YOUR SOUTHERN MARYLAND COMMUNITY CREDIT UNION

RATES

Current Rates

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Rate information is accurate as of 08.01.17

Please read the appropriate disclosures or contact the credit union if you would like a disclosure mailed to you.

Rates may be subject to change.

 

Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice. Rates shown are our Premium Loan Rates. No prepayment penalties apply.

AUTO

Description                    Term                               APR as low as          Monthly Payment Per $1000

New Auto*

36 months

48 months

60 months

72 months

84 months

1.99%

1.99%

1.99%

1.99%

2.49%

$28.64

$21.69

$17.52

$14.75

$12.98

Pre-Owned Auto

48 months

1 - 7 years old

60 months

1 - 7 years old

72 months

1 - 7 years old

48 months

8 - 10 years old

2.75%

2.99%

3.24%

3.99%

$22.02

$17.96

$15.30

$22.57

*CPFCU will finance up to 100% of purchase price. We cannot finance negative equity.

‡Based on NADA retail value

Minimum loan amounts apply. See the printable pdf for details.

MOTORCYCLE

Description                    Term                               APR as low as          Monthly Payment Per $1000

New Motorcycle*

36 months

48 months

60 months

72 months

84 months

3.99%

3.99%

3.99%

3.99%

4.49%

$29.52

$22.57

$18.41

$15.64

$13.90

48 months

1 - 7 years old

60 months

1 - 7 years old

72 months

1 - 7 years old

48 months

8 - 10 years old

4.75%

4.99%

5.24%

5.99%

Pre-Owned Motorcycle

$22.92

$18.87

$16.22

$23.48

*CPFCU will finance up to 100% of purchase price. We cannot finance negative equity.

‡Based on NADA wholesale value.

Minimum loan amounts apply. See the printable pdf for details.

BOAT & RV

Description                    Term                               APR as low as          Monthly Payment Per $1000

New Boat*

60 months

84 months

120 months

144 months

3.99%

4.49%

4.99%

5.49%

$18.41

$13.90

$10.60

$9.50

60 months

84 months

120 months

144 months

4.99%

5.49%

5.99%

6.49%

Pre-Owned Boat‡†

$18.87

$14.37

$11.10

$10.01

*CPFCU will finance up to 90% of purchase price. We cannot finance negative equity.

‡Based on NADA average retail value.

†Loan applications for pre-owned boats under 25 foot must be accompanied by a current picture of the boat. Loan applications for pre-owned boats 25 foot and over must be accompanied by a current picture of the boat & a marine survey done by a licensed surveyor.

Minimum loan amounts apply. See the printable pdf for details.

New RV*

84 months

5.90%

120 months

6.15%

144 months

6.40%

180 months

6.65%

$14.56

$11.18

$9.97

$8.79

Pre-Owned RV

84 months

120 months

144 months

6.90%

7.15%

7.40%

$15.04

$11.69

$10.50

*CPFCU will finance up to 80% of purchase price. We cannot finance negative equity.

‡Up to 100% of NADA wholesale value.

Minimum loan amounts apply. See the printable pdf for details for details.

PERSONAL LOAN

Description                    Term                               APR as low as          Monthly Payment Per $1000

$88.83

$47.05

$33.19

$26.31

$87.45

$45.68

$31.80

$24.89

Signature

12 months

11.95%

Any Reason

12 months

9.00%

24 months

36 months

48 months

24 months

36 months

48 months

9.00%

9.00%

9.00%

11.95%

11.95%

11.95%

$31.23

$24.30

$17.79

$8.56

American Freedom

36 months

7.76%

Share Secured*

Up to 60 months

2.60%‡

48 months

7.76%

61 - 144 months

3.60%†

*Rate reflects loan against share 0 account. Other options are available. Please contact us for options.

‡2.5% over published share rate

†3.5% over published share rate

Limitations apply. Minimum loan amounts apply. See the printable pdf for details.

LINE OF CREDIT

Description                    Maximum Term*          APR as low as

Revolving Credit

48 months

11.75%

Up to $15,000

Overdraft Protection

24 months

11.75%

Up to $2,000

Premium Line of Credit

48 months

9.99%

Up to $15,000

*Approximate Term. Payments are based on term stated. Actual loan term may vary based on repayment schedule.

‡Minimum $2,500 advance taken upon approval

Certificates

Rate information for certificates is accurate as of August 1, 2017. Early withdrawal penalties will apply. Fees could reduce earnings on your account. Account restrictions may apply. See Account Agreement and Truth in Savings Account Disclosure for details or contact CPFCU to receive a copy of these disclosures.

