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Rates

Savings Account Rates

 Min. To Earn APYRateAPY*
Youth Account (Minimum $1.00 to open) $.01 to $2,499.99 0.10 0.10
  $2,500.00 to $9,999.99 0.15 0.15
  $10,000.00 and over 0.15 0.15
Regular and IRA Savings Accounts $.01 to $99.99 0.00 0.00
  $100.00 to $2,499.99 0.10 0.10
  $2,500.00 to $9,999.99 0.15 0.15
  $10,000.00 and over 0.15 0.15
Health Savings Account $.01 to $2,499.99 0.15 0.15
  $2,500.00 and over 0.20 0.20
Club and Escrow $.01 to $99.99 0.00 0.00
  $100.00 to $2,499.99 0.10 0.10
  $2,500.00 to $9,999.99 0.15 0.15
  $10,000.00 and over 0.15 0.15
*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 APYRateAPY*
Consumers’ Choice Free Checking No minimum/no fee. 0.00 0.00
Young Adult Checking** No minimum/no fee. 0.00 0.00
Members' Advantage Dividend Checking $500 Minimum Monthly Average Balance to Earn Dividends. 0.05 0.05
Investors’ Advantage Dividend Checking*** $1,000 Minimum Monthly Average Balance to Earn Dividends. 0.10 0.10
*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 APYRateAPY*
Investors' Advantage Money Market Account** $.01 to $2,499.99 0.00 0.00
  $2,500 to $9,999.99 0.10 0.10
  $10,000 to $24,999.99 0.20 0.20
  $25,000 to $49,999.99 0.25 0.25
  $50,000 and over 0.30 0.30
Premier Advantage Money Market Account** $.01 to $59,999.99 0.00 0.00
  $60,000 and over 0.49 0.50
*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 BalanceRateAPY*
13 Month Special $500 for Savings IRA not offered 1.24 1.25
21 Month Monthly Allowance Certificate*** $5,000/$500 for Savings IRA not offered 1.24 1.25
23 Month Special (limited time only) $5,000 New Money for Savings IRA not offered***** 1.48 1.50
30 Month Special (limited time only) $500 for Savings $500 for IRA** 1.48 1.50

Certificates

 Minimum to open and obtain APYIRA OfferedRateAPY*
3 Month $500 for Savings $500 for IRA** Yes 0.44 0.45
6 Month $500 for Savings $500 for IRA** Yes 0.54 0.55
12 Month $500 for Savings $500 for IRA** Yes 0.69 0.70
24 Month $500 for Savings $500 for IRA** Yes 0.99 1.00
36 Month $500 for Savings $500 for IRA** Yes 1.24 1.25
48 Month $500 for Savings $500 for IRA** Yes 1.48 1.50
60 Month $500 for Savings $500 for IRA** Yes 1.68 1.70
9 Month Youth Certificate (CertifiKID) $100 for Savings No 0.54 0.55
18 Month Youth Certificate (CertifiKID) $100 for Savings No 0.99 1.00
36 Month Youth Certificate (CertifiKID) $100 for Savings No 1.24 1.25
12 Month Lucky Savers**** $25 for Savings No 0.69 0.70
12 Month iSave** $100 for Savings No 0.69 0.70
18 Month iSave** $100 for Savings No 0.99 1.00
36 Month iSave** $100 for Savings No 1.24 1.25
*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.
****Additional deposits are allowed to Lucky Savers Certificates and are encouraged in order to receive additional prize entries. One withdrawal is allowed during the term, but a $25 penalty will be assessed. New York law requires that a Lucky Savers Certificate be closed if a subsequent withdrawal is requested and processed during the term. An additional $25 early withdrawal fee will be assesed at the time of closure. Refer to the Lucky Savers Truth-in-Savings Disclosure and Official Lucky Savers Account and Prize Rules for complete program details.
*****Offer applies to new and existing CCFCU members who open a 23 Month Certificate with a minimum of $5,000 in New Money. “New Money” is defined as funds deposited into the Certificate that are not already on deposit in the Certificate or in another CAP COM FCU account. Current members may also roll in existing CAP COM funds in addition to the New Money.

