SAVINGS ACCOUNT RATES
*Rates accurate as of January 21, 2025
| RATE | APY* | |
| Regular Savings | 0.10% | 0.10% |
Dividends are paid quarterly.
*APY = Annual Percentage Yield. Rates Subject to Change
Charges may reduce earnings on the account. Click here for the Schedule of Service Charges.
| SAVINGS TIERS | RATE | APY* |
| Navigator Savings ($0.00 – $499.99) | 4.18% | 4.25% |
| Navigator Savings ($500.00 – $999.99) | 4.91% | 5.00% |
| Navigator Savings ($1000.00 – $2,499.99) | 2.48% | 2.50% |
| Navigator Savings ($2,500.00+) | 0.50% | 0.50% |
*APY = Annual Percentage Yield. Rates subject to change. No minimum balance is required. Limit 1 per membership. Checking with a debit card required to open account. Not eligible for combination with business or youth checking accounts. Charges may reduce earnings on account. Click here for the Schedule of Service Charges.
| RATE | APY* | |
| Advantage Savings (Balances of $100,000 or more) | 1.24% | 1.25% |
Dividends are paid quarterly. Balances below $100,000 will earn Regular Savings rate.
APY = Annual Percentage Yield. Rates Subject to Change
Charges may reduce earnings on the account. Click here for the Schedule of Service Charges.
| RATE | APY* | |
| Explorer Savings | 1.98% | 2.00% |
Dividends are paid quarterly.
*APY = Annual Percentage Yield. Rates Subject to Change
Charges may reduce earnings on the account. Click here for the Schedule of Service Charges.
| RATE | APY* | |
| Holiday Club | 0.20% | 0.20% |
Dividends are paid annually.
*APY = Annual Percentage Yield. Rates Subject to Change.
**Early withdrawal charges will apply. Withdrawal charges effective 01.01.2024. Charges may reduce earnings on the account. Click here for the Schedule of Service Charges.
CHECKING ACCOUNT RATES
*Rates accurate as of January 21, 2025
| Venture Checking | RATE | APY* |
| Earn 3.00%* interest on balances up to $5,000 | 2.96% | 3.00% |
Dividends are paid monthly. To qualify for interest, you must have a monthly direct deposit totaling at least $200 into your Venture Checking account, use your CWCU debit card 10 times/month, active online banking, eStatements, and eNotices.
*APY = Annual Percentage Yield. Rates subject to change.
Charges may reduce earnings on the account. Click here for the Schedule of Service Charges.
| RATE | APY* | |
| Navigator Checking | 0.00% | 0.00% |
Overdraft forgiveness includes up to 12 NSF/non-return fees refunded over the life of the account. To qualify for a fee reversal, member must have an active online banking, eStatements, and eNotices.
*APY = Annual Percentage Yield. Rates Subject to Change
Charges may reduce earnings on the account. Click here for the Schedule of Service Charges.
| RATE | APY* | |
| Explorer Checking (Earn 3.00%* interest on balances up to $5000) | 2.96% | 3.00% |
Dividends are paid monthly.
*APY = Annual Percentage Yield. Rates Subject to Change
Charges may reduce earnings on the account. Click here for the Schedule of Service Charges.
| ACCOUNT TIERS | RATE | APY* |
| Money Market ($0.00 – $9,999) | 0.50% | 0.50% |
| Money Market ($10,000 – $49,999) | 0.99% | 1.00% |
| Money Market ($50,000 – $99,999) | 3.20% | 3.25% |
| Money Market ($100,000 – $249,999) | 3.93% | 4.00% |
| Money Market ($250,000 – $999,999) | 4.17% | 4.25% |
| Money Market ($1,000,000+) | 4.22% | 4.30% |
Dividends are paid monthly.
*APY = Annual Percentage Yield.
Rates are subject to change after account opening.
Charges may reduce earnings on the account. Click here for the Schedule of Service Charges.
| RATE | APY* | |
| Health Savings Account (HSA) | 1.98% APR | 2.00% |
Dividends are paid monthly.
*APY = Annual Percentage Yield. Rates Subject to Change
Charges may reduce earnings on the account. Click here for the Schedule of Service Charges.
| TERM | RATE | APY* |
| 6 – 11 Month CD | 3.69% | 3.75% |
| 12 – 17 Month CD | 3.94% | 4.00% |
| 18 – 23 Month CD | 3.69% | 3.75% |
| 24 – 35 Month CD | 3.45% | 3.50% |
| 36 – 47 Month CD | 3.21% | 3.25% |
| 48 – 59 Month CD | 3.21% | 3.25% |
| 60 Month CD | 3.21% | 3.25% |
*APY = Annual Percentage Yield. Rates Subject to Change. Penalty may be imposed for early withdrawal.
