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Member Rates

Savings   Checking   Certificates   Loans   Mortgage



 Savings Rates

Projected for 3rd Quarter 2014

Type of Account

Current Quarter Projected Rate*

Share Account (Savings)

0.05%

Christmas Club

0.10%

Special Savings
         $500 - $9999.99
         $10,000 and over


0.10%
0.20%


*Rates stated as Annual Percentage Rate (APR).

The dividend rates and annual percentage yields may change every dividend period. The dividend rates are determined by the Credit Union Board of Directors and are declared on a quarterly basis. You must maintain a minimum daily balance of $100 in your account each day to obtain the disclosed annual percentage yield. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.



 IRA Rates

Projected for 3rd Quarter 2014

Type of Account

Current Quarter Projected Rate*

IRA Accounts

0.50%


*Rates stated as Annual Percentage Rate (APR).

The dividend rates are determined by the Credit Union Board of Directors and are declared on a quarterly basis. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.



 Checking Rates

Projected for 3rd Quarter 2014

Type of Account

Current Quarter Projected Rate*

Priority Checking

0.05%

1st Class Checking

0.05%


*Rates stated as Annual Percentage Rate (APR).

The dividend rates are determined by the Credit Union Board of Directors and are declared on a quarterly basis.



 Certificate Rates

As of May 8, 2014

Deposit Amount:
$1,000 minimum

APR

APY

6 - Month Certificate
(min. $2,500 - 6 Month only)

0.35%

0.35%

12 - Month Certificate

0.45%

0.45%

18 - Month Certificate

0.55%

0.55%

24 - Month Certificate

0.75%

0.75%

36 - Month Certificate

1.00%

1.00%



Rates are subject to change every Wednesday.
Minimum dollar deposit for the six month certificates is $2,500.00.
Rates are stated in Annual Percentage Rate (APR) and Annual Percentage Yield (APY). APY may be greater than stated APR based on compounding.



 Loan Rates

As of January 18, 2014

Type of Loan

Term

APR*
(as low as)

Share Secured

Variable-2% above dividend rate paid on shares securing loan.
Call for current rate.

Vehicle

36 Months
48 Months
60 Months
72 Months**
84 Months***

1.99%
1.99%
1.99%
1.99%
5.99%

Motorcycles

36 Months
48 Months
60 Months
72 Months**

2.99%
2.99%
2.99%
3.99%

Other Secured
(Includes Watercraft / Recreational Vehicles and Campers)

36 Months
48 Months
60 Months
72 Months**
84 Months***

2.99%
2.99%
2.99%
3.99%
6.99%

Signature

12 months
24 Months
36 Months
48 Months
60 Months

5.00%
6.00%
7.00%
8.00%
9.00%


*APR=Annual Percentage Rate and is based on credit worthiness.

Rates are subject to change.

**72 month term available for loans in excess of $20,000.
***84 month term available for loans in excess of $30,000.
Call the Credit Union to confirm rates.



  Mortgage Rates

As of March 22, 2013

Type of Loan

Term

APR*
as low as

1st Mortgage**
(Maximum $200,000)
(Maximum LTV=80%)

30 Years
20 Years
15 Years

4.99%
4.29%
3.99%

Home Equity
(Maximum $100,000)
(Maximum LTV=90%)

10 Years
5 Years

3.99%
3.49%


*APR=Annual Percentage Rate and is based on credit worthiness.

**Some fees may apply. For example, appraisal fees, mortgage credit bureau fee, etc.
 

Rates are subject to change daily. New money only.





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NCUA Insured

Your savings federally insured to
at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

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We do business in accord-
ance with the Federal Fair
Housing Law and the Equal
Credit Opportunity Act.

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ęCopyright 2012 Chattanooga Federal Employees Credit Union. All Rights Reserved.
2011 Stein Drive, P.O. Box 22205, Chattanooga, TN 37422-2205
423-892-3738, Fax: 423-499-5185, cfecu@cfecu.coop