Rates - Cooper's Cave Federal Credit Union

	Early Withdrawal Penalty (Days of Dividend)	Dividend Rate	APY*
6 Months	90	0.05	0.05
12 Months	90	0.10	0.10
24 Months	120	0.15	0.15
IRA 12 Months	90	0.10	0.10

Effective March 1, 2021
Minimum $1,000 certificate deposit
Rates on Average Daily Balance for the month
Annual Percentage Yield (APY*) assumes that the principal and interest are on deposit for one year at the same rate
All rates are subject to change without advance notice

	Minimum Balance	Dividend Rate	APY*	Term
Shares	$500	0.05	0.05	n/a
Club Accounts	$100	0.05	0.05	n/a
Money Market - Tier 1	$500–$4,999	0.05	0.05	n/a
Money Market - Tier 2	$5,000–$24,999	0.10	0.10	n/a
Money Market - Tier 3	$25,000+	0.15	0.15	n/a
IRA	$100	0.05	0.05	n/a

Home Equity	Fixed (80% of equity, $25,000 to $100,000 or less, 5-10 year term)	APR*
Rate 5.50	Points 0	5.50

Home Equity	Fixed (80% of equity, $100,001 to $200,000 or less, 5-20 year term)	APR*
Rate 5.99	Points 0	5.99

Home Equity Line of Credit	Variable (80% equity, $25,000 to $100,000, 5-10 year term)	APR*
Rate 2.99	Points 0	2.99

Home Equity Line of Credit	Variable (80% equity, $100,001 to $200,000, 5-20 year term)	APR*
Rate 2.99	Points 0	2.99

*APR = Annual Percentage Rate

Effective July 1, 2023
At a 5.45% rate, your calculated payment on $25,000 for 5 years is $21.48 per $1,000 financed.
At a 5.45% rate, your calculated payment on $100,000 for 10 years is $10.82 per $1,000 financed.
At a 6.24% rate, your calculated payment on $200,000 for 20 years is $7.30 per $1,000 financed.
Credit restrictions apply.
All rates are subject to change without advance notice.
The closing costs for the loan will be the New York State Mortgage Tax. New York State Mortgage Tax varies slightly by county and is equal to 0.75% to 1% of the financed amount.
Cooper's Cave FCU will pay all other closing costs and requires the loan to be in repayment status for 60 months. If the loan is paid off before 60 months, all closing costs incurred will be added to the balance of the loan.
Cooper's Cave Federal Credit Union is not responsible or liable for typographical errors regarding posted rates.
Contact your tax advisor for tax deduction purposes.

Effective January 1, 2020
The quoted rate is valid for the first twelve months of the loan. The rate will be adjusted to the prime rate plus 1.5%, as published in the Wall Street Journal, 30 days prior to the annual interest rate adjustment.
The rate adjustment is based on the Prime Rate as published in the Wall Street Journal with a margin of 1.00%. The rate cannot increase or decrease more than 2.0 percentage points in any one year. The rate cannot fall below the regular published rate and can not exceed 12.00%.
The closing costs for the loan will be the New York State Mortgage Tax. New York State Mortgage Tax varies slightly by county and is equal to 0.75% to 1.0% of the financed amount.
Cooper's Cave FCU will pay all other closing costs and requires the loan to be in repayment status for 60 months. If the loan is paid off prior to 60 months, all closing costs incurred will be added to the balance of the loan.
There is a 7-year draw period on the line of credit.
Credit Restrictions apply.
All rates are subject to change without advance notice.
Cooper's Cave Federal Credit Union is not responsible for typographical errors regarding posting rates.
Contact your tax adviser for tax deduction purposes.

Rate	APR*
14.50	14.50

Effective January 1, 2020

Overdraft loan line of credit of $500 reflects a $35 monthly payment.

Overdraft loan line of credit of $1,000 reflects a $45 monthly payment.

Receive up to 0.50% discount off your new loan rate when you have any two of the following products.

(0.25% discount per product; maximum of 0.50% discount)

Active checking account with direct/payroll deposit (account must be in good standing for the last 30 days)
Visa debit card or prepaid MasterCard
CCFCU loan in repayment (loan must be in good standing for the last 90 days)
Collateral loan with a 20% difference between NADA retail and the amount financed
E-statements

Fully Secured by Shares - Loan rate 2.00% above share dividend rate for a maximum of 60 months.

Please call for rates on credit scores of 549 or less.

Credit Rating	A+	A	B	C	D
48 Months (APR*)	5.00%	5.60%	7.00%	9.75%	12.25%
60 Months (APR*)	5.00%	5.60%	7.00%	9.75%	12.25%
72 Months (APR*)	5.35%	5.85%	7.25%	10.00%	n/a
84 Months (APR*)	5.60%	6.10%	7.50%	10.25%	n/a

Credit Rating	A+	A	B	C	D
24 Months (APR*)	8.95%	9.95%	12.95%	15.45%	17.45%
36 Months (APR*)	8.95%	9.95%	12.95%	15.45%	n/a
48 Months (APR*)	8.95%	9.95%	12.95%	n/a	n/a

Credit Rating	A+	A	B	C	D
36 Months (APR*)	7.69%	9.69%	12.69%	14.69%	16.20%
48 Months (APR*)	7.69%	9.69%	12.69%	14.69%	n/a
60 Months (APR*)	7.69%	9.69%	n/a	n/a	n/a

Effective January 1, 2026
Credit restrictions apply.
All rates and terms are subject to change without advance notice.
Cooper’s Cave Federal Credit Union is not responsible or liable for typographical errors regarding posted rates.
All terms are not available for all vehicle years. Call the credit union for details.