Charges may reduce earnings on the account. Click here for the Schedule of Service Charges.
| RATE | APY* | |
| Holiday Club | 0.20% | 0.20% |
Dividends are paid annually.
*APY = Annual Percentage Yield. Rates Subject to Change.
**Early withdrawal charges will apply. Withdrawal charges effective 01.01.2024. Charges may reduce earnings on the account. Click here for the Schedule of Service Charges.
CERTIFICATE OF DEPOSIT RATES
*Rates accurate as of January 21, 2025
| TERM | RATE | APY* |
| 6 – 11 Month CD | 3.69% | 3.75% |
| 12 – 17 Month CD | 3.94% | 4.00% |
| 18 – 23 Month CD | 3.69% | 3.75% |
| 24 – 35 Month CD | 3.45% | 3.50% |
| 36 – 47 Month CD | 3.21% | 3.25% |
| 48 – 59 Month CD | 3.21% | 3.25% |
| 60 Month CD | 3.21% | 3.25% |
| Explorer (Youth) CD: 12-month term | 3.94% | 4.00% |
*APY = Annual Percentage Yield. Rates Subject to Change. Penalty may be imposed for early withdrawal.
Charges may reduce earnings on the account. Click here for the Schedule of Service Charges.
| TERM | RATE | APY* |
| 6 – 11 Month CD | 3.69% | 3.75% |
| 12 – 17 Month CD | 3.94% | 4.00% |
| 18 – 23 Month CD | 3.69% | 3.75% |
| 24 – 35 Month CD | 3.45% | 3.50% |
| 36 – 47 Month CD | 3.21% | 3.25% |
| 48 – 59 Month CD | 3.21% | 3.25% |
| 60 Month CD | 3.21% | 3.25% |
*APY = Annual Percentage Yield. Rates Subject to Change. Penalty may be imposed for early withdrawal.
Charges may reduce earnings on the account. Click here for the Schedule of Service Charges.
LOAN RATES
*Rates accurate as of January 21, 2025
Auto and Recreational Vehicle Loans
| New & Used Auto Loans (2025-2021) | APR* (as low as) |
| 36-month term | 5.95% |
| 48-month term | 5.95% |
| 60-month term | 5.95% |
| 72-month term | 5.95% |
| 84-month term | 6.70% |
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Payment per $1,000 borrowed at 5.95% APR is $16.55 per 72-month term. Autos with over 100,000 miles are subject to an additional .50% rate increase. Certain loans may have more requirements.
| Used Auto Loans (2020 – 2015) | APR* (as low as) |
| 36-month term | 6.70% |
| 48-month term | 6.70% |
| 60-month term | 6.70% |
| 72-month term | 6.70% |
| 84-month term | 7.45% |
| Older Autos (2014 and older, up to 60-month term) | 12.00% |
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Payment per $1,000 borrowed at 6.70% APR is $16.91 per 72-month term. Autos with over 100,000 miles are subject to an additional .50% rate increase. Certain loans may have more requirements.
| Electric/Hybrid Loans (2025-2021) | APR* (as low as) |
| 36-month term | 4.95% |
| 48-month term | 4.95% |
| 60-month term | 4.95% |
| 72-month term | 4.95% |
| 84-month term | 5.70% |
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Payment per $1,000 borrowed at 4.95% APR is $16.09 per 72-month term. Vehicles with over 100,000 miles are subject to an additional .50% rate increase. Certain loans may have more requirements.
| Electric/Hybrid Loans (2020-2015) | APR* (as low as) |
| 36-month term | 5.70% |
| 48-month term | 5.70% |
| 60-month term | 5.70% |
| 72-month term | 5.70% |
| 84-month term | 6.45% |
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Payment per $1,000 borrowed at 5.70% APR is $16.44 per 72-month term. Vehicles with over 100,000 miles are subject to an additional .50% rate increase. Certain loans may have more requirements.
| TERM | APR* (as low as) |
| 12–60 Month Loan | 10.00% |
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Payment per $1,000 borrowed at 10.00% APR is $21.25 per 60-month term. Certain loans may have more requirements.
