Automobile and Motorcycle Loans
| TERM | RATE as low as* | APR as low as* | Approximate Payment ($25,000 loan amount)** |
|---|---|---|---|
| NEW MODELS – Never Titled | |||
| 84 months | 7.49% | 7.553% | $384.10 |
| 72 months | 7.24% | 7.311% | $429.97 |
| 60 months | 6.99% | 7.075% | $495.90 |
| 48 months | 6.74% | 6.842% | $596.84 |
| 36 months | 6.49% | 6.625% | $767.64 |
| 24 months | 6.24% | 6.437% | $1,112.94 |
| USED MODELS | |||
| 84 months (2021 & newer) | 7.49% | 7.553% | $384.10 |
| 72 months (2019 & newer) | 7.24% | 7.311% | $429.97 |
| 60 months (2017 & newer) | 6.99% | 7.075% | $495.90 |
| 48 months (2017 & newer) | 6.74% | 6.842% | $596.84 |
| 36 months (2012-2016) | 6.49% | 6.625% | $767.64 |
| 24 months (2010-2011) | 6.24% | 6.437% | $1,112.94 |
| 2009 & older models | BY QUOTE |
Recreational (Camper/RV & Watercraft)
| TERM | RATE as low as* | APR as low as* | Approximate Payment ($25,000 loan amount)** |
|---|---|---|---|
| NEW MODELS – Never Titled | |||
| 120 months | 8.74% | 8.787% | $313.81 |
| 108 months | 8.49% | 8.541% | $332.52 |
| 96 months | 8.24% | 8.295% | $357.19 |
| 84 months | 7.99% | 8.053% | $390.31 |
| 72 months | 7.74% | 7.812% | $436.03 |
| 60 months | 7.49% | 7.574% | $501.83 |
| 48 months | 7.24% | 7.343% | $602.65 |
| 36 months | 6.99% | 7.125% | $773.36 |
| 24 months | 6.74% | 6.938% | $1,118.60 |
| USED MODELS | |||
| 120 months (2017 & newer) | 8.74% | 8.787% | $313.81 |
| 108 months (2017 & newer) | 8.49% | 8.541% | $332.52 |
| 96 months (2017 & newer) | 8.24% | 8.295% | $357.19 |
| 84 months (2017 & newer) | 7.99% | 8.053% | $390.31 |
| 72 months (2017 & newer) | 7.74% | 7.812% | $436.03 |
| 60 months (2017 & newer) | 7.49% | 7.574% | $501.83 |
| 48 months (2017 & newer) | 7.24% | 7.343% | $602.65 |
| 36 months (2017 & newer) | 6.99% | 7.125% | $773.36 |
| 24 months (2017 & newer) | 6.74% | 6.938% | $1,118.60 |
| 36 months (2009-2016) | 8.99% | 9.126% | $796.47 |
| 24 months (2009-2016) | 8.74% | 8.939% | $1,141.42 |
Recreational (ATV, Snowmobile, Golf Cart, UTV)
| TERM | RATE as low as* | APR as low as* | Approximate Loan Payment ($25,000 loan amount)** |
|---|---|---|---|
| NEW MODELS – Never Titled | |||
| 84 months | 7.99% | 8.053% | $390.31 |
| 72 months | 7.74% | 7.812% | $436.03 |
| 60 months | 7.49% | 7.574% | $501.83 |
| 48 months | 7.24% | 7.343% | $602.65 |
| 36 months | 6.99% | 7.125% | $773.36 |
| 24 months | 6.74% | 6.938% | $1,118.60 |
| USED MODELS | |||
| 84 months (2017 & newer) | 7.99% | 8.053% | $390.31 |
| 72 months (2017 & newer) | 7.74% | 7.812% | $436.03 |
| 60 months (2017 & newer) | 7.49% | 7.574% | $501.83 |
| 48 months (2017 & newer) | 7.24% | 7.343% | $602.65 |
| 36 months ( 2017 & newer) | 6.99% | 7.125% | $773.36 |
| 24 months (2017 & newer) | 6.74% | 6.938% | $1,118.60 |
| 36 months (2012-2016) | 8.99% | 9.126% | $796.47 |
