Rates


Account Rates

Effective July 31st, 2019

  • Checking Accounts

    Account (APR paid monthly) APR* APY**
    Simply Free Checking Account 0 0
    Money Market Account (minimum balance of $2,500.00) 0.10% 0.10%
    Money Market Account (minimum balance of $10,000.00) 0.15% 0.15%
    Money Market Account (minimum balance of $25,000.00) 0.20% 0.20%
    Money Market Account (minimum balance of $50,000.00) 0.25% 0.25%
    Money Market Account (minimum balance of $100,000.00) 0.30% 0.30%
  • Savings Accounts

    Account (APR paid monthly) APR* APY**
    Savings Account (dividends paid on balance greater than $150.00) 0.05% 0.05%
    Jr. Saver Account 0.05% 0.05%
    Christmas Club Savings 1.00% 1.00%
    Summer Saver Account 1.00% 1.00%
  • Share Certificates

    Certificate (APR paid monthly) APR* APY**
    $1,000.00 Minimum Balance
    6 Month (minimum balance of $1,000.00) 1.29% 1.30%
    12 Month (minimum balance of $1,000.00) 1.98% 2.00%
    24 Month (minimum balance of $1,000.00) 2.18% 2.20%
    36 Month (minimum balance of $1,000.00) 2.33% 2.35%
    48 Month (minimum balance of $1,000.00) 2.47% 2.50%
    60 Month (minimum balance of $1,000.00) 2.96% 3.00%
    $10,000.00 Minimum Balance
    6 Month (minimum balance of $10,000.00) 1.29% 1.30%
    12 Month (minimum balance of $10,000.00) 1.98% 2.00%
    24 Month (minimum balance of $10,000.00) 2.18% 2.20%
    36 Month (minimum balance of $10,000.00) 2.33% 2.35%
    48 Month (minimum balance of $10,000.00) 2.47% 2.50%
    60 Month (minimum balance of $10,000.00) 2.96% 3.00%
    $25,000.00 Minimum Balance
    6 Month (minimum balance of $25,000.00) 1.29% 1.30%
    12 Month (minimum balance of $25,000.00) 1.98% 2.00%
    24 Month (minimum balance of $25,000.00) 2.18% 2.20%
    36 Month (minimum balance of $25,000.00) 2.33% 2.35%
    48 Month (minimum balance of $25,000.00) 2.47% 2.50%
    60 Month (minimum balance of $25,000.00) 2.96% 3.00%
    $100,000.00 Minimum Balance
    6 Month (minimum balance of $100,000.00) 1.29% 1.30%
    12 Month (minimum balance of $100,000.00) 1.98% 2.00%
    24 Month (minimum balance of $100,000.00) 2.18% 2.20%
    36 Month (minimum balance of $100,000.00) 2.33% 2.35%
    48 Month (minimum balance of $100,000.00) 2.47% 2.50%
    60 Month (minimum balance of $100,000.00) 2.96% 3.00%
  • IRA Certificates

    Certificate (APR paid Monthly) APR* APY**
    12 Month Term ($1,000.00 Balance) 0.85% 0.85%
    12 Month Term ($10,000.00 Balance) 0.90% 0.90%
    12 Month Term ($25,000.00 Balance) 0.95% 0.95%
    12 Month Term ($100,000.00 Balance) 1.00% 1.00%
  • Individual Retirement Accounts (IRA’s)

    Account (APR paid Monthly) APR* APY**
    0-$24,999.00 balance 0.10% 0.10%
    $25,000.00 balance 0.15% 0.15%
    $50,000.00 0.20% 0.20%
    $75,000.00 0.25% 0.25%
    $100,000.00 + 0.30% 0.30%
  • Fees may reduce earnings on applicable accounts.

  • Please note that the rate for all variable deposit accounts is accurate as of the effective date listed above and that the rate on variable deposit accounts may change from time to time.

