Communication Federal Credit Union offers competitive deposit rates and low interest rates on a variety of loan products.
Current Rates
If you have questions or would like to speak to a friendly CFCU representative please visit your local branch or call us at 800.522.3535.
(Other rates and terms available, call 800.654.LOAN)
Rates effective March 18, 2025
You can view Communication Federal Credit Union’s most current rates for deposit accounts and loan products in the tables below.
Checking & Savings Rates
| Product | Balance | APY^ | Dividend Rate | Rate Type |
|---|---|---|---|---|
| Performance Checking ($25 Minimum to Open) | $0.01 – $30,000 | 4.00%¹ | 3.93% | Variable |
| Performance Checking ($25 Minimum to Open) | Over $30,000 | 4.00% – 0.10%¹ | 0.10% | Variable |
| Regular Savings | Over $5 | 0.10% | 0.10% | Variable |
| Share Draft | Over $0 | 0.10% | 0.10% | Variable |
| Money Max | $0-$4,999 | 0.10% | 0.10% | Variable |
| Money Max | $5,000 – $9,999 | 0.25% | 0.25% | Variable |
| Money Max | $10,000 – $24,999.99 | 0.30% | 0.30% | Variable |
| Money Max | $25,000 – $49,999.99 | 0.40% | 0.40% | Variable |
| Money Max | $50,000 – $99,999.99 | 0.45% | 0.45% | Variable |
| Money Max | $100,000 + | 0.50% | 0.50% | Variable |
| Reverse-Tier Money Max | $0 – $2,000 | 2.50% | 2.47% | Variable |
| Reverse-Tier Money Max | $2,000.01 – $4,000 | 2.50% – 2.13% | 1.74% | Variable |
| Reverse-Tier Money Max | $4,000.01 – $6,000 | 2.13% – 1.75% | 1.00% | Variable |
| Reverse-Tier Money Max | Over $6,000 | 1.75% – 0.10% | 0.10% | Variable |
| Liquid Gold Money Market | $0 – $249,999.99 | 0.10% | 0.10% | Variable |
| Liquid Gold Money Market | $250,000 – $499,999.99 | 1.00% | 1.00% | Variable |
| Liquid Gold Money Market | Over $500,000 | 1.25% | 1.24% | Variable |
| Blue Savings for Business | Over $0 | 4.00% | 3.92% | Variable |
^APY = Annual Percentage Yield. Rates may change at any time without notice.
¹ Performance Checking Reward Rate Qualifications:
To qualify for the reward rate and ATM refunds, you must use your Performance Checking account to meet all of the following qualifications during each qualification cycle.
- Make a minimum of 12 debit card purchases (excluding ATM transactions) totaling at least $500. (Posted during each qualification cycle.)
- Receive electronic deposits totaling at least $1,500. (Posted during each qualification cycle.)
- Electronic deposits include direct deposits, ATM deposits, mobile deposits, and electronic transfers from another financial institution.
- Have at least one ACH automatic debit transaction. (Posted during each qualification cycle.)
- Enroll in and receive eStatements.
(1) Balances up to $30,000 receive APY of 4.00%; and (2) balances over $30,000 earn 0.10% interest rate on portion of balance over $30,000, resulting in 4.00% – 0.10% APY depending on the balance.
If qualifications are not met, all balances earn 0.10% APY.
Qualifying transactions must post to and settle in account during monthly qualification cycle. Transactions may take one or more business days from the date transaction was made to post to an account. ATM-processed transactions do not count towards qualifying debit card purchases.
“Monthly Qualification Cycle” means a period beginning on the 25th day of the month and ending on the 24th day of the following month. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings.
Share Certificate Rates
| Product | Balance | APY^ | Dividend Rate | Rate Type |
|---|---|---|---|---|
| 6 Month Share/IRA Certificate | $1,000 | 2.85% | 2.82% | Fixed |
| 1 Year Share/IRA Certificate | $1,000 | 2.95% | 2.91% | Fixed |
| 13 Month Special Certificate | $1,000 | 4.10% | 4.03% | Fixed |
| 18 Month Share/IRA Certificate | $1,000 | 2.95% | 2.91% | Fixed |
| 2 Year Share/IRA Certificate | $1,000 | 2.95% | 2.91% | Fixed |
| 26 Month Special Certificate | $1,000 | 3.95% | 3.88% | Fixed |
| 3 Year Share/IRA Certificate | $1,000 | 2.90% | 2.86% | Fixed |
| 39 Month Special Certificate | $1,000 | 3.95% | 3.88% | Fixed |
| 4 Year Share/IRA Certificate | $1,000 | 3.10% | 3.05% | Fixed |
| 5 Year Share/IRA Certificate | $1,000 | 3.10% | 3.05% | Fixed |
^APY = Annual Percentage Yield. Rates are subject to change at any time. Fees can reduce earnings on some accounts. Some criteria may need to be met to earn stated rate. A penalty may be imposed for early withdrawal. For a limited time, CFCU is offering “Step-Up” share certificates on 2 to 5-year terms that allow you to move to the current rate and add funds one time during the certificate term. Initial rates are the same as other share certificates of the same term. Special certificates are not available as step-up certificates.
