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)

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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 Type	Minimum Deposit	Term	Stated Rate	Annual Percentage Yield
Regular Savings*	$5	Avg. Daily	0.030%	0.030%
IRA Savings Account*	$25	Avg. Daily	0.030%	0.030%
Health Savings Account**	$100	Avg. Daily	0.030%	0.030%

Epic Premium Checking *

Tier	Min. Deposit	Term	Stated Rate	Annual Percentage Yield
Tier 1	$0	Avg. Daily	0.030%	0.030%
Tier 2	$2,000	Avg. Daily	0.250%	0.250%
Tier 3	$25,000	Avg. Daily	0.499%	0.500%
Tier 4	$50,000	Avg. Daily	0.995%	1.000%
Tier 5	$100,000	Avg. Daily	1.982%	2.000%
Tier 6	$250,000	Avg. Daily	2.960%	3.000%

Epic Premium Promotion

Epic Premium account holders will enjoy a .50% bonus on a new 1-year Term Share Certificate to 4.50% APY | 4.41% Stated Rate

Epic Premium account holders will enjoy a .25% bonus on a new 2-year Term Share Certificate to 4.25% APY | 4.169% Stated Rate

Epic Premium account holders will enjoy a .50% bonus on a new 5-year Term Share Certificate to 4.25% APY | 4.169% Stated Rate

Insured Money Market Rate Account *

Open an insured money market account today! Get Started

Tier	Min. Deposits	Term	Stated Rate	Annual Percentage Yield
Tier 1	$0	Avg. Daily	0.000%	0.000%
Tier 2	$2,000	Avg. Daily	0.030%	0.030%
Tier 3	$25,000	Avg. Daily	0.250%	0.250%
Tier 4	$50,000	Avg. Daily	0.499%	0.500%
Tier 5	$100,000	Avg. Daily	0.995%	1.000%
Tier 6	$250,000	Avg. Daily	1.982%	2.000%

Term Share and IRA Certificates **

Minimum Deposit	Term	Stated Rate	Annual Percentage Yield
$500 Min. Certs.	3 months	4.410%	4.500%
$500 Min. Certs.	3 Months with **Epic Premium Checking	4.889%	5.000%
$500 Min. Certs.	6 months	4.410%	4.500%
$500 Min. Certs.	6 Months with **Epic Premium Checking	4.650%	4.750%
$500 Min. Certs.	1 year	4.169%	4.250%
$500 Min. Certs.	1 year with **Epic Premium Checking	4.410%	4.500%
$500 Min. Certs.	1 Year IRA with **Epic Premium Checking	5.128%	5.250%
$500 Min. Certs.	18 months	3.928%	4.000%
$500 Min. Certs.	18 months with **Epic Premium Checking	4.410%	4.500%
$500 Min. Certs.	2 years	3.687%	3.750%
$500 Min. Certs.	2 years with **Epic Premium Checking	4.169%	4.250%
$500 Min. Certs.	3 years	3.687%	3.750%
$500 Min. Certs.	4 years	3.687%	3.750%
$500 Min. Certs.	5 years	3.687%	3.750%
$500 Min. Certs.	5 years with **Epic Premium Checking	4.169%	4.250%

* 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 (2019 model year and newer). Rates and terms apply to direct auto only.

Term	APR Rates* as low as	Payment per $1,000
36 Months or less	5.74%	$30.31
37-48 Months	5.74%	$23.37
49-60 Months	5.99%	$19.33
61-72 Months	6.24%	$16.69
73-84 Months	6.74%	$14.97

Old Auto/Truck/Van (2018 – 2017 model years). Rates and terms apply to direct auto only.

Term	APR Rates* as low as	Payment per $1,000
36 Months or less	6.74%	$30.76
37-48 Months	6.74%	$23.83
49-60 Months	6.99%	$19.80
61-72 Months	7.24%	$17.17
73-84 Months	7.74%	$15.46

Older Auto/Truck/Van (2016 or older model years). Rates and terms apply to direct auto only.

Term	APR Rates* as low as	Payment per $1,000
36 Months or less	7.74%	$31.22
37-48 Months	7.74%	$24.30
49-60 Months	7.99%	$20.28

* APR = Annual Percentage Rate. Rates vary with the amount financed, term, and 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 8806 for rates on refinancing existing CBC FCU loans. Promotional APR is with the purchase of an Epic Premium Checking account and CBC Auto Insurance. No salvage title vehicles.