LONG TERM CERTIFICATE ACCOUNT

Minimum Opening       Term                              Annual Percentage      Dividend Fixed

Deposit                                                                  Yield (APY)                     Rate

$1,000.00

12 months

24 months

36 months

48 months

60 months

1.26%

1.41%

1.61%

1.76%

1.91%

1.25%

1.40%

1.60%

1.75%

1.90%

SHORT TERM CERTIFICATE ACCOUNT

Minimum Opening       Term                              Annual Percentage      Dividend Fixed

Deposit                                                                  Yield (APY)                     Rate

$1,000.00

3 months

0.52%

6 months

0.65%

9 months

0.70%

6 months

3 months

0.52%

0.65%

0.70%

9 months

$10,000.00

0.52%

0.65%

0.70%

0.52%

0.65%

0.70%

EASY BUILDER LONG TERM CERTIFICATE ACCOUNT

Minimum Opening       Term                              Annual Percentage      Dividend Fixed

Deposit                                                                  Yield (APY)                     Rate

$250.00

($50.00 Young

Investor Option)

12 months

0.75%

0.75%

EASY BUILDER SHORT TERM CERTIFICATE ACCOUNT

Minimum Opening       Term                              Annual Percentage      Dividend Fixed

Deposit                                                                  Yield (APY)                     Rate

$250.00

($50.00 Young

Investor Option)

3 months

6 months

9 months

0.52%

0.65%

0.70%

0.52%

0.65%

0.70%

ALL IRA CERTIFICATE ACCOUNTS*

Minimum Opening       Term                              Annual Percentage      Dividend Fixed

Deposit                                                                  Yield (APY)                     Rate

$500.00

12 months

24 months

36 months

48 months

60 months

1.26%

1.41%

1.61%

1.76%

1.91%

1.25%

1.40%

1.60%

1.75%

1.90%

*Normal IRA restrictions and penalties apply. See IRA Disclosure for IRA Agreement.

COVERDELL EDUCATION SAVINGS ACCOUNT (ESA) CERTIFICATE*

Minimum Opening       Term                              Annual Percentage      Dividend Fixed

Deposit                                                                  Yield (APY)                     Rate

$500.00

12 months

24 months

36 months

48 months

60 months

1.26%

1.41%

1.61%

1.76%

1.91%

1.25%

1.40%

1.60%

1.75%

1.90%

*Normal Coverdell ESA restrictions apply. See Coverdell ESA Disclosure for agreement.

13 MONTH SPECIAL CERTIFICATE OFFER

Minimum Opening       Term                              Annual Percentage      Dividend Fixed

Deposit                                                                  Yield (APY)                     Rate

$1,000.00

Long Term Certificate

Account

13 months

1.31%*

1.30%

13 months

1.31%*

1.30%

$500.00

IRA Certificate Account

*APY assumes reinvestment at same term for 12 months. These certificates auto renew for 12 months.

‡Normal IRA restrictions and penalties apply. See IRA Disclosure for IRA agreement.

†These certificates cannot be opened using funds from previously opened certificate accounts except at maturity.

Share Accounts

Rate information is accurate as of June 1, 2017.

MONEY MARKET ACCOUNT

Tier                                   Annual Percentage          Dividend Rate        Minimum Balance

                                          Yield (APY)                                                          to Earn APY

Tier 1

0.32%

0.32%

$2,500.00

Tier 2

0.32 - 0.34%

0.35%

$10,000.00

Tier 3

0.34 - 0.40%

0.40%

$25,000.00

SHARE ACCOUNT

Account Type                  Annual Percentage           Dividend Rate        Minimum Balance

                                          Yield (APY)                                                           to Earn APY

Prime Share

0.10%

0.10%

$100.00

Sub Share

0.10%

0.10%

$100.00

Christmas Club

0.10%

0.10%

$100.00

ALF Share

0.10%

0.10%

$100.00

YOUth

0.10%

0.10%

$5.00

IRA or ESA Share

0.10%

0.10%

$100.00

Under $500.00

IRA or ESA Share

0.10%

0.10%

$500.00

Over $500.00

Share Draft

0.05%

0.05%

$500.00

Escrow

0.00%

0.00%

$25.00

Quick links

Certificates

Shares

Mortgage Rates

Call our Automated Rate Line

301-863-7071 Extension 5409

or visit our Mortgage WebCenter for rates, calculators and to begin your online application.

301-863-7071  ●  800-201-1647

 

Routing Number ● 255077736

 

 

APY = Annual Percentage Yield

APR = Annual Percentage Rate

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Federally Insured by NCUA

We do Business in Accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.