Rates

 

RATES EFFECTIVE AS OF April 16, 2014

Deposit Rates

Type of Deposit

Tiers

APY

Dividend Rate

Platinum Money Market Savings Account

 

0.30%

0.30%

Jumbo Money Market Savings Account

 

0.20%

0.20%

Money Market Savings Account

 

0.15%

0.15%

Individual Retirement Savings Account (IRA)

 

0.50%

0.50%

Savings (Share) Account

 

0.10%

0.10%

Holiday Club Account

 

0.10%

0.10%

Interest Checking

$50,000+
$25,000-$49,999
$10,000-$24,999
$1,000-$9,999

0.30%
0.20%
0.15%
0.10%

0.30%
0.20%
0.15%
0.10%

Interest Plus Checking

$0-$15,000
$15,001+

1.50%
0.15%

1.49%
0.15%

Smart Start Checking

$5,000+
$2,500-$4,999
$500-$2,499

0.20%
0.15%
0.10%

0.20%
0.15%
0.10%

Certificates May Be Shares or IRA's ($500 Minimum Deposit)

3 Month Certificate

 

0.15%

0.15%

6 Month Certificate

 

0.20%

0.20%

9 Month Certificate

 

0.25%

0.25%

12 Month Certificate

 

0.30%

0.30%

18 Month Certificate

 

0.40%

0.40%

24 Month Certificate

 

0.50%

0.50%

36 Month Certificate

 

0.60%

0.60%

48 Month Certificate

 

0.80%

0.80%

60 Month Certificate

 

1.00%

1.00%

Annual Percentage Yield, Dividend Rates and Terms subject to change without notice. There is a penalty assessed for early withdraw of Certificate.  Business transacted at Cardinal Community Credit Union is governed by the laws of the State of Ohio.
$100 minimum balance to earn dividends on Savings & Holiday Accounts
$2,500 minimum deposit on Money Market; $15,000 on Jumbo Money Market
$100 minimum deposit on IRA Savings; $500 minimum deposit on Certificates and IRA Certificates
$1,000 minimum deposit on Interest Checking
$25,000 minimum balance to earn dividends on Platinum Money Market Account

 

Consumer Loan Rates*

Type of Loan

Term

Rate

 APR

New Auto/Truck 2013 - 2014 48 Mo. as low as 1.790% 2.030% APR
New Auto/Truck 2013 - 2014 60 Mo. as low as 1.790% 1.910% APR
New Auto/Truck 2013 - 2014 72 Mo. as low as 2.250% 2.370% APR
New Auto/Truck 2013 - 2014 84 Mo. as low as 3.490% 3.680% APR
Used Auto/Truck 2011 - 2013 48 Mo. as low as 2.290% 2.540% APR
Used Auto/Truck 2011 - 2013 60 Mo. as low as 2.290% 2.490% APR
Used Auto/Truck 2011 - 2013 72 Mo. as low as 2.790% 2.960% APR
Used Auto/Truck 2007 - 2010                48 Mo. as low as 3.290% 3.540% APR
Used Auto/Truck 2007 - 2010 60 Mo. as low as 3.790% 3.990% APR
Used Auto/Truck 2007 - 2010 72 Mo. as low as 4.290% 4.460% APR
New Rec. Vehicle 2013 - 2014 48 Mo. as low as 2.990% 3.240% APR
Used Rec. Vehicle 2007 - 2013 48 Mo. as low as 2.990% 3.240% APR
Share Secured 60 Mo. as low as 3.990% 4.190% APR
Share Secured 120 Mo. as low as 4.990% 5.100% APR
Unsecured Loan 60 Mo. as low as 10.490% 10.580% APR
Signature Line-of-Credit   as low as 10.750%  

Members who make vehicle loan payments automatically from an active Cardinal Checking Account will receive a 0.25% rate reduction.

Mortgage Loan Rates*

Type of Loan

LTV 

Rate 

APR

5 Year First Mortgage   3.250% 3.436%
10 Year First Mortgage   3.250% 3.462%
15 Year First Mortgage   3.500% 3.647%
20 Year First Mortgage   4.125% 4.241%
30 Year First Mortgage   4.500% 4.586%
1/1 ARM (Non-Convertible)   3.625% 3.707%
1/1 ARM   3.625%

3.707%

3/1 ARM  

3.625%

3.707%
5/1 ARM   4.250% 4.335%
7/1 ARM  

4.375%

4.460%
10/1 ARM   4.625% 4.712%
Home Equity Line-of-Credit/Variable Rate 85% 2.990% 3.750%
Home Equity 2nd Mortgage/Fixed Rate 80%    
60 Months   3.990% 4.177%
120 Months   4.875% 4.974%
180 Months   5.250% 5.320%
       
APR = Annual Percentage Rate
* Rates and Terms subject to change without notice. Other interest rates and terms may apply. Interest rates offered may depend on credit history and certain minimum credit scoring qualifications. This listing is not an offer of credit.  Business transacted at Cardinal Community Credit Union is governed by the laws of the State of Ohio.
** For the Home Equity Line of Credit, the rate is PRIME minus .26%.  Rates and Terms subject to change without notice.