  • $2,500.00 minimum balance required to earn interest on Money Market Account, if the balance falls below $2,500.00 an $8.00 per month fee will apply.

  • $25.00 minimum opening balance for Savings Accounts for a single owner and $50.00 minimum opening balance for joint owners.

  • $5.00 minimum opening balance for Jr. Savers Account.

  • Share Certificates are subject to a fee if withdrawn prior to term.

  • IRA’s accounts are subject to a $20.00 annual fee.

  • Dividends can be forfeited if account is closed before accrued dividends are credited.

  • Please be advised rates are subject to change without notice.


Loan Rates

Effective July 31st, 2019

Loan rates with County Schools Federal Credit Union cover new and used cars, trucks, recreational vehicles, and many other consumer loans. Take advantage of the loan rates offered by CSFCU, a not-for-profit financial cooperative, ready to assist you!

  • New Auto Loan

    Amount Financed Term of Loan Loan Amount Annual Percentage Rate*
    Up to 125% 24-48 Months $2,500.00 - $75,000.00 As Low As 2.79%
    Up to 125% 49-60 Months $2,500.00 - $75,000.00 As Low As 3.25%
    Up to 125% 61-72 Months $15,000.00 - $75,000.00 As Low As 3.75%
    Up to 125% 73-84 Months $25,000.00 - $75,000.00 As Low As 4.50%
    Example: $15,000.00 used auto loan with 60 month term and 3.00% APR* the loan payment per month is $269.56.
  • Used Auto Loan

    Amount Financed Term of Loan Loan Amount Annual Percentage Rate*
    Up to 125% 24-48 Months $2,500.00 - $60,000.00 As Low As 2.79%
    Up to 125% 49-60 Months $2,500.00 - $60,000.00 As Low As 3.25%
    Up to 125% 61-72 Months $15,000.00 - $60,000.00 As Low As 3.75%
    Up to 125% 73-84 Months $25,000.00 - $60,000.00 As Low As 4.50%
    Example: $15,000.00 used auto loan with 60 month term and 3.50% APR* the loan payment per month is $272.91.
  • Motor Home Loan

    New/Used Term of Loan Loan Amount Annual Percentage Rate*
    New 24-84 month $5,000.00 - $75,000.00 As Low As 7.50%
    Used 24-84 month $5,000.00 - $60,000.00 As Low As 8.00%
    Example: $15,000 new motor home loan with 60 month term and 7.50% APR* the loan payment per month is $300.65.
  • Home Loan

    Home Loan Term
    Home Loan Loan subject to underwriting from our Business Partner Right Choice Mortgage
  • Home Equity Line of Credit (HELOC)

    Home Line of Credit APR Term
    HELOC (Fixed) As Low As 6.50% Up to 15 year term
    HELOC (Variable) Prime with floor of 4.50% Up to 25 year term
    Example: $200,000.00 loan amount at 4.50% best APR* variable rate, 25 year-term, the monthly payment is $1,113.00.
  • Personal Loan

    As low as 10.50% APR* 12-48 month terms
    Example: $1,000 personal loan with 12 month term and 10.50% APR* the loan payment per month is $88.34.
  • Credit Builder Loan

    As low as 15.00% with 12-48 month terms*
    Example: $800 credit builder loan at 15.00% APR* the loan payment per month is $72.21.
  • Overdraft Protection Loan

    Revolving - As low as 14.90% APR*
    Example: $500.00 overdraft protection loan with 12 month term and 14.90% APR* the loan payment per month is minimum $25.00 or 17% of balance; whichever is greater.
  • Share Secured Loan

    3.00% APR* Above Current Share Rate
  • *APR= Annual Percentage Rate. Rate depends on credit qualifications and approval.

  • Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions.

  • Higher interest rates may apply for each category of loan depending on the member's individual credit information.

  • All loans are subject to underwriting guidelines and are subject to approval.

  • Gap insurance may be available for higher loan approvals.