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Rates

Savings Account Rates

  Min. To Earn APY Dividend Rate APY*
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
*Annual Percentage Yield. Rate and APY are variable and are subject to change after the account is opened. APY is accurate as of today‘s date. Minimum to open regular account is $25.00 and minimum to open youth account is $1.00. Minimum to earn the disclosed APY is specified above. Fees and other conditions may reduce earnings.

Checking Account Rates

  Min. To Earn APY Dividend Rate APY*
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
*Annual Percentage Yield. Rate and APY are variable and are subject to change after the account is opened. APY is accurate as of today‘s date. Fees and other conditions may reduce earnings.
**Must be 15-25 years old, 15-17 eligible only with adult joint owner
***Investors' Advantage Money Market required to open

Money Market Rates

  Min. To Earn APY Dividend Rate APY*
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
*Annual Percentage Yield. Rate and APY are variable and are subject to change after the account is opened. APY is accurate as of today‘s date. Minimum to open account is $25.00 and minimum to earn the disclosed APY is specified above. Fees and other conditions may reduce earnings.
**During any month, no more than a total of six (6) preauthorized automatic transfers, checks or ACH debits are allowed from a Money Market Account to a third party. There is no restriction on the number of cash withdrawals that can be made from the account. Dividends paid on full balance in the account based upon the rate that corresponds to the account balance.

Special Certificates

  Minimum Balance Dividend Rate APY*
 
 
 
 

Certificates

  Minimum to open and obtain APY IRA Offered Dividend Rate APY*
 
 
Yes
 
 
 
 
Yes
 
 
 
 
Yes
 
 
 
 
Yes
 
 
 
 
Yes
 
 
 
 
Yes
 
 
 
 
Yes
 
 
 
 
No
 
 
 
 
No
 
 
 
 
No
 
 
 
 
No
 
 
 
 
No
 
 
*Annual Percentage Yield. APY is accurate as of today’s date. Dividends are compounded daily and posted quarterly and fees and other conditions may reduce earnings. Penalties may apply for early withdrawal. Minimum to open and obtain APY for Share Certificates is specified above.
**Minimum balance waived if certificate is payroll deducted. Cash, check and account transfer deposits limited to $30,000 during the term of a non-IRA certificate. No limitation on the amount that can be deposited by payroll deduction (IRAs subject to maximum annual contribution limits).
***One withdrawal each calendar month up to $2,500 may be taken without penalty. One additional withdrawal of any amount may be taken penalty free throughout the term of the certificate. If subsequent withdrawals are made, a penalty may be assessed. A minimum amount of $5,000 is required to open the certificate and a $500 minimum is required to earn dividends.

Home Equity Line of Credit Rates

Ask about other rates and terms, including loan-to-values (LTVs) up to 90% and ZERO closing costs!

Fixed Rate Home Equity Line of Credit

Term APR* Positions/LTV1 Draw Period
 
 
 
4 years
 
 
 
4 years
 
 
 
4 years
 
 
 
4 years
 
 
 
4 years
 
 
 
4 years
 
 
 
4 years
 
 
 
4 years

Variable** Rate Home Equity Line of Credit

Term APR* Variable Index Positions/LTV1 Draw Period
 
2.99% intro rate for 12 months Prime + 0.00%
 
10 years
 
2.99% intro rate for 12 months Prime + 0.00%
 
10 years
 
5.99% intro rate for 12 months Prime + 3.00%
 
10 years
*Annual Percentage Rate.
**Intro rate effective for first 12 months. Rate is subject to adjustment annually and the first variable rate adjustment will occur one year from the loan funding date. The floor rate for loans with LTVs of up to 90% will be set at the time of loan funding and will be equal to the Prime Rate plus 1%. The floor rate for loans with LTVs between 91% - 100% shall be set at the time of funding and will be equal to the Prime Rate plus 3%. The floor rate set at the time of loan funding shall be in effect for the life of the loan and will be indicated on the loan agreement.
1A first position loan is the primary lien against your property - this is usually a traditional mortgage or can be in the form of a Home Equity Loan. A second position Home Equity Loan is on top of your first mortgage. Loan to Value. Total loan amount including first mortgage ÷ property value = LTV. For instance, an appraised value of $200,000 and a total mortgage (including any second mortgages) of $180,000 results in a loan to value ratio of 90%. Interest rates will increase based on loan to value.
Mortgages in New York State only. All Lines of Credit require a minimum initial advance of $5,000 and a minimum limit of $10,000. Other rates are available. Sample payment for a 15-year fixed loan at 4.00% is $7.40 per $1,000. Rates are subject to change without notice.
If the HELOC is paid and closed within 3 years of the closing date there is a recapture fee in which you will have to reimburse the Credit Union for all closing costs paid on your behalf.
CAP COM FCU NMLS Identifier: 401261.

