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*

Account TypeMinimum DepositTermStated RateAnnual Percentage Yield
Regular 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 Yield
Tier 1$0Avg. Daily0.030%0.030%
Tier 2$2,000Avg. Daily0.050%0.050%
Tier 3$25,000Avg. Daily0.100%0.100%
Tier 4$50,000Avg. Daily0.150%0.150%
Tier 5$100,000Avg. Daily0.250%0.250%
Tier 6$250,000Avg. Daily0.300%0.300%
Epic Premium Promotion

2-year Term Share Certificate

Epic Premium account holders will enjoy a .25% bonus on a new 2-year Term Share Certificate to 0.750% APY | 0.747% Stated Rate

5-year Term Share Certificate

Epic Premium account holders will enjoy a .15% bonus on a new 5-year Term Share Certificate to 1.000% APY | 0.995% Stated Rate

Insured Money Market Rate Account *

TierMin. DepositsTermStated RateAnnual Percentage Yield
Tier 1$0Avg. Daily0.000%0.000%
Tier 2$2,000Avg. Daily0.030%0.030%
Tier 3$25,000Avg. Daily0.050%0.050%
Tier 4$50,000Avg. Daily0.100%0.100%
Tier 5$100,000Avg. Daily0.150%0.150%
Tier 6$250,000Avg. Daily0.200%0.200%

Term Share and IRA Certificates **

Minimum DepositTermStated RateAnnual Percentage Yield
$500 Min. Certs.3 months0.100%0.100%
$500 Min. Certs.6 months0.200%0.200%
$500 Min. Certs.1 year0.350%0.350%
$500 Min. Certs.18 months0.400%0.400%
$500 Min. Certs.2 years0.499%0.500%
$500 Min. Certs.3 years0.648%0.650%
$500 Min. Certs.4 years0.747%0.750%
$500 Min. Certs.5 years0.847%0.850%

* 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

New & Used Auto/Truck/Van (2017 model year and newer). Rates and terms apply to direct auto only.

TermAPR Rates* as low asPayment per $1,000
36 Months2.49% $28.86
48 Months2.74%$22.03
60 Months2.74%$17.86
72 Months3.24%$15.31
84 Months3.99%$13.67

Older Auto/Truck/Van (2016 – 2014 model years). Rates and terms apply to direct auto only.

TermAPR Rates* as low asPayment per $1,000
36 Months2.49%$28.86
48 Months2.74%$22.03
60 Months2.74%$17.86
72 Months3.24%$15.31
84 Months3.99%$13.67

Motorcycle Rates

TermAPR Rates* as low asPayment per $1,000
up to 24 Months4.44%$43.62
36 Months4.44%$29.72
48 Months4.44%$22.78
60 Months4.44%$18.62
72 Months5.19%$16.20

Boat & RV Rates

TermAPR Rates* as low asPayment per $1000
Up to 60 Months6.00%$19.34
61-120 Months5.50%$10.86
121 - 180 Months 5.00%$7.91

Credit Card Rates

Type6-month Intro APR Rate* as low asAPR Rates* as low as
Visa Platinum2.99%7.49%
Epic Rewards2.99%12.49%

Personal Loan Rates

TypeTermAPR Rates* as low asPayment per $1000
Personal Loan
($500 - $4,999)
Up to 36 Months8.00%$31.34
Personal Loan
($5,000 - $7,499)
37 to 48 Months8.50%$24.65
Personal Loan
($7,500 - $25,000)
49 to 60 Months9.00%$20.76
Personal Line of CreditOpen Ended9.00%

Secured Loan Rates

TypeTermAPR Rates* as low as
Share SecuredLess than 2 years2.00%
above the dividend rate
Share Secured24 to 47 Months3.00%
above the dividend rate
Share Secured48 to 60 Months4.00%
above the dividend rate
Certificate Secured3 Months to 5 Years2.00%
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

Fixed-Rate Mortgages

Fixed-Rate Mortgage – Conforming (up to $548,250)1,2

ProductRate as low asDiscount PointsAPR as low asPayment per $1000
10 Year2.250%02.3287$9.31
15 Year2.250%02.3036$6.55
20 Year2.625%02.6666$5.36
30 Year2.750%02.7794$4.08

Fixed Rate Mortgage – Non-Owner Occupied4

ProductRate as low asDiscount PointsAPR as low asPayment per $1000
30 Due in 153.750.503.8647$4.63

Fixed Rate Mortgage – High Balance (up to $739,450)2

ProductRate as low asDiscount PointsAPR as low asPayment per $1000
15 Year2.875%02.9150$6.85
30 Year2.875%02.8970$4.15

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

ProductRate as low asDiscount PointsAPR as low asPayment per $1000
20 Year2.875%02.8865$5.48
30 Year2.875%02.8831$4.15

Home Equity Loans – Fixed Rate 2nd3

ProductRate as low asDiscount PointsAPR as low asPayment per $1000
15 Year4.500%05.1456$7.65
20 Year4.750%05.2607$6.46

Adjustable Rate Mortgages (ARM) 5

Conforming/No Closing Costs 5/1 ARM (up to $548,250)

ProductRateAPRPointsMarginIndexCaps EstPayment per $1000
5/12.500%2.5760%02.25%0.2654%5/2/5$3.95
7/12.750%2.6370%02.25%0.2654%5/2/5$4.02

High Balance/No Closing Costs 5/1 ARM (up to $739,450)

ProductRateAPRPointsMarginIndexCaps EstPayment per $1000
5/12.625%2.5690%02.25%0.2654%5/2/5$4.02
7/12.875%2.6780%02.25%0.2654%5/2/5$4.15

Jumbo (up to $4,000,000)

ProductRateAPRPointsMarginIndexCaps EstPayment per $1000
5/12.750%2.5870%02.25%0.2654%5/2/5$4.08
7/13.000%2.7090%02.25%0.2654%5/2/5$4.22

Conforming (up to $548,250)6

ProductRateAPRPointsMarginIndexCaps EstPayment per $1000
5/52.750%3.3240%02.75%0.7600%5/2/5$4.08

Jumbo (up to $2,000,000)

ProductRate APRPoints MarginIndexCaps EstPayment per $1000
5/52.875%3.3020%02.75%0.7600%5/2/5$4.15

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

RateAPR*Payment per $1000
CLTV < 70%Prime + 00 pts4.00%4.00%$7.40
CLTV 70.01%-80%Prime + .500 pts4.00%4.00%$7.40
CLTV 80.01%-90%Prime + 1.500 pts4.75%4.75%$7.78

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 September 30th, was 3.25%.
• 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.

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