Cottonwood Community Federal Credit Union offers competitive rates for any of your loan needs.
Rates subject to change.
LOAN RATES |
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| Loan Type | Maximum Term | Rates (APR)* |
| Share Secured | Varies | Earning Rate +1.00% |
| Minimum APR = 5.75%
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| New Vehicles (2-years old or newer) |
Up to 84 months (100% of purchase price, NADA or Kelly Guide) |
5.75%-15.75% |
| Used Vehicles | Up to 72 months (100% of purchase price, NADA or Kelly Guide) |
5.75%-16.00% |
| Campers/Motorhomes/ATV | Up to 120 months | 6.25%-16.25% |
| Rates based on credit history, down payment and term of the loan
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| Signature | Up to 60 months | 10.25%-16.00% |
| Overdraft Protection | Revolving | 8.90%-14.90% |
| Minimum payment is determined by amount of credit line, with a minimum payment of not less than $20.00 per month.
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| Manufactured Homes No Real Estate |
Contact credit union for terms | 12.50% |
| Real Estate (Commercial & Noncommercial) |
Contact credit union for terms | 8.25%-15.00% |
| Home Loans | Contact credit union for terms | 5.50%-12.25% |
| Construction Loans | Call credit union | |
| Operating Loans / Member Business Loans |
Contact credit union for terms | 8.25%-14.50% |
| Equipment Loans | Contact credit union for terms | 8.25%-14.50% |
VISA Credit Cards |
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| Loan Type | Maximum Term | Rates (APR)* |
| VISA Credit Cards | Revolving | 8.90%-14.90% |
*APR = Annual Percentage Rate
*Rates are estimated for the month. Dividends declared monthly.
SHARE DRAFTS |
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| Account Type | Fees | Dividend Rate | APY*** |
| Share Draft Accounts | No Monthly Fees | 0.00% | 0.00% |
CERTIFICATE RATES** |
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| Term | Minimum Balance | Dividend Rate | APY*** |
| 6 months | $500.00 | 3.50% | 3.55% |
| 9 months | $500.00 | 3.50% | 3.55% |
| 1 Year | $500.00 | 4.25% | 4.32% |
| 18 months | $500.00 | 4.00% | 4.06% |
| 2 Years | $500.00 | 4.50% | 4.58% |
| 3 Years | $500.00 | 4.00% | 4.06% |
| 4 Years | $500.00 | 4.00% | 4.06% |
| 5 Years | $500.00 | 4.00% | 4.06% |
| Student 1-3 Years | $500.00 | 4.00% | 4.06% |
| CERTIFICATE RATES EFFECTIVE 02/08/2023 | |||
**Dividends paid quarterly from certificate origination or renewal date.
***APY=Annual Percentage Yield. Rates are subject to change without notice. Please contact your credit union to confirm dividends/rates and for terms and further information applicable to the advertised rates and accounts. Fees may reduce earnings on all accounts. Early withdrawal penalties may apply to all certificates.