Rates

Certificate Rates

Certificate Accounts

Long Term Certificate Account

Term	Minimum Balance to Earn APY	Annual Percentage Yield (APY)	Dividend Fixed Rate
12 months	$1,000.00	4.010%	3.95%
24 months	$1,000.00	3.850%	3.80%
36 months	$1,000.00	3.850%	3.80%
48 months	$1,000.00	3.850%	3.80%
60 months	$1,000.00	3.800%	3.75%
See Certificate Rates & Fee Schedule for more information

Short Term Certificate Account*

Term	Minimum Opening Deposit	Annual Percentage Yield (APY)	Dividend Fixed Rate
3 months	$1,000.00	1.510%	1.50%
6 months	$1,000.00	3.790%	3.75%
9 months	$1,000.00	1.710%	1.70%
3 months	$10,000.00	1.510%	1.50%
6 month	$10,000.00	3.790%	3.75%
9 months	$10,000.00	1.710%	1.70%
*APY assumes reinvestment at the same term for 12 months

13 Month Special Certificate Offer†

Term	Minimum Opening Deposit	Annual Percentage Yield (APY)	Dividend Fixed Rate
13 months	$1,000.00 Long Term Certificate Account	4.060%	4.00%
13 months	$500.00* IRA Certificate Account†	4.06%**	4.00%
*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. Account restrictions may apply. See Special Certificate Account Disclosure for details.

Easy Builder Long Term Certificate Account

Term	Minimum Opening Deposit	Annual Percentage Yield (APY)	Dividend Fixed Rate
12 months	$250.00	4.010%	3.95%
12 months	$50.00 (Young Investors Option)	4.010%	3.95%

Easy Builder Short Term Certificate Account

Term	Minimum Opening Deposit	Annual Percentage Yield (APY)	Dividend Fixed Rate
3 months	$250.00 ($50.00 Young Investor Option)	1.510%	1.50%
6 months	$250.00 ($50.00 Young Investor Option)	1.610%	1.60%
9 months	$250.00 ($50.00 Young Investor Option)	1.710%	1.70%

All IRA Certificate Accounts‡

Term	Minimum Opening Deposit	Annual Percentage Yield (APY)	Dividend Fixed Rate
12 months	$500.00	4.010%	3.95%
24 months	$500.00	3.850%	3.80%
36 months	$500.00	3.850%	3.80%
48 months	$500.00	3.850%	3.80%
60 months	$500.00	3.800%	3.75%
‡Normal IRA restrictions and penalties apply. See IRA Disclosure for IRA Agreement.

Coverdell Education Savings Account (ESA) Certificate*

Term	Minimum Opening Deposit	Annual Percentage Yield (APY)	Dividend Fixed Rate
12 months	$500.00	4.010%	3.95%
24 months	$500.00	3.850%	3.80%
36 months	$500.00	3.850%	3.80%
48 months	$500.00	3.850%	3.80%
60 months	$500.00	3.800%	3.75%
*Normal Coverdell ESA restrictions apply. See Coverdell Rate Disclosure for agreement. Rate information for certificates is accurate as of June 1, 2025. Early withdrawal penalties will apply. Fees could reduce earnings on your account. See Account Agreement and Truth in Savings Disclosure for details or contact Cedar Point to receive a copy of these disclosures.

Loan Rates

Loans

New Auto*

Term	APR as low as	Monthly Payment per $1000
36 months	3.99%	$29.52
48 months	4.49%	$22.80
60 months	4.49%	$18.64
72 months	4.49%	$15.87
84 months	5.49%	$14.37
*CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.

Pre-owned Auto‡

Term	Age of Vehicle	APR as low as	Monthly Payment per $1000
36 months	1-7 years	4.74%	$30.30
48 months	1-7 years	4.74%	$23.37
60 months	1-7 years	4.74%	$19.21
72 months	1-7 years	4.74%	$16.45
84 months	**	5.74%	$14.97
48 months	8-10 years	7.49%	$24.17
‡CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details. **Vehicle must be 10 model years or newer at the end of the 84 month term.

New Motorcycle* Rates

Term	APR as low as	Monthly Payment per $1000
36 months	6.99%	$30.87
48 months	7.49%	$24.17
60 months	7.49%	$20.03
72 months	7.49%	$17.29
84 months	8.49%	$15.83
*CPFCU will finance up to 100% of purchase price. We cannot finance negative equity. Minimum loan amounts apply. See printable pdf for details.

Pre-owned Motorcycle‡ Rates

Term	Age of Vehicle	APR as low as	Monthly Payment per $1000
36 months	1-7 years	7.74%	$31.22
48 months	1-7 years	7.74%	$24.29
60 months	1-7 years	7.74%	$20.15
72 months	1-7 years	7.74%	$17.41
48 months	8-10 years	8.74%	$24.76
‡Based on NADA clean retail value. Minimum loan amounts apply. See printable pdf for details.

New Boat* Rates

Term	APR as low as	Monthly Payment per $1000
60 months	6.50%	$19.57
84 months	7.00%	$15.09
120 months	7.50%	$11.87
144 months	8.00%	$10.82
*CPFCU will finance up to 90% of purchase price. We cannot finance negative equity. Minimum loan amounts apply. See Boat & RV Loan Rates for details.

Pre-owned Boat‡† Rates

Term	APR as low as	Monthly Payment per $1000
60 months	7.50%	$20.04
84 months	8.00%	$15.59
120 months	8.50%	$12.40
144 months	9.00%	$11.38
‡Based on NADA average retail value under 25 foot. Based on 85% of Fair Market Value (Marine Survey) over 25 foot. †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 Boat & RV Loan Rates for details.

