Rates
CBC's Rates

At CBC, our goal is to make your financial life as easy as possible... so we've put all of our rates in place. From Savings accounts to Mortgage Rates, you name it, you can find it here! 

  • Deposit Rates

    Savings Account Rates*

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    Account Type Minimum Deposit Term Stated Rate Annual Percentage Yield
    Regular Savings* $25 Avg Daily 0.030% 0.030%
    Holiday Savings Account* $5 Avg Daily 0.030% 0.030%
    Health Savings Account*+
    Tier 1 $100 Avg Daily 0.030% 0.030%
    Tier 2 $2,000 Avg Daily 0.050% 0.050%
    Tier 3 $25,000 Avg Daily 0.100% 0.100%
    Tier 4 $100,000 Avg Daily 0.200% 0.200%

    Checking Account Rates

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    Tier Minimum Deposit Term Stated Rate Annual Percentage Yield
    Tier 1 $5,000 Avg Daily 0.010% 0.010%
    Tier 2 $25,000 Avg Daily 0.050% 0.050%

    Insured Money Market Rate Account*

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    Tier Minimum Deposit Term Stated Rate Annual Percentage Yield
    Tier 1 $2,000 Avg Daily 0.050% 0.050%
    Tier 2 $25,000 Avg Daily 0.100% 0.100%
    Tier 2 $100,000 Avg Daily 0.200% 0.200%

    IRA Savings Account*

    Minimum Deposit Term Stated Rate Annual Percentage Yield
    $25 Avg Daily 0.030% 0.030%

    Term Share and IRA Certificates

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    Minimum Deposit Term Stated Rate Annual Percentage Yield
    $500 ($100 for 1 year SmartSaver Certificate) 6 months 0.200% 0.200%
    1 year 0.250% 0.250%
    SmartSaver 0.250% 0.250%
    2 years 0.399% 0.400%
    3 years 0.747% 0.750%
    4 years 0.847% 0.850%
    5 years 1.094% 1.100%

    * Dividends are declared at the end of each month by the Board of Directors based on the Credit Union's earning and cannot be guaranteed. Dividends compounded monthly. Dividends paid on average daily balances of $100 or more on savings and $5,000 or more on checking.

    + Dividends compounded monthly. Rates shown are anticipated. Dividends paid on average daily balances of $2,000 or more.

    ** Dividends compounded monthly. Last dividends paid at the end of last month.

  • Consumer Loan Rates

    Auto Loan Rates

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    Loan Term

    Rates* as low as

    (Annual Percentage Rate)

    Auto/Truck/Van (New & Used)

    Rates and terms apply to model years 2009 and newer for direct auto only

    up to 24 Months 2.39%^
    36 Months 2.39%^
    48 Months 2.39%^
    60 Months 2.89%^
    72 Months 3.39%^
    84 Months 3.99%^

    Motorcycle Rates

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    Term

    Rates* as low as

    (Annual Percentage Rate)

    up to 24 Months 2.99%^
    36 Months 2.99%^
    48 Months 3.40%^
    60 Months 3.90%^
    72 Months 4.25%^

    Boat & RV Rates

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    Term

    Rates* as low as

    (Annual Percentage Rate)

    up to 72 Months 4.49%^
    84 Months and Higher 4.99%^

    Credit Card Rates

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    Type

    6-month Introductory Rate* As low as

    (Annual Percentage Rate)

    Rates* as low as

    (Annual Percentage Rate)

    Visa Platinum 5.25%^ 8.25%^
    Visa Platinum Rewards 8.25%^ 11.25%^

    Personal Loan Rates

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    Type Term

    Rates* as low as

    (Annual Percentage Rate)

    Personal Loan

    $5,000 - $7,499

    Up to 48 Months 8.99%^

    Personal Loan

    $7,500 - $25,000

    49 to 60 Months 8.99%^
    Personal Line of Credit Open Ended 14.00%^

    Secured Loan Rates

    Type Term

    Rates* as low as

    (Annual Percentage Rate)

    Share Secured Less than 2 years 2.00%
    24 to 47 Months 3.00%
    48 to 60 Months 4.00%
    Certificate Secured 3 Months to 5 Years 2.00%

    * Rates vary with amount financed, term and your credit history, and are subject to change without notice. Rates apply to new money loans only. Please contact our Loan Sales Team at (805) 988-2151 for rates on refinancing existing CBC FCU loans.

  • Mortgage Rates

    Fixed Rate Mortgages

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    Fixed Rate Mortgage - Conforming (up to $424,100)1,2

    Product

    Rate
    (as low as)

    Discount
    Points
    APR
    (as low as)

    Payment Per
    $1,000

    10 Year 3.23% 0 3.3585 $9.76
    15 Year 3.225% 0 3.3168 $7.01
    20 Year 3.625% 0 3.6990 $5.86
    30 Year 3.875% 0 3.9295 $4.70

    Fixed Rate Mortgage - High Balance (up to $636,150)2

    Product

    Rate
    (as low as)

    Discount
    Points
    APR
    (as low as)

    Payment Per
    $1,000

    15 Year 3.475% 0 3.5134 $7.14
    30 Year 4.100% 0 4.1444 $4.83

    Fixed Rate Mortgage - 30 Year HARP (up to $636,150)3

    Product

    Rate
    (as low as)

    Discount
    Points
    APR
    (as low as)

    Payment Per
    $1,000

    UP TO 125% LTV 4.250% 0 4.2925 $4.92
    OVER 125% LTV 4.250% 0 4.2925 $4.92

    Home Equity Loans Fixed Rate 2nd 4

    Product

    Rate
    (as low as)

    Discount
    Points
    APR
    (as low as)

    Payment Per
    $1,000

    15 Year 5.500% 0 5.8695 $8.17
    20 Year 5.750% 0 6.0454 $7.02

    1 FIXED RATE rates and APRs based on an owner-occupied, single family home, a loan amount of $424,100 (conforming) or $636,150 (high balance), a maximum LTV of 97% on purchases and 95% on refinances, a credit score above 640, 1.000 points paid and approximate pre-paid finance charges of $2,092. A ‘zero’ point option is available.