| First Time Car Buyer Loan (ages 18 – 24) | APR* (as low as) |
| First Car Loan (2025-2021) | 7.95% |
| First Car Loan (2020-2015) | 8.70% |
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Payment per $1,000 borrowed at 7.95% APR is $15.57 per 84-month term. Autos with over 100,000 miles are subject to an additional .50% rate increase. Certain loans may have more requirements. Member can not have a previous car payment on their credit report. A co-signer is required.
| New & Used RV Loans / Recreational Vehicle Loans (2025-2024) | APR* (as low as) |
| 60-month term | 6.50% |
| 84-month term | 7.00% |
| 120-month term | 7.50% |
| 180-month term | 9.00% |
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Payment per $1,000 borrowed at 6.50% APR is $19.57 per 60-month term. Vehicles over 100,000 miles are subject to an additional .50% rate increase. Certain loans may have more requirements.
| Used RV Loans / Recreational Vehicle Loans (2023 – 2015) | APR* (as low as) |
| 60-month term | 7.50 % |
| 84-month term | 8.00% |
| 120-month term | 8.50% |
| 180-month term | 10.00% |
| Older RVs (2014 and older, up to 60-month term) | 12.00% |
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Payment per $1,000 borrowed at 7.50% APR is $20.04 per 60-month term. Vehicles over 100,000 miles are subject to an additional .50% rate increase. Certain loans may have more requirements.
Other Loan Solutions
| CARD TIERS | APR* |
| Platinum | 9.99% |
| Gold | 12.99% |
| Classic | 16.99% |
| Classic Secured | 16.99% |
*APR = Annual Percentage Rate. Subject to change. Approval and rates based on credit worthiness.
| TERM | APR* (as low as) |
| 12–60 Month Personal Loan | 12.00% |
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Payment per $1,000 borrowed at 12.00% APR is $22.25 per 60-month term. Certain loans may have more requirements.
| Line of Credit | APR** (as low as) |
| Prime* + 7.00% Monthly Variable | 14.50% |
*Prime Rate as of 01-01-2025: 7.50% APR
**APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Certain loans may have more requirements.
| APR* (as low as) | |
| Credit Builder | CD Rate + 8.00% |
12 Month Repayment term
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Payment per $1,000 borrowed at 12.25% APR is $88.98 per 12-month term. Certain loans may have more requirements.
School & Tuition Loans
| APR* (as low as) | |
| Student Laptop Loan | 0.00% |
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Certain loans may have more requirements.
| APR* (as low as) | |
| CWCU Tuition Loan | 5.75% |
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Certain loans may have more requirements.
| APR* (as low as) | |
| CUSC Tuition Loan – Variable Rate** | 7.50% |
| CUSC Tuition Loan – Fixed Rate*** | 7.00% |
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Certain loans may have more requirements.
** Variable Rate Option: the repayment term is 20 years if your principal balance at repayment is $40,000 or less, and 25 years if your principal balance at repayment is more than $40,000.
***Fixed Rate Option: the repayment schedule is fixed at 10 years regardless of the amount you borrow. Full repayment begins at the end of the grace period, unless full repayment is selected during enrollment.
| 5 Year APR* | 10 Year APR* | 15 Year APR* | |
| Variable Rate | 6.00% | 6.75% | 7.50% |
| Fixed Rate | 6.00% | 7.00% | 8.00% |
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Certain loans may have more requirements. View full program information and disclosures here.
HOME LOAN RATES
*Rates accurate as of January 21, 2025
| Home Equity Loan – Fixed Rates | LOAN-TO-VALUE | APR* (as low as) |
| Fixed Rate Up to 120 Months | Less or equal to 80.00% | 7.50% |
| Fixed Rate Up to 180 Months | Less or equal to 80.00% | 7.74% |
| Fixed Rate Up to 120 Months | Between 81.00% to 95.00% | 7.75% |
| Fixed Rate Up to 180 Months | Between 81.00% to 95.00% | 7.99% |
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Appraisal may be required. Payment per $1,000 borrowed at 7.50% APR is $11.88 per 120-month term. Certain loans may have more requirements.
| HELOC – Variable Rates | LOAN-TO-VALUE | APR** (as low as) |
| Prime Equity (Prime* -.50%) | Less or equal to 95.00% CLTV | 7.00% |
*Prime Rate as of 01-01-2025: 7.50% APR. 3.00% APR Floor.
**APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Appraisal may be required. Must have property insurance and be able to provide proof upon request. Certain loans may have more requirements. The maximum annual percentage rate may be imposed in a variable-rate plan. Member should consult a tax adviser for further information on tax deductibility.
All other home loan rates can be viewed here.