New RV* Rates

Term	APR as low as	Monthly Payment per $1000
84 months	7.15%	$15.17
120 months	7.40%	$11.82
144 months	7.65%	$10.63
180 months	7.90%	$9.50
*CPFCU will finance up to 80% of purchase price. We cannot finance negative equity. Minimum loan amounts apply. See Boat & RV Loan Rates for details.

Pre-owned RV‡ Rates

Term	APR as low as	Monthly Payment per $1000
84 months	8.15%	$15.66
120 months	8.40%	$12.35
144 months	8.65%	$11.18
‡Up to 100% of NADA wholesale value. Minimum loan amounts apply. See Boat & RV Loan Rates for details.

Savings Rates

Checking & Saving Account Rates

Account Type	Annual Percentage Yield (APY)	Dividend Rate	Minimum Balance to Earn APY
Primary Savings	0.050%	0.050%	$100.00
Sub Savings	0.050%	0.050%	$100.00
Holiday Club	0.050%	0.050%	$100.00
Youth	0.050%	0.050%	$100.00
Checking	0.025%	0.025%	$500.00

Money Market Rates

Tier	Annual Percentage Yield (APY)	Dividend Rate	Minimum Balance to Earn APY
Tier 1	1.000%	1.000%	$2,500.00
Tier 2	1.00 - 1.12%	1.200%	$10,000.00
Tier 3	1.12 - 1.41%	1.400%	$25,000.00
Please see our Share Rate and Fee Schedule for details.

IRA and ESA Rates

Account Type	Annual Percentage Yield (APY)	Dividend Rate	Minimum Balance to Earn APY
IRA or ESA Share under $500.00	0.050%	0.050%	$100.00
IRA or ESA Share over $500.00	1.000%	1.000%	$500.00
Please see our Savings Rate and Fee Schedule for details.

Mortgage Rates

Conventional Loans

Name	Rate	APR	Points
30 Year Fixed Rate	6.375%	6.513%	0.000%
20 Year Fixed Rate	6.250%	6.431%	0.000%
15 Year Fixed Rates	6.000%	6.225%	0.000%
10 Year Fixed Rate	6.000%	6.318%	0.000%

USDA Loans

Name	Rate	APR	Points
USDA	6.625%	7.223%	0.000%

VA Loans

Name	Rate	APR	Points
Federal VA 30 Year Fixed Rate	6.500%	6.761%	0.000%

Land Loans

Name	Rate	APR	Points
15 Year Fixed Rate	8.500%	8.552%	0.000%

Construction Loan

Name	Rate	APR	Points
12 Month	7.250%	7.768%	0.000%

Home Equity Loan

Name	Rate	APR	Points
15 Years	8.375%	8.655%	0.000%
10 Years	8.375%	8.655%	0.000%
Personalized Quote

Credit Card Rates

Type of card	Platinum	Gold	Classic
Credit Card
APR for Purchases	8.00%	9.00%	10.90 - 12.90*%
APR for Cash Advances	8.00%	9.00%	10.90 - 12.90*%
Annual Fee	$0	$0	$0
Balance Transfer Fee	None	None	None
Credit Limit	up to $25,000	Up to $15,000	Up to $5,000
Fixed Rate	yes	yes	yes
Penatly Rate	None	None	None
Over Credit Limit Penalty	None	None	None
Apply for a credit card	Apply Now	Apply Now	Apply Now
Foreign Transaction Fee	1% of each transaction in US dollars	1% of each transaction in US dollars	1% of each transaction in US dollars
Returned Payment Penalty	$20.00	$20.00	$20.00
Late Payment Penalty: $15.00. Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
*When you open your account, based on creditworthiness. Rates are fixed. Rate information is accurate as of February 5, 2024. All rates are subject to change. Rate information is as accurate as possible, however, please contact the credit union to verify current rates or if you would like a disclosure mailed to you.
Read the Mastercard Account Agreement Read the Mastercard Billing Notice
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Personal Loan Rates

Personal Loans

Any Reason Loan

Term	APR as low as	Monthly Payment per $1000
12 months	11.00%	$88.38
24 months	11.00%	$46.60
36 months	11.00%	$32.74
48 months	11.00%	$25.85

American Freedom Loan

Term	APR as low as	Monthly Payment per $1000
36 months	9.00%	$31.80
48 months	9.00%	$24.89
Our American Freedom Loan functions in much the same way as our other personal loans. The key difference with this type of loan is that it relies on the length of the borrower’s employment. Borrower must have at least three years of job history.

Signature Loans

Term	APR as low as	Monthly Payment per $1000
12 months	13.25%	$89.43
24 months	13.25%	$47.66
36 months	13.25%	$33.81
48 months	13.25%	$26.95

Share Secured* Loan

Term	APR as low as	Monthly Payment per $1000
Up to 60 months	2.55%‡	$17.79
84 months	3.55%†	$13.49
*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 Personal Loan Rates for details.

Line of Credit Rates

Loan Type	Maximum Term*	APR as low as	Amount
Revolving Credit	48 months	13.25%	Up to $15,000
Premium Line of Credit	48 months	11.25%	Up to $15,000‡
*Approximate Term. Payments are based on term stated. Actual loan term may vary based on repayment schedule. See Personal Loan Rates for details.

Overdraft Protection Line of Credit

Maximum Term	APR as low as	Amount
24 Months	13.250%	up to $2,000
*Approximate Term. Payments are based on term stated. Actual loan term may vary based on repayment schedule. ‡ Minimum $2,500 advance taken upon approval See printable pdf for details.