Auto Loan Rates

All rates include .25% discount for automatic payments*
  Model Years 2013-2018 Model Years 2011-2012 Model Years 2010 and Older
  Annual Percentage Rate
2 Years
 
 
 
3 Years
 
 
 
4 Years
 
 
 
5 Years
 
 
N/A
6 Years
 
N/A N/A
7 Years
 
**
N/A N/A

New financing (MSRP + taxes + dealer fees)
Used (NADA retail value + taxes + dealer fees)
*All rates quoted are the lowest fixed rates and are for individuals with excellent credit, who select our automatic payment plan. Individuals with less than excellent credit and/or who do not elect our automatic payment plan may be offered a higher rate.
**7 Year Loans - Minimum $25,000, will finance up to 100%, available to credit worthy applicants.

RV / Boat Loan Rates

  APR* (New) APR* (Used)
5 Years
 
 
10 Years
 
 
*Annual Percentage Rate
All rates quoted are the lowest fixed rates and are for individuals with excellent credit. Individuals with less than excellent credit may be offered a higher rate.
All recreational vehicles must be registered and titled in New York State.

Personal Loan Rates

Type APR*
 
 
 
 
 
 
 
 
*Annual Percentage Rate
All rates quoted are the lowest fixed rates and are for individuals with excellent credit. Individuals with less than excellent credit may be offered a higher rate.

Credit Card Rates

Type APR* Parameters
 
 
Fixed
 
 
Fixed
*Annual Percentage Rate

Education Loan Rates

    APR* Parameters
 
 
 
Variable
*Annual Percentage Rate. This is a variable rate loan and the rate may change.

Checking Line of Credit Rates

Type APR* Parameters
 
 
Variable
*Annual Percentage Rate. This is a variable rate loan and the rate may change.

Mortgage Rates

  Rate APR* Points Estimated Payment
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
*Annual percentage rate
  Rate APR* Points
 
 
 
 
 
 
 
 
 
 
 
 
*Annual percentage rate
†Adjustable rate mortgage
Mortgage products are offered by our Mortgage Team, Homeowners Advantage (HOA), and are not NCUA insured. Homeowners Advantage is a subsidiary of CAP COM FCU. Mortgages in New York State only. Rates as of
 
. Information is based on a loan amount of $150,000, credit score above 740, and loan-to-value at or below 60%. Your actual annual percentage rate may be different. All rates are subject to change without notice.
ARM rates quoted are based on Credit Union membership at the time of loan disbursal and selection of our Automatic Payment Plan. Ask about other rates and terms.
If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums.
Rates are based on a purchase or no cash out refinance, cash out options may affect your rate.

Essential Savings Account Rates

  Dividend Rate APY*
 
 
 
 
 
 
*Annual Percentage Yield
$100 Minimum Average Daily Balance to Earn Dividends During any month, no more than a total of six (6) preauthorized automatic transfers, checks or ACH debits are allowed from a Money Market Account to a third party. There is no restriction on the number of cash withdrawals that can be made from the account. Dividends paid on full balance in the account based upon the rate that corresponds to the account balance.

Essential Checking Account Rates

  Min. To Earn APY Dividend Rate APY*
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
*Annual Percentage Yield

Essential Money Market Rates

  Min. To Earn APY Dividend Rate APY*
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
*Annual Percentage Yield
During any month, no more than a total of six (6) preauthorized automatic transfers, checks or ACH debits are allowed from a Money Market Account to a third party. There is no restriction on the number of cash withdrawals that can be made from the account. Dividends paid on full balance in the account based upon the rate that corresponds to the account balance.

Essential Certificate Rates

  Dividend Rate APY*
 
 
 
 
 
 
 
 
 
*Annual Percentage Yield
A minimum amount of $5,000 is required to open the certificate. Certificate dividends are compounded daily and posted quarterly. The APY on all accounts, except Certificates, may change after the account is opened. A penalty may be imposed for early withdrawals on Certificates. Fees and other conditions may reduce the earnings on some accounts. Accounts are insured by NCUA in accordance with federal regulations.

Essential Special Certificate Rates

  Dividend Rate APY*
 
 
 
*Annual Percentage Yield
**One withdrawal each calendar month up to $2500 may be taken without penalty. One additional withdrawal of any amount may be taken penalty free throughout the term of the certificate. If subsequent withdrawals are made, a penalty may be assessed. A minimum amount of $5,000 is required to open the certificate and a $5,000 minimum is required to earn dividends.
Certificate dividends are compounded daily and posted quarterly. The APY on all accounts, except Certificates, may change after the account is opened. A penalty may be imposed for early withdrawals on Certificates. Fees and other conditions may reduce the earnings on some accounts. Accounts are insured by NCUA in accordance with federal regulations.