    2 For FIXED RATE non-owner-occupied property, add 1.000% to interest rate and add 0.500 to points. Not all products are available for non-owner-occupied properties.

    3 If your mortgage is owned or guaranteed by Fannie Mae, you may be eligible to refinance your mortgage under the enhanced and expanded provisions of the Home Affordable Refinance Program (HARP). Loan amounts up to $636,150, no maximum loan-to-value (LTV). Loan available for owner- and non-owner-occupied residences. Existing loan must have been delivered to Fannie Mae before June 1, 2009. You can determine whether your mortgage is owned by either Freddie Mac or Fannie Mae by checking the following websites: www.freddiemac.com/mymortgage or www.fanniemae.com/loanlookup. Please note CBC FCU refinances ONLY Fannie Mae mortgages. No cash out. 30-day rate lock not available.

    4 Rates and APRs based on an owner-occupied, single family home, a loan amount of $50,000, a maximum LTV of 80%, credit score above 640 and approximate pre-paid finance charges of $100. Call for non-owner-occupied rates and fees.

    Rates are subject to change without notice. These mortgage rates apply only with certain conditions. Your rate depends on several factors including market conditions, property type, loan purpose, credit score and loan-to-value. The displayed annual percentage rates (APRs) include total points and prepaid finance charges but do not include other closing costs. Loans over 80% LTV require private mortgage insurance.

    Rates are not automatically locked in at time of application. Loan rate locks can be requested in writing after your loan has been pre-approved by CBC FCU. Other restrictions may apply. Call for details.

    Adjustable Rate Mortgages (ARM)1

    Conforming/No Closing Costs 5/1 ARM (up to $424,100)

    Product Rate APR Points Margin Index Caps Est Payment Per
    $1,000
    5/1 3.250% 3.7853% 0 2.25% 1.7253% 5/2/5 $4.35
    7/1 3.375% 3.7587% 0 2.25% 1.7253% 5/2/5 $4.42

    High Balance/No Closing Costs 5/1 ARM (up to $636,150)

    Product Rate APR Points Margin Index Caps Est Payment Per
    $1,000
    5/1 3.375% 3.8163% 0 2.25% 1.7253% 5/2/5 $4.42
    7/1 3.500% 3.8039% 0 2.25% 1.7253% 5/2/5 $4.49

    Jumbo (up to $4,000,000)

    Product Rate APR Points Margin Index Caps Est Payment Per
    $1,000
    5/1 3.500% 3.8383% 0 2.25% 1.7253% 5/2/5 $4.49
    7/1 3.625% 3.8402% 0 2.25% 1.7253% 5/2/5 $4.56

    Conforming (up to $424,100)

    Product Rate APR Points Margin Index Caps Est Payment Per
    $1,000
    5/5 3.625% 4.2378% 0 2.75% 1.770% 5/2/5 $4.56

    Jumbo (up to $1,000,000)

    Product Rate APR Points Margin Index Caps Est Payment Per
    $1,000
    5/5 3.750% 4.2593% 0 2.75% 1.770% 5/2/5 $4.63

    Home Equity Line of Credit3

    2.99% 6 Month Intro Rate! Rate APR* Payment Per
    $1,000
    CLTV < 70% Prime + 0 0 pts 4.25% 4.25% $7.52
    CLTV 70.01%-80% Prime + .50 0 pts 4.75% 4.75% $7.78
    CLTV 80.01%-90% Prime + 1.50 0 pts 5.75% 5.75% $8.30

    Estimated payment examples do not include property tax, insurance, or HOA fees, so your actual payment will be higher. Rates are not automatically locked in at time of application. Loan rate locks can be requested in writing after your loan has been pre-approved by CBC FCU. Other restrictions may apply. Call for details.

    1 LIBOR Adjustable Rate Mortgage (ARM): The estimated payment is based on an owner occupied 30 year, 5 or 7 year ARM at 80% loan-to-value (LTV). After the initial 5 years, the rate may adjust annually by no more than 5%. The maximum lifetime adjustment is 5%. Maximum 95% LTV on conforming and high balance purchases and 95% LTV on refinances. No Closing Cost offer is available for purchases and external refinances on the 5/1 ARM excluding Jumbo 5/1 ARM.For more information click here.

    2 CMT Adjustable Rate Mortgage (ARM): The estimated payment is based on an owner occupied 30 year, 5 year ARM at 80% LTV. After the initial 5 years, the rate may adjust every 5 years by no more than 5%. • The maximum lifetime cap is 5%. Maximum 95% LTV on conforming and high balance purchases and 95% LTV on refinances.

    3 Home Equity Line of Credit (HELOC): The Prime Rate as of Sept. 30, 20 17 was 4.25%.
    • This is a variable rate loan with a floor of 4% and cap of 14%
    • Rates quoted are for owner occupied single family homes
    • No Closing Cost, but a $500 Early Closure Reimbursement fee is in effect for 36 months to reimburse the credit union if the HELOC is closed.

    Call for non-owner-occupied rates and fees.