| 24 months (2012-2016) | 8.74% | 8.939% | $1,141.42 |
Personal/Business Equipment
| TERM | RATE as low as* | APR as low as* | Approximate Loan Payment ($25,000 loan amount)** |
|---|---|---|---|
| 60 months | 7.75% | 7.800% | $504.53 |
| 48 months | 7.50% | 7.561% | $605.20 |
| 36 months | 7.25% | 7.331% | $775.72 |
| 24 months | 7.00% | 7.118% | $1,120.66 |
Personal/Unsecured
| TERM | RATE as low as* | APR as low as* | Approximate Loan Payment ($10,000 loan amount)** |
|---|---|---|---|
| 60 months | 11.00% | 11.131% | $218.08 |
| 48 months | 10.50% | 10.659% | $256.80 |
| 36 months | 10.00% | 10.207% | $323.64 |
| 24 months | 9.50% | 9.801% | $460.52 |
| 12 months | 9.00% | 9.565% | $877.14 |
Share/Certificate Pledge Loan: 2.50% over the interest rate earned on deposit
Overdraft Protection: 15.00% Rate/ 15.00% APR
First-Time Car Buyer Program: By Quote
Closed-End Crop/ Livestock: By Quote
Variable Operating LOC: WSJ Prime Rate + 0.50%
*As of 1/8/24. Subject to change without notice. APR=Annual Percentage Rate. CLFCU membership required for all borrowers (excluding co-signers). Subject to CLFCU lending and credit policy, credit score, collateral (if applicable), and maximum relationship discount pricing per CLFCU lending policy. All rates subject to change or withdrawal without notice.
**Payment example is based on the amount/term listed in the charts. The payment amount includes a doc fee. Loan details shown for example only. Not an offer for approval.
Mortgage Loans
| Rate as low as* | APR as low as* (Approximate loan amount: $50,000) | |
|---|---|---|
| Primary Residence Real Estate & Land to Build Primary Residence (180 months) | 6.99% | 7.088% |
| Junior Lien Mortgage/ 2nd Mortgage (120 months) | 7.99% | 8.103% |
| 1st Lien Bare Ground/ Farm Ground | 6.99% | 7.088% |
| 1st Lien Commercial Property | 8.99% | 9.142% |
| 1st Lien Not Primary Residence, Not Commercial (Example: 2nd Residence or Recreational) | 6.99% | 7.088% |
Home Equity Line of Credit – Primary Residence: Prime + 1.00%
Constructions Loans: By Quote
*As of 1/8/24. APR=Annual Percentage Rate. Your rate/APR may be higher based on your individual factors. CLFCU membership required for all borrowers. Subject to CLFCU lending policy. Subject to credit approval. All rates subject to change or withdrawal without notice.
VISA
| Classic | Wall Street Journal Prime Rate PLUS 10.00% APR *(maximum 18.00% APR) |
| Platinum | Wall Street Journal Prime Rate PLUS 8.00% APR* (maximum 18.00% APR) |
| Share Secured | 6.80% APR* |
*As of 1/8/24. Subject to change without notice. APR=Annual Percentage Rate. CLFCU membership required for all borrowers (excluding co-signers). Subject to CLFCU lending and credit policy, credit score, collateral (if applicable), and maximum relationship discount pricing per CLFCU lending policy. All rates subject to change or withdrawal without notice.
