Rates

Rates effective as of 06/30/2016

Loans

Term

Rate

APR*

Cars & Trucks (New & Used)

3 Years

     2.49%**

    2.49%**

Cars & Trucks (New & Used)

4 Years

     2.99%**

    2.99%**

Cars & Trucks (New & Used)

5 Years

     3.49%**

    3.49%**

Cars & Trucks (New & Used)

6 Years

     3.99%**

    3.99%**

Cars & Trucks (New & Used) Loans over $25,000

7 Years

     4.49%**

     4.49%**

Shares on Deposit

5 Years

2% above
Share Rate

2% above
Share Rate

Signature (Up to $5,000)
Signature (Up to $10,000)
Signature (Up to $20,000)

3 Years
5 Years
7 Years

  9.90%
11.90%
12.90%

  9.90%
11.90%
12.90%

Computer (Up to $3,000)

3 Years

12.00%

12.00%

Stock

5 Years

10.00%

10.00%

Motorcycle (New)
Motorcycle (Used)

5 Years
5 Years

  5.50%
  6.00%

  5.50%
  6.00%

Other Vehicles (New/Used) Boats, Campers, Trailers, Motor Homes

5 Years
10 Years

  6.00%
  6.50%

  6.00%
  6.50%

Mobile Home Title

15 Years

  8.25%

  8.25%

Boat (used as a primary residence) 

10 Years

  7.75%

  7.75%

VISA Platinum

3% of Balance

  9.90%

  9.90%

VISA Gold

3% of Balance

11.90%

11.90%

VISA Classic

3% of Balance

14.40%

14.40%

First Mortgage--Owner Occupied (no points)

30 Years

  4.75%

  4.75%

First Mortgage--Owner Occupied (no points)

15 Years

  4.40%

  4.40%

First Mortgage--Non-owner Occupied (no points)

12 Years

  5.90%

  5.90%

Second Mortgage--Owner Occupied (no points)

20 Years

  6.40%

  6.40%

Second Mortgage--Owner Occupied (no points)

15 Years

  6.05%

  6.05%

Second Mortgage--Non-owner Occupied (no points)

12 Years

  8.15%

  8.15%

Home Equity--Primary Residence Only

15 Years

       4.00%***

       4.00%***

*     APR = Annual Percentage Rate
**    To obtain this rate, you must qualify for one of the following:  Direct Deposit Net Check, Automatic Loan Payment (or Payroll Deduction) or Pre-Approved for Auto Loan; otherwise, the interest rate will be .25% higher.  For vehicles six years or older, the interest rate is 1.99% higher and the maximum loan amount is Kelly Blue Book Private Party Value without giving consideration to the value options.  For vehicles with mileage over 100,000 the interest rate is 2.74% higher. Designation of New Vehicle - Less than 5,000 miles and less than three months time lapse since first registered.  A $15.00 fee will be collected from the member when the loan is made in order to remove Chabot FCU's name as lienholder when the loan is paid off.
***  This is the current rate; however, this rate is variable and is subject to change twice a year; and the maximum annual percentage rate that may be imposed is 15%.

Rates effective as of 12-01-2012

Savings

Minimum Balance

Dividend/ Interest Rate

APY*

Regular Shares      
$        0  -     999.99

$100.00

   .10%

  .10%

$1,000  -  2,499.99

$1,000.00

   .20%

  .20%

$2,500  -  4,999.99

$2,500.00

   .30%

  .30%

$5,000  -  UP

$5,000.00

   .40%

  .40%

       
IRA Shares

$100.00

  .45%

  .45%

Share Drafts

$100.00

  .05%

  .05%

* APY = Annual Percentage Yield





 

Certificates of Deposit

Minimum Deposit

Dividend/ Interest Rate

Term

APY*

Regular Share & Traditional IRA Certificates **        
 

$5,000.00

  .45%

  3 Months

  .45%

 

$5,000.00

  .50%

  6 Months

  .50%

 

$5,000.00

  .55%

  9 Months

  .55%

 

$5,000.00

  .60%

12 Months

  .60%

 

$5,000.00

  .65%

18 Months

  .65%

 

$5,000.00

  .70%

24 Months

  .70%

 

$5,000.00

  .80%

36 Months

  .81%

 

$5,000.00

  .90%

48 Months

  .91%

 

$5,000.00

1.00%

60 Months

1.01%

         
Roth, Roth Rollover & Educational IRA Share Certificates **

 

 

 

 

 

$5,000.00

   .60%

12 Months

  .60%

 

$5,000.00

   .70%

24 Months

  .70%

*APY = Annual Percentage Yield
** Substantial penalties apply for early withdrawal.

 

 

 

 

 

 

 

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