Motorcycle Rates

Apply online for a Motorcycle Loan today! Get Started

Term	APR Rates* as low as	Payment per $1,000
36 Months or less	8.40%	$30.93
37-48 Months	8.40%	$24.23
49-60 Months	8.65%	$20.11
61-72 Months	8.90%	$17.39

Boat & RV Rates

Apply online for a Boat & RV Loan today! Get Started

Term	APR Rates* as low as	Payment per $1000
Up to 60 Months	8.21%	$19.91
61-120 Months	8.71%	$11.83
121 - 180 Months	9.21%	$9.66

Credit Card Rates

Apply online for a Credit Card today! Get Started

Visa Platinum

as low as
14.50% APR¹

Epic Rewards Card

Earn	as low as
5% back on Gas & Travel* 3% back on Groceries* 1% back on Everything Else**	17.75% APR¹

Personal Loan Rates

Apply online for a personal loan today! Get Started

Type	Term	APR Rates* as low as	Payment per $1000
Signature Loan ($500+)	12 Months or less	10.99%	$87.71
Signature Loan ($2,000+)	13-24 Months	11.49%	$46.17
Signature Loan ($5,000+)	25-36 Months	11.99%	$32.52
Signature Loan ($7,500+)	37-48 Months	12.49%	$25.86
Signature Loan ($10,000+)	49-60 Months	12.99%	$22.01
Personal Line of Credit	Open Ended	15.00%

Secured Loan Rates

Type	Term	APR Rates* as low as
Share Secured	Less than 2 years	5.00% above the dividend rate
Share Secured	24 to 47 Months	5.50% above the dividend rate
Share Secured	48 to 60 Months	6.00% above the dividend rate
Term Share Certificate Secured	3 Months to 5 Years	3.00% 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 $726,200)^1,2

Product	Rate as low as	APR as low as	Payment per $1000
15 Year	5.500%	5.500	$8.17
30 Year	5.875%	5.875	$5.92
30 Year VA	5.625%	5.653	$5.76
30 Year FHA	5.625%	5.653	$5.76

Fixed Rate Mortgage – Non-Owner Occupied⁴

Fixed Rate Mortgage – High Balance (up to $948,750)²

Product	Rate as low as	Discount Points	APR as low as	Payment per $1000
15 Year	6.875%	.50	7.165	$8.92
30 Year	6.875%	.50	7.150	$6.57

Fixed Rate Mortgage – Jumbo (up to $4,000,000)

Product	Rate as low as	Discount Points	APR as low as	Payment per $1000
15 Year	6.250%	.0	6.275	$8.57
30 Year	6.250%	.0	6.265	$6.16

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 $726,200)

Product	Rate	APR	Points	Margin	Index	Caps Est	Payment per $1000
5/6M	5.875%	7.560%	.00	2.75%	5.347%	2/1/5	$5.92
7/6M	6.000%	7.390%	.00	2.75%	5.347%	5/1/5	$6.00

High Balance/No Closing Costs 5/1 ARM (up to $948,750)

Product	Rate	APR	Points	Margin	Index	Caps Est	Payment per $1000
5/6M	6.875%	7.868%	.50	2.75%	5.347%	2/1/5	$6.57
7/6M	6.875%	7.750%	.50	2.75%	5.347%	5/1/5	$6.57

Jumbo (up to $4,000,000)

Product	Rate	APR	Points	Margin	Index	Caps Est	Payment per $1000
5/6M	6.250%	7.644%	.0	2.75%	5.347%	2/1/5	$6.16
7/6M	6.250%	7.465%	.0	2.75%	5.347%	5/1/5	$6.16

Conforming (up to $726,200)⁶

Product	Rate	APR	Points	Margin	Index	Caps Est	Payment per $1000
5/5	6.875%	6.516%	.0	2.75%	3.730%	5/2/5	$6.57

Jumbo (up to $2,000,000)

Product	Rate	APR	Points	Margin	Index	Caps Est	Payment per $1000
5/5	6.250%	6.436%	.0	2.75%	3.730%	5/2/5	$6.16

Home Equity Line of Credit⁷ – 2.99% 12-Month Intro Rate!

CLTV	Prime	Rate	APR*	Payment per $1000
CLTV < 70%	Prime + .50	9.00%	9.00%	$10.14
CLTV 70.01%-80%	Prime + .75	9.25%	9.25%	$10.29
CLTV 80.01%-90%	Prime + 1.50	10.00%	10.00%	$10.75

FIXED RATE rates and APRs based on an owner-occupied, single-family home, a loan amount of $766,550
(conforming) or $954,500 (high balance), a maximum LTV of 95% on purchases and 95% on refinances, a
credit score above 620, 1.000 points paid and approximate pre-paid finance charges of $2,417. A no lender cost
option available.
For FIXED RATE non-owner-occupied property maximum LTV 70%. Not all products are available for non-owner occupied properties.
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 620 and approximate pre-paid finance charges of $1800.
Rate and APR based on conforming loan amount and 70% LTV.

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, debt ratio 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.

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.

Secured Overnight Financing Rate (SOFR) after the initial 5 years, the rate may adjust every 6 months by no more than 2%. The maximum lifetime adjustment is 5%. Maximum 95% LTV on conforming and high balance purchases and 95% LTV on refinances.
Secured Overnight Financing Rate (SOFR) after the initial 7 years, the rate may adjust every 6 months by no more than 5%. The maximum lifetime adjustment is 5%. Maximum 95% LTV on conforming and high balances purchases and refinances.
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.
⁺ Home Equity Line of Credit (HELOC): The Prime Rate as of August 31st 2024 was 8.50%..
a. This is a variable rate loan with a floor of 4% and cap of 14%
b. Rates quoted are for owner-occupied and non-owner single-family homes with a min fico of 680
c. Closing costs are $999 + Appraisal Fee if required