All Rates At CBC, our goal is to make your financial life as easy as possible, so we’ve put all of our rates in one place. From Savings accounts to mortgage rates, you name it, you can find it here! Home Loans Home purchase, refinance, or cash-out refinance and home equity lines of credit (Fixed and adjustable rates) See Rates Consumer Loans Auto Loans, RV Loans, Motorcycle Loans, Personal Loans, Eco Loans, Personal Line of Credit See Rates Savings Account Rates* Open a savings account today! Get Started Account TypeMinimum DepositTermStated RateAnnual Percentage YieldRegular Savings*$5Avg. Daily0.030%0.030%IRA Savings Account*$25Avg. Daily0.030%0.030%Health Savings Account**$100Avg. Daily0.030%0.030% Epic Premium Checking * TierMin. DepositTermStated RateAnnual Percentage YieldTier 1$0Avg. Daily0.030%0.030%Tier 2$2,000Avg. Daily0.100%0.100%Tier 3$25,000Avg. Daily0.250%0.250%Tier 4$50,000Avg. Daily0.499%0.500%Tier 5$100,000Avg. Daily0.747%0.750%Tier 6$250,000Avg. Daily0.995%1.000% Epic Premium Promotion 1-year Term Share Certificate Epic Premium account holders will enjoy a .25% bonus on a new 2-year Term Share Certificate to 2.000% APY | 1.982% Stated Rate 2-year Term Share Certificate Epic Premium account holders will enjoy a .25% bonus on a new 2-year Term Share Certificate to 2.500% APY | 2.472% Stated Rate 5-year Term Share Certificate Epic Premium account holders will enjoy a .25% bonus on a new 5-year Term Share Certificate to 3.000% APY | 2.960% Stated Rate Insured Money Market Rate Account * Open an insured money market account today! Get Started TierMin. DepositsTermStated RateAnnual Percentage YieldTier 1$0Avg. Daily0.000%0.000%Tier 2$2,000Avg. Daily0.030%0.030%Tier 3$25,000Avg. Daily0.100%0.100%Tier 4$50,000Avg. Daily0.250%0.250%Tier 5$100,000Avg. Daily0.399%0.400%Tier 6$250,000Avg. Daily0.747%0.750% Term Share and IRA Certificates ** Minimum DepositTermStated RateAnnual Percentage Yield$500 Min. Certs.3 months0.995%1.000%$500 Min. Certs.6 months1.243%1.250%$500 Min. Certs.1 year1.490%1.500%$500 Min. Certs.18 months1.736%1.750%$500 Min. Certs.2 years2.227%2.250%$500 Min. Certs.3 years2.325%2.350%$500 Min. Certs.4 years2.472%2.500%$500 Min. Certs.5 years2.716%2.750% * 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. The 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 Apply online for an Auto Loan (New or Used) today! Get Started New & Used Auto/Truck/Van (2017 model year and newer). Rates and terms apply to direct auto only. TermAPR Rates* as low asPayment per $1,00036 Months or less4.49% $29.7537-48 Months4.99%$23.0349-60 Months5.04%$18.9061-72 Months5.24%$16.2373-84 Months5.99%$14.61 Older Auto/Truck/Van (2016 – 2014 model years). Rates and terms apply to direct auto only. TermAPR Rates* as low asPayment per $1,00036 Months or less6.49%$30.6637-48 Months6.99%$23.9549-60 Months7.04%$19.83 Motorcycle Rates Apply online for a Motorcycle Loan today! Get Started TermAPR Rates* as low asPayment per $1,00036 Months or less5.25%$30.0937-48 Months5.50%$23.2649-60 Months5.75%$19.2261-72 Months6.00%$16.58 Boat & RV Rates Apply online for a Boat & RV Loan today! Get Started TermAPR Rates* as low asPayment per $1000Up to 60 Months6.25%$19.4661-120 Months6.75%$11.49121 - 180 Months 7.25%$9.14 Credit Card Rates Apply online for a Credit Card today! Get Started Visa Platinum 12-Month Intro Rateas low asThereafter as low as1.99% APR17.74% APR1 Epic Rewards Card Earn12-Month Intro Rateas low asThereafter as low as5% back on Gas & Travel* 3% back on Groceries* 1% back on Everything Else**1.99% APR112.74% APR1 Personal