Rates Charts

New Auto | Used Auto | New Boats, Campers and RVs | ATV, UTV, and Non-Harley Davidson Motorcylces |Consumer Loans | Unsecured Loans - Personal Loans | Credit Cards | Home Loans | Savings | Money Market | Certificates, IRA & Roth

 

New Auto:
Term in Months Rates As Low As* Monthly Payment Per $1,000 Borrowed
1-63 1.99% A.P.R. $16.76
64-75 2.79% A.P.R. $14.58
76-84 3.59% A.P.R. $13.52

*Annual Percentage Rate. Rate based on your credit history. Your actual rate may be higher. Rates effective April 22, 2013. Rates subject to change without notice. Payments based on maximum term.

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No Hidden Fees or Application Charges

Used Auto:
Term in Months Rates As Low As* Monthly Payment Per $1,000 Borrowed
1-63 2.29% A.P.R. $16.90
64-75 2.99% A.P.R. $14.67
76-84 3.99% A.P.R. $13.72

*Annual Percentage Rate. Rate based on your credit history and model year of vehicle. Your actual rate may be higher. Rates effective February 1, 2014. Rates subject to change without notice. Payments based on maximum term.

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No Hidden Fees or Application Charges

Boat, Camper and RV:
Term in Months Rates As Low As* Monthly Payment Per $1,000 Borrowed
1-63 4.09% A.P.R. $17.73
64-84 6.29% A.P.R. $14.83
85-120 7.79% A.P.R. $12.10

*Annual Percentage Rate. Rate based on your credit history. Your actual rate may be higher. Rates effective August 1, 2013. Rates subject to change without notice. Payments based on maximum term.

Get Your Boat, Camper or RV Today

No Hidden Fees or Application Charges

ATV, UTV, and Non-Harley Davidson Motorcylces:
Term in Months Rates As Low As* Monthly Payment Per $1,000 Borrowed
1-63 4.09% A.P.R. $17.73
64-75 6.29% A.P.R. $16.25
76-84 7.79% A.P.R. $15.59

*Annual Percentage Rate. Rate based on your credit history. Your actual rate may be higher. Rates effective August 1, 2013. Rates subject to change without notice. Payments based on maximum term.

Consumer Loans:
Term in Months Rates As Low As* Monthly Payment Per $1,000 Borrowed
(Not Applicable) 8.49% A.P.R. $30.00

*Annual Percentage Rate. Rate based on your credit history. Your actual rate may be higher. Rates subject to change without notice. Payments based on maximum term.

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No Hidden Fees or Application Charges

Unsecured Loans - Personal Loans:
Term Rates As Low As* Monthly Payment Per $1,000 Borrowed
Line Of Credit 10.40% A.P.R. $30.00

*Annual Percentage Rate. Rate based on your credit history. Your actual rate may be higher. Rates subject to change without notice. Payments based on maximum term.

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No Hidden Fees or Application Charges

Credit Cards:
Type of Credit Card  
Click here to see our rates and disclosures  

Get Your Card Today

No Annual Fees!

Mortgage Rates:
First Mortgage Products Interest Rates A.P.R.*
3 Year Convertible Rate (3/1) 2.875% 2.997%
5 Year Convertible Rate (5/1) 3.000% 3.026%
7 Year Convertible Rate (7/1) 3.125% 3.221%
10 Year Convertible Rate (10/1) 3.375% 3.505%
10 Year Fixed Rate 3.125% 3.222%
15 Year Fixed Rate 3.250% 3.318%
20 Year Fixed Rate 4.250% 4.309%
30 Year Fixed Rate Call Call
3 Year Balloon Loan (Residential Lots) 5.625% 5.730%
Second Mortgage Products Interest Rates A.P.R.*
5 Year Fixed Rate Loan 4.000% 4.204%
10 Year Fixed Rate Loan 4.375% 4.486%
15 Year Fixed Rate Loan 5.375% 5.460%

Information and Rates Are Effective Beginning July 24, 2014.

*All Interest Rates Subject to Change Without Notice. All cash out refinances may be subject to additional fees. Loans may be subject to additional fees based on loan type and loan to value.

Jumbo Loan Products - All loan amounts over $417,000.00 are considered Jumbo Loan Products. Please call for current rate for this product.
Home Equity Loan Property Products Interest Rates A.P.R.*
Home Equity Loan (Up to 100% Loan to Value) - Rates as low as

3.500%

3.500%

Investment Property Products Interest Rates A.P.R.*
3 Year Convertible Rate (3/1) 4.375% 4.515%
5 Year Convertible Rate (5/1) 4.500% 4.750%
15 Year Fixed Rate Commonwealth Credit Union Loan 4.875% 5.479%

*Annual Percentage Rate (A.P.R.) estimate based on $100,000.00 loan amount and 360 months unless otherwise stated for 1st mortgages and $50,000.00 for 2nd mortgages.
*Annual Percentage Rate. Rate based on your credit history. Your actual rate may be higher. Rates subject to change without notice.
Primary Residence: Purchase-Up to 95% of appraised value or purchase price, whichever is less.
*Total land value can not exceed 30% of total appraised value. Commonwealth Credit Union will finance a home and up to 20 acres.
* Private Mortgage Insurance may be required.