Home Equity Line of Credit Rates

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

TermAPR*ParametersPositions/LTV1Draw Period
5 Years 3.125 Fixed 1st / 70% LTV 4 years
10 Years 3.625 Fixed 1st / 70% LTV 4 years
15 Years 3.875 Fixed 1st / 70% LTV 4 years
20 Years 4.750 Fixed 1st / 70% LTV 4 years
20 Years 5.250 Variable** 1st / 90% LTV 10 years
5 Years 3.625 Fixed 2nd / 70% LTV 4 years
10 Years 3.990 Fixed 2nd / 70% LTV 4 years
15 Years 4.500 Fixed 2nd / 70% LTV 4 years
20 Years 5.500 Fixed 2nd / 70% LTV 4 years
20 Years 5.250 Variable** 2nd - 90% LTV 10 years
20 Years 7.250 Variable** 2nd / 91-100% LTV 10 years
*Annual Percentage Rate
**Rate is subject to adjustment annually and the first rate adjustment will occur one year from the loan funding date.
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 2012-2017Model Years 2010-2011Model Years 2009 and Older
 Annual Percentage Rate
2 Years 1.99 2.24 4.99
3 Years 2.09 2.49 5.49
4 Years 2.19 2.74 5.74
5 Years 2.24 2.99 N/A
6 Years 2.49 N/A N/A
7 Years 3.74** 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 4.24 4.50
10 Years 8.74 9.24
*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

TypeAPR*
2yrs 6.49
3yrs 6.74
4yrs 6.99
5yrs 7.24
*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

TypeAPR*Parameters
Platinum Visa 9.90 Fixed
Classic Visa 13.90 Fixed
*Annual Percentage Rate

Education Loan Rates

  APR*Parameters
Academic Advantage 15 Years Prime + 4.00% APR 8.25 Variable
*Annual Percentage Rate. This is a variable rate loan and the rate may change.

Checking Line of Credit Rates

TypeAPR*Parameters
Checking Line of Credit 13.50 Variable
*Annual Percentage Rate. This is a variable rate loan and the rate may change.

Mortgage Rates

 RateAPR*PointsEstimated Payment
30-year Fixed 3.875 4.013 0.0 $705.35
20-year Fixed 3.625 3.813 0.0 $879.60
15-year Fixed 3.125 3.357 0.0 $1044.91
FHA 30-year Fixed 3.625 4.781 0.0 $684.08
*Annual percentage rate
 RateAPR*Points
10/1 ARM 3.125 3.690 0.0
7/1 ARM 2.875 3.735 0.0
5/1 ARM 2.375 3.713 0.0
*Annual percentage rate
†Adjustable rate mortgage
Mortgage products are offered by our Mortgage team, Homeowners Advantage. Mortgages in New York State only. Rates as of 6/27/2017 10:47 AM. 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

 RateAPY*
Commercial Savings 0.10 0.10
Commercial Club 0.10 0.10
*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 APYRateAPY*
Organizational Checking No minimum/no fee 0.15 0.15
IOLA Checking $0 Minimum Average Daily Balance to Earn Dividends 0.15 0.15
Ease Checking $500 Minimum Daily Average Balance to Earn Dividends 0.05 0.05
Edge Checking $2,500 Minimum Daily Average Balance to Earn Dividends 0.10 0.10
Elite Checking $7,500 Minimum Daily Average Balance to Earn Dividends 0.10 0.10
*Annual Percentage Yield

Essential Money Market Rates

 Min. To Earn APYRateAPY*
Essential Money Market $.01 to $2,499.99 0.00 0.00
  $2,500 to $9,999.99 0.10 0.10
  $10,000 to $24,999.99 0.20 0.20
  $25,000 to $49,999.99 0.25 0.25
  $50,000 and over 0.30 0.30
Premier Money Market $.01 to $59,999.99 0.00 0.00
  $60,000 and over 0.49 0.50
*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

 RateAPY*
3 Month 0.44 0.45
6 Month 0.54 0.55
12 Month 0.69 0.70
24 Month 0.99 1.00
36 Month 1.24 1.25
48 Month 1.48 1.50
60 Month 1.68 1.70
*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

 RateAPY*
13 Month Special 1.24 1.25
21 Month Monthly Allowance Certificate** 1.24 1.25
23 Month Special*** (limited time only) 1.48 1.50
30 Month Special 1.48 1.50
*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.
***Offer applies to new and existing CCFCU members who open a 23 Month Business Certificate with a minimum of $5,000 in New Money. “New Money” is defined as funds deposited into the Certificate that are not already on deposit in the Certificate or in another CAP COM FCU account. Current members may also roll in existing CAP COM funds in addition to the New Money.
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.