Loan Rates Apply online for a personal loan today! Get Started TypeTermAPR Rates* as low asPayment per $1000Signature Loan ($500+)12 Months or less9.50%$87.71Signature Loan($2,000+)13-24 Months10.00%$46.17Signature Loan($5,000+)25-36 Months10.50%$32.52Signature Loan ($7,500+)37-48 Months11.00%$25.86Signature Loan ($10,000+)49-60 Months11.50%$22.01Personal Line of CreditOpen Ended9.00% Secured Loan Rates TypeTermAPR Rates* as low asShare SecuredLess than 2 years3.00% above the dividend rateShare Secured24 to 47 Months4.00% above the dividend rateShare Secured48 to 60 Months5.00% above the dividend rateTerm Share Certificate Secured3 Months to 5 Years3.00% above the dividend rate * APR = Annual Percentage Rate. Rates vary with the 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 ext 2806 for rates on refinancing existing CBC FCU loans. Home Loan Rates Apply Online Today! Get Started Fixed-Rate Mortgages Fixed-Rate Mortgage – Conforming (up to $647,200)1,2 ProductRate as low asDiscount PointsAPR as low asPayment per $100010 Year4.875%04.9415$10.48 15 Year5.000%05.0492$7.9120 Year5.375%05.4143$6.8130 Year5.750%05.7798$5.84 Fixed Rate Mortgage – Non-Owner Occupied4 Fixed Rate Mortgage – High Balance (up to $851,000)2 ProductRate as low asDiscount PointsAPR as low asPayment per $100015 Year5.250%05.2876$8.04 30 Year6.375%06.3985$6.24 Fixed Rate Mortgage – Jumbo (up to $4,000,000) ProductRate as low asDiscount PointsAPR as low asPayment per $100015 Year6.250%06.2582$8.5730 Year6.375%06.3800$6.24 Home Equity Loans – Fixed Rate 2nd3 Get Real-Time Rates Check Rates Adjustable Rate Mortgages (ARM) 5 Conforming/No Closing Costs 5/1 ARM (up to $647,200) ProductRateAPRPointsMarginIndexCaps EstPayment per $10005/6M5.000%4.0840%02.75%0.9476%2/1/5$5.377/6M5.250%4.3080%02.75%0.9476%5/1/5$5.52 High Balance/No Closing Costs 5/1 ARM (up to $851,000) ProductRateAPRPointsMarginIndexCaps EstPayment per $10005/6M5.125%4.1120%02.75%0.9476%2/1/5$5.447/6M5.375%4.3480%02.75%0.9476%5/1/5$5.60 Jumbo (up to $4,000,000) ProductRateAPRPointsMarginIndexCaps EstPayment per $10005/6M5.250%4.1290%02.75%0.9476%2/1/5$5.527/6M5.500%4.3780%02.75%0.9476%5/1/5$5.68 Conforming (up to $647,200)6 ProductRateAPRPointsMarginIndexCaps EstPayment per $10005/54.250%5.7050%02.75%3.4500%5/2/5$4.92 Jumbo (up to $2,000,000) ProductRate APRPoints MarginIndexCaps EstPayment per $10005/54.375%5.7200%02.75%3.4500%5/2/5$4.99 Home Equity Line of Credit7 – 2.99% 12 Month Intro Rate! 1. FIXED-RATE rates and APRs based on an owner-occupied, single-family home, a loan amount of $548,250 (conforming) or $739,450 (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. 10 year & 15-year products only. 3. Rates and APRs based on an owner-occupied, single-family home, a loan amount of $50,000, a maximum LTV of 80%, a credit score above 640, and approximate pre-paid finance charges of $100. 4. Rate and APR based on conforming loan amount and 70% LTV. Call for higher LTV’s. Rates are subject to change without notice. These mortgage rates apply only to 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 the time of application. Loan rate locks can be requested in writing after your loan has been pre-approved by CBC FCU. 5. 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. 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 the 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 6. 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. 7. Home Equity Line of Credit (HELOC): The Prime Rate as of March 31st, was 3.50%.• 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. Back to top