Maximum Limit
First Mortgage = $417,000.00 | Second = $50,000.00 | Home Equity = $100,000.00.
Minimum Limit
First Mortgage = $10,000.00 | Second = $1,000.00 | Home Equity = $1,000.00

Investment Properties
Require 6 months PITI in reserves after closing. All loans subject to a minimum of 1.75% Origination Fee. All loans are to be escrowed for taxes and insurance. Minimum loan amount $50,000.00.

HELP Loans
On the anniversary date: Interest rate is set at Prime Rate as reported in the Wall Street Journal plus the appropriate index based on loan type. The caps are 2% per year and 6% over life of the loan. Loans can be either first or a second mortgage.

ARM Loans
On the anniversary date: Interest rate is set at the weekly average yield on the 12 month T-Bill as reported in the Wall Street Journal plus the appropriate margins for First Mortgages. Caps are 2% per year and 6% over life of the loan.

Residential/Unimproved Land
We will finance up to 80% of appraised value or purchase price, whichever is less; minimum amount $10,000.00; maximum amount $75,000.00; 3 year balloon. Maximum loan term is 180 months.

3, 5, 7 and 10 Year Convertible Loans
After fixed period, rate converts to the weekly average yield on the 12 month T-Bill as reported in the Wall Street Journal plus the appropriate margins on the First Mortgages. The Caps are 2% per year and 6% over life of the loan. 10 year minimum term on first mortgage convertible products.

All Commonwealth Credit Union second mortgage fixed rate loans
will loan up to 80% of the appraised value. Maximum loan amount $50,000.00

All Commonwealth Credit Union first mortgage fixed rate loans (new purchase)
can finance up to 95% LTV with PMI approval.

Escrows
Escrows are required on all first mortgage products with a loan value over 80%.

CALL TODAY FOR ADDITIONAL INFORMATION AND AN APPOINTMENT
502-564-4775 OR 800-228-6420

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Savings, IRA, Roth, Club & Checking: July 2014
Checking Accounts Dividend Rate *APY
CommonWEALTH Checking Account 0.10% 0.10% APY*
Leap Checking Account 0.10% 0.10% APY*

No Minimum Balance. No Per Check or Monthly Fees. Even Pays You Interest

Savings Accounts Dividend Rate *APY
Ready Access Account 0.10% 0.10% APY*
Vacation Club Account 0.10% 0.10% APY*
Christmas Savings 0.10% 0.10% APY*
Round Up Savings 5.00% 5.00% APY*

**Round up savings is only for funds transferred from the Round UP Checking account. No additional deposits allowed. Dividends paid annually and subject to change without notice.

High Yield Savings - Credit Union Dividend Rates are declared by the Credit Union Board of Directors at the end of the month (and are subject to change). Dividends are paid and compounded monthly based on your average daily balance. Dividends are paid from date of deposit to date of withdrawal
All Amounts Dividend Rate *APY
$5 - $9,999
0.10% 0.10% APY*
$10,000 to $24,999
0.10% 0.10% APY*
$25,000 to $49,999
0.15% 0.15% APY*
$50,000 to $99,999
0.15% 0.15% APY*
$100,000 and up
0.15% 0.15% APY*
IRA/Roth Savings 0.15%
0.15% APY*
Money Market Accounts:
Average Daily Balance

Dividend Rate

*APY
$100,000 and up 0.20% 0.20% APY*
$50,000 to $99,999 0.15% 0.15% APY*
$25,000 to $49,999 0.15% 0.15% APY*
$10,000 to $24,999 0.15% 0.15% APY*
$2,500 to $9,999 0.10% 0.10% APY*

Dividend Rates subject to change without notice. Dividends are paid and compounded monthly based on average daily balance. If balance falls below $2500 anytime during month, no dividends will be paid. Dividend Rate as of July 2014.

Certificates: Savings, IRA & Roth Rates:
As of July 24, 2014
Dividend Rate *APY
12 Month Building Block Certificate** $250 Min. 0.20% 0.20% APY*
6 to 11 Months Certificate or IRA Certificate $1,000 Min. 0.20% 0.20% APY*
12 to 17 Months Certificate or IRA Certificate $1,000 Min. 0.40% 0.40% APY*
18 to 23 Months Certificate or IRA Certificate $1,000 Min. 0.40% 0.40% APY*
24 to 35 Months Certificate or IRA Certificate $1,000 Min. 0.55% 0.55% APY*
36 to 47 Months Certificate or IRA Certificate $1,000 Min. 0.80% 0.80% APY*
48 to 59 Months Certificate or IRA Certificate $1,000 Min. 1.00% 1.00% APY*
60 Months and Up Certificate or IRA Certificate $1,000 Min. 1.44% 1.45% APY*

Dividend Rates are subject to change without notice. Dividends are paid and compounded Monthly. Substantial Penalties apply for early withdrawal.
*Annual Percentage Yield assuming dividends are reinvested. Call For Current Rates.
**Building Block available in Savings Certificates only.
Maximum deposit for Building Block is $999.99

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Commonwealth Credit Union Fee Schedule