Share Accounts
| Account Type | APY* |
|---|---|
| Membership Share – Average Balance | |
| $0.00 – $249.99 | 0.00% |
| $250.00 – $9,999.99 | 0.10% |
| $10,000.00 – 19,999.99 | 0.10% |
| $20,000.00 – $49,999.99 | 0.15% |
| $50,000.00 & Over | 0.20% |
| Lifesavers Youth Share Account – Average Balance | |
| $0.01 – $999.99 | 0.30% |
| $1,000.00 – $9,999.99 | 0.50% |
| $10,000.00 & Over | 0.85% |
| Christmas Club Account | |
| $0.01 & Over | 0.25% (Annual) |
| IRA Savings Account – Average Balance | |
| $0.00 – $249.99 | 0.00% |
| $250.00 – $9,999.99 | 0.10% |
| $10,000.00 – $19,999.99 | 0.10% |
| $20,000.00 – $49,999.99 | 0.15% |
| $50,000.00 & Over | 0.20% |
| Health Savings Account (HSA) – Average Balance | |
| $0.01 – $999.99 | 1.00% |
| $1,000.00 – $24,999.99 | 1.26% |
| $25,000.00 & Over | 1.51% |
| Basic Checking Account – Average Balance | |
| $0.00 & Over | 0.00% |
| E-Checking Account (Personal) – Average Balance | |
| $0.00 – $2,499.99 | 0.00% |
| $2,500.00 – $9,999.99 | 0.10% |
| $10,000.00 – $24,999.99 | 0.20% |
| $25,000.00 – $49,999.99 | 0.30% |
| $50,000.00 & Over | 0.50% |
| E-Checking (Non-Personal) – Average Balance | |
| $0.00 – $999.99 | 0.00% |
| $1,000.00 – $9,999.99 | 0.00% |
| $10,000.00 – $19,999.99 | 0.10% |
| $20,000.00 – $49,999.99 | 0.15% |
| $50,000.00 & Over | 0.20% |
| Money Management Account w/ Relationship – Average Balance | |
| $0.01 – $9,999.99 | 0.20% |
| $10,000.00 – $24,999.99 | 0.25% |
| $25,000.00 – $49,999.99 | 0.36% |
| $50,000.00 – $99,999.99 | 0.34% |
| $100,000.00 & Over | 0.34% |
| Money Management Account w/out Relationship – Average Balance | |
| $0.01 – $9,999.99 | 0.10% |
| $10,000.00 – $24,999.99 | 0.17% |
| $25,000.00 – $49,999.99 | 0.28% |
| $50,000.00 – $99,999.99 | 0.34% |
| $100,000.00 & Over | 0.34% |
*As of 1/8/24. APY=Annual Percentage Yield. $25.00 minimum deposit to open E-Checking and Basic Checking accounts. Maintenance and/or activity fees could reduce earnings on all Share Accounts. APY for all Share Accounts is calculated based on the dividends being added to the account balance each month. Early withdrawal penalties may be assessed on Share Certificates/IRAs for withdrawals prior to maturity. All yields subject to change or withdrawal without notice.
Share Certificates
| TERM | $1K – $4,999.99 APY* | $5K – $9,999.99 APY* | $10K – $24,999.99 APY* | $25K & Over APY* |
|---|---|---|---|---|
| 12 months | 0.25% | 0.38% | 0.43% | 0.50% |
| 24 months | 0.25% | 0.38% | 0.50% | 0.63% |
| 36 months | 0.38% | 0.50% | 0.63% | 0.75% |
| 60 months | 0.50% | 0.63% | 0.75% | 0.85% |
*As of 1/8/24. APY=Annual Percentage Yield. APY is calculated based on the dividends being added to the account balance each month. Early withdrawal penalties may be assessed on Share Certificates/IRAs for withdrawals prior to maturity. All yields subject to change or withdrawal without notice.
IRA Certificates
| TERM | $1K – $4,999.99 APY* | $5K – $9,999.99 APY* | $10K – $24,999.99 APY* | $25K & Over APY* |
|---|---|---|---|---|
| 12 months | 0.25% | 0.38% | 0.43% | 0.50% |
| 24 months | 0.25% | 0.38% | 0.50% | 0.63% |
| 36 months | 0.38% | 0.50% | 0.63% | 0.75% |
| 60 months | 0.50% | 0.63% | 0.75% | 0.85% |
*As of 1/8/24. APY=Annual Percentage Yield. APY is calculated based on the dividends being added to the account balance each month. Early withdrawal penalties may be assessed on Share Certificates/IRAs for withdrawals prior to maturity. All yields subject to change or withdrawal without notice.