IRA & HSA Rates
| Product | Balance | APY^ | Dividend Rate | Rate Type |
|---|---|---|---|---|
| IRA Share Account | $0 – $4,999.99 | 0.10% | 0.10% | Variable |
| IRA Share Account | $5,000 – $9,999.99 | 0.25% | 0.25% | Variable |
| IRA Share Account | $10,000 – $24,999.99 | 0.30% | 0.30% | Variable |
| IRA Share Account | $25,000 – $49,999.99 | 0.40% | 0.40% | Variable |
| IRA Share Account | $50,000 – $99,999.99 | 0.45% | 0.45% | Variable |
| IRA Share Account | $100,000 + | 0.50% | 0.50% | Variable |
| Health Savings Account | Over $0 | 0.10% | 0.10% | Variable |
^APY = Annual Percentage Yield. Rates are subject to change at any time. Fees can reduce earnings on some accounts. Some criteria may need to be met to earn stated rate. A penalty may be imposed for early withdrawal.
Fixed Rate Loans
| Type of Loan | Term | APR* | Rate Type |
|---|---|---|---|
| Storm Shelter Loan | Up to 36 mos | 4.99% | Fixed |
| Auto 2017-2025 | 66 mos | 6.24% | Fixed |
| Auto 2020-2025 | 78 mos | 6.74% | Fixed |
| Auto 2021-2025 (Up to 75,000 Miles) | 84 mos | 6.99% | Fixed |
| Auto 2015-2016 | 54 mos | 7.99% | Fixed |
| Auto 2013-2014 | 48 mos | 8.24% | Fixed |
| Boat/RV 2020-2025 | 72 mos | 9.99% | Fixed |
| Boat/RV 2016-2019 | 60 mos | 12.49% | Fixed |
| Boat/RV 2012-2015 | 54 mos | 12.99% | Fixed |
| Motorcycle 2022-2025 | 72 mos | 12.24% | Fixed |
| Motorcycle 2019-2021 | 48 mos | 13.99% | Fixed |
| Signature | 36 mos | 13.24% | Fixed |
*APR = Annual Percentage Rate. Loan rates published are as low as the stated rate. Rates can vary depending upon collateral, term, loan type and credit history. Rates may change without notice. Payment Example: A fixed rate auto loan with an APR of 7.74% and a term of 60 months will cost $20.15 per month per $1,000 borrowed. Current CFCU loans not eligible for refinance at these rates.
Other Loan Rates
| Type of Loan | Term | APR* | Rate Type |
|---|---|---|---|
| Flex Loan | N/A | 16.40% | Variable |
| Share Secured | 60 mos | Share Rate + 3.00% | Variable |
| Certificate Secured | CD Term | CD Rate + 2.00% | Fixed |
| Visa Platinum | See Disclosure | 13.24%** | Variable |
| Visa Platinum Rewards | See Disclosure | 14.24%** | Variable |
Apply for a Loan
*APR = Annual Percentage Rate. Loan rates published are as low as the stated rate. Rates can vary depending upon collateral, term, loan type and credit history. Rates may change without notice. Payment Example: A fixed rate auto loan with an APR of 7.74% and a term of 60 months will cost $20.15 per month per $1,000 borrowed. Current CFCU loans not eligible for refinance at these rates.
**Credit Card Annual Percentage Rate as low as the stated rates and based on member’s credit history. Rates subject to change after account opening.
Other rates and terms available, call 800-654-LOAN for details. Current CFCU loans cannot be refinanced at these rates.
Mortgage and Home Equity Loans available. Please contact the CFCU mortgage department for details and rates at 800.522.3535 or request a rate quote rate online here.
