Rates
Loan and Deposit Rates
Rates current as of April 2024
Savings
| Product | Minimum to Earn | APY* | |
|---|---|---|---|
| Share/Savings | $100 | 0.20% | Open Now |
| Holiday Helper | $100 | 0.25% | Open Now |
| IRA Savings (Traditional) | $250 | 0.50% | Open Now |
| IRA Savings (Roth) | $250 | 0.50% | Open Now |
*Annual Percentage Yield. All rates subject to change without notice. A penalty may be imposed for early withdrawal of funds. Minimum opening deposit required, please see disclosure for details. Fees may reduce earnings. Rates subject to change without notice.
Checking
| Product | Minimum to Earn | APY* | |
|---|---|---|---|
| Money Market | $2,500 + | 1.65% | Open Now |
| Money Market | $25,000 + | 1.75% | Open Now |
| Money Market | $50,000 + | 1.85% | Open Now |
| Money Market | $100,000 + | 1.95% | Open Now |
| Regular Checking ** | $2,500 | 0.10% | Open Now |
*Annual Percentage Yield. Minimum opening deposit required, please see disclosure for details. Fees may reduce earnings. Rates subject to change without
notice.
**You will earn the Prospective Annual Percentage Yield corresponding to the highest
daily balance attained each day of the dividend period on the entire balance of your account.
CDs, Roth IRA and IRA Certificates
| Term | APY* | |
|---|---|---|
| 6 Months (regular CD only) | 4.50% | Learn More |
| 12 Months | 5.00% | Learn More |
| 24 Months | 4.25% | Learn More |
| 36 Months | 4.00% | Learn More |
| 48 Months | 3.80% | Learn More |
| 60 Months | 3.75% | Learn More |
*Annual Percentage Yield. Minimum balance to open and earn for Regular and IRA Certificates is $1,000. A penalty may be imposed for early withdrawal of funds prior to the maturity date. Fees may reduce earnings, please see disclosure. Rates subject to change without notice.
Member funds in City CU accounts are federally protected up to $250,000 by the National Credit Union Insurance Fund (NCUSIF) which is administered by NCUA, the National Credit Union Association.
New or Used Auto Loans
| Months | Rate (APR*) | |
|---|---|---|
| 24 | 4.49 - 17.99% | Apply Now |
| 36 | 4.49 - 17.99% | Apply Now |
| 48 | 4.99 - 17.99% | Apply Now |
| 60 | 4.99 - 17.99% | Apply Now |
| 72 | 5.99 - 17.99% | Apply Now |
*Annual Percentage Rate. Actual rates and terms may vary based on credit score. Additional discounts may be available. Fees may increase APR. Rates subject to change without notice.
Credit Cards
| Card | APR* | APR* for Cash Advances | Grace Period | Min. Finance Charge | |
|---|---|---|---|---|---|
| Platinum Mastercard® | 12.99% | 12.99% | 20 – 25 days | None | Apply Now |
*Annual Percentage Rate. Variable Rate. Fees may increase APR. Late Fee: up to $25.00. Returned Payment Fee: up to $25.00. Please see disclosure for more details. Method of computing balance for calculating finance charge: average daily balance including new purchases.
Personal and Personal Line of Credit Loans
| Type | APR* | |
|---|---|---|
| Signature Loan | 12.99% | Apply Now |
| Line of Credit | 12.99% | Apply Now |
*Annual Percentage Rate. Actual rates and terms may vary based on credit score. Fees may increase APR. Rates subject to change without notice.
RV, Motorcycle and Boat Loans
| Months | Rate (APR*) | |
|---|---|---|
| 24 | 7.99 - 17.99% | Apply Now |
| 36 | 7.99 - 17.99% | Apply Now |
| 48 | 7.99 - 17.99% | Apply Now |
| 60 | 7.99 - 17.99% | Apply Now |
| 72 | 8.99 - 17.99% | Apply Now |
*Annual Percentage Rate. Actual rates and terms may vary based on credit score. Additional discounts may be available. Fees may increase APR. Rates subject to change without notice.
Savings- and Savings CD-Secured Loans
| Type | Term | APR* | |
|---|---|---|---|
| Secured by Eligible Savings Account | Up to 60 Months | 3.00% over saving’s dividend rate | Apply Now |
| Secured by Eligible Certificate | Monthly payments sufficient to retire debt at or prior to certificate maturity date. |
3.00% over certificate rate | Apply Now |
| Secured by Eligible Certificate | Single payment maximum of 12 months or the maturity of the CD, whichever comes first. |
3.00% over certificate rate | Apply Now |
*Annual Percentage Rate. Fees may increase APR. Rates subject to change without notice.
Business Savings
| Product | Minimum to Earn | APY* |
|---|---|---|
| Association Savings | $100 | 0.20% |
| Business Savings | $500 | 0.20% |
*Annual Percentage Yield. A penalty may be imposed for early withdrawal of funds. Minimum opening deposit required; please see disclosure for details. Fees may reduce earnings. Rates subject to change without notice.
Business Checking
| Product | Minimum to Earn | APY* |
|---|---|---|
| Business Money Market | $2,500 + | 1.65% |
| Business Money Market | $25,000 + | 1.75% |
| Business Money Market | $50,000 + | 1.85% |
| Business Money Market | $100,000 + | 1.95% |
| Association Checking | N/A | N/A |
| Business Checking | N/A | N/A |
| Business Interest Checking | $2,500 | 0.10% |
*Annual Percentage Yield. Fees may reduce earnings. Minimum opening deposit required; please see disclosure for details. Rates subject to change without notice.
Business Certificates
| Term | APY* |
|---|---|
| 12 Months | 5.00% |
| 24 Months | 4.25% |
| 36 Months | 4.00% |
| 48 Months | 3.80% |
| 60 Months | 3.75% |
*Annual Percentage Yield. Minimum balance to open and earn for Regular Certificates is $1,000. A penalty may be imposed for early withdrawal of funds prior to the maturity date. Fees may reduce earnings; please see disclosure for details. Rates subject to change without notice.