   $25,000 - $49,999
  .60% .60%   $50,000 - $99,999
  .70% .70%   $100,000-$149,999
  .90% .90%   $150,000+
 
Rates are subject to change without notice. Dividends compound monthly

Loans

Effective Date 9/13/2018

Loan Rates as low as
Vehicle (2015 & newer)* 3.20% APR
Vehicle (2010 - 2014)* 3.40% APR
Vehicle (2008 - 2009)* 3.90% APR
Vehicle (2007 & older)* 4.15% APR
New Recreational Vehicle* 3.74% APR
Used Recreational Vehicle* 4.24% APR
 
Rates are subject to change without notice. Rates may vary by term of loan. Rates subject to credit approval. Recreational vehicle rates are based on a vehicle value less than $15,000. Contact us for rates. Must have active checking account with debit card to qualify for lowest possible rate

Credit Cards

Effective Date 9/13/2018

Annual Percentage Rate (APR) for Purchases Visa
15.90% (cashRewards)
11.90% (Classic A)
13.90%(Classic B)
9.90%(Platinum)
Other APRs Cash Advance APR - 15.90% (cashRewards
Cash Advance APR - 11.90% (Classic A)
Cash Advance APR - 13.90% (Classic B)
Cash Advance APR - 9.90% (Platinum)
Grace Period for Purchases 25 Days
Method of Computing the Balance of Purchases Average Daily Balance (including new purchases)
Annual Fee $10.00 (Classic A)
None (cashRewards, Classic B or Platinum)
Minimum Finance Charge None
Transaction Fee for Purchases None
Late Payment Fee Up to $25.00
Over-the-Credit-Limit Fee $15.00
 
Rates are subject to change without notice.

Mortgage Loans