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Checking

TermAPYMinimum BalanceDividend Rate
Term: Met Qualifications - Balance up to $10,000APY: 5.25%Minimum Balance: $0.01Dividend Rate: 5.13%
Term: Met Qualifications - Balance over $10,000APY: 0.05%Minimum Balance: $10,000.00Dividend Rate: 0.05%

* APY= Annual Percentage Yield. APY is accurate as of 5/1/2023. Fees could reduce earnings. APY is variable and may change after the account is opened. ATM fee refunds are capped at a maximum of $25.00 per monthly qualification cycle.

** Debit or credit card purchases must be at least equal to $5.00 per purchase to count towards the 15 qualification purchases each month.

Savings

APYMinimum BalanceDividend Rate
APY: 0.10%Minimum Balance: $5.00Dividend Rate: 0.10%

APY denotes Annual Percentage Yield. APY is accurate as of 9/19/19. Fees may reduce earnings. APY is variable and may change after the account is opened.

TermAPYMinimum BalanceDividend Rate
Term: 30 days-Dividends paid at maturityAPY: 4.50%Minimum Balance: $500.00Dividend Rate: 4.41%
Term: 91 days-Dividends paid at maturityAPY: 4.50%Minimum Balance: $500.00Dividend Rate: 4.43%
Term: 182 days-Dividends paid at maturityAPY: 4.50%Minimum Balance: $500.00Dividend Rate: 4.45%
Term: 12 months-Dividends credited quarterlyAPY: 4.50%Minimum Balance: $500.00Dividend Rate: 4.43%
Term: 18 months-Dividends credited quarterlyAPY: 4.50%Minimum Balance: $1,000.00Dividend Rate: 4.43%
Term: 24 months-Dividends credited quarterlyAPY: 4.50%Minimum Balance: $1,000.00Dividend Rate: 4.43%
Term: 30 months*-Dividends credited quarterlyAPY: 4.25%Minimum Balance: $1,000.00Dividend Rate: 4.18%
Term: 36 months-Dividends credited quarterlyAPY: 4.25%Minimum Balance: $1,000.00Dividend Rate: 4.18%
Term: 48 months-Dividends credited quarterlyAPY: 4.15%Minimum Balance: $1,000.00Dividend Rate: 4.09%
Term: 60 months-Dividends credited quarterlyAPY: 4.10%Minimum Balance: $1,000.00Dividend Rate: 4.04%
Term: 72 months-Dividends credited quarterlyAPY: 4.00%Minimum Balance: $1,000.00Dividend Rate: 3.94%
Term: SPECIAL 7 month-Dividends paid at maturityAPY: 5.35%Minimum Balance: $500.00Dividend Rate: 5.29%

Certificate accounts are subject to SUBSTANTIAL PENALTY for early withdrawal. Early withdrawal may affect APY. If minimum balance is not kept, service charges may affect APY. APY denotes Annual Percentage Yield. APY is accurate as of 12/15/2023. Fees could reduce earnings.

*Bump and Jump Certificate, certain limitations apply, please view the Truth-in-Savings disclosure.

TermAPYMinimum BalanceDividend Rate
Term: 91 days-Dividends paid at maturityAPY: 4.50%Minimum Balance: $100,000.00Dividend Rate: 4.43%
Term: 182 days-Dividends paid at maturityAPY: 4.50%Minimum Balance: $100,000.00Dividend Rate: 4.45%
Term: 12 months-Dividends credited quarterlyAPY: 4.50%Minimum Balance: $100,000.00Dividend Rate: 4.43%
Term: 18 months-Dividends credited quarterlyAPY: 4.50%Minimum Balance: $100,000.00Dividend Rate: 4.43%
Term: 24 months-Dividends credited quarterlyAPY: 4.50%Minimum Balance: $100,000.00Dividend Rate: 4.43%
Term: 36 months-Dividends credited quarterlyAPY: 4.25%Minimum Balance: $100,000.00Dividend Rate: 4.18%

Certificate accounts are subject to SUBSTANTIAL PENALTY for early withdrawal. Early withdrawal may affect APY. If minimum balance is not kept, service charges may affect APY. APY denotes Annual Percentage Yield. APY is accurate as of 8/18/2023. Fees could reduce earnings.

Deposit AmountAPYMinimum BalanceDividend Rate
Deposit Amount: $2,500 - $4,999APY: 0.15%Minimum Balance: $2,500Dividend Rate: 0.15%
Deposit Amount: $5,000 - $24,999APY: 0.15%Minimum Balance: $5,000Dividend Rate: 0.15%
Deposit Amount: $25,000 - $49,999APY: 0.20%Minimum Balance: $25,000Dividend Rate: 0.20%
Deposit Amount: $50,000 - $99,999APY: 0.20%Minimum Balance: $50,000Dividend Rate: 0.20%
Deposit Amount: $100,000 +APY: 0.25%Minimum Balance: $100,000Dividend Rate: 0.25%

APY denotes Annual Percentage Yield. APY is accurate as of 12/1/2022. Fees may reduce earnings. APY is variable and may change after the account is opened.

TermAPYMinimum BalanceDividend Rate
Term: IRA ShareAPY: 0.10%Minimum Balance: $5.00Dividend Rate: 0.10%

APY denoted Annual Percentage Yield. APY is accurate as of 9/18/2020. Fees may reduce earnings. APY is variable and may change after the account is opened. Minimum opening deposit is $200.00, but will be waived if a monthly automatic deposit of $25.00 or greater is setup.

APYMinimum BalanceDividend Rate
APY: 0.10%Minimum Balance: $200.00Dividend Rate: 0.10%

APY denotes Annual Percentage Yield. APY is accurate as of 9/19/19. Fees may reduce earnings. APY is variable and may change after the account is opened.”

APYMinimum BalanceDividend Rate
APY: 0.10%Minimum Balance: $500.00Dividend Rate: 0.10%

APY denotes Annual Percentage Yield. APY is accurate as of (I have no clue). Fees may reduce earnings. APY is variable and may change after the account is opened.

Vehicle Loans

TermAPR As Low As
Term: 24APR As Low As: 6.99%
Term: 36APR As Low As: 6.99%
Term: 48APR As Low As: 6.99%
Term: 60APR As Low As: 6.99%
Term: 72APR As Low As: 7.29%
Term: 78APR As Low As: 7.49%
Term: 84APR As Low As: 7.64%

Minimum loan amount is $4,000.

New Vehicles are current year model with 20,000 miles or less. Campus Federal may finance up to 100% of the purchase price, plus tax, title, and license. Used Vehicles maximum loan term:

Maximum term for Model years 2023-2024 – up to 84 months*
Maximum term for Model years 2020-2022 – up to 78 months*
Maximum term for Model years 2018-2019 – up to 72 months*
Maximum term for Model years 2017 or older – up to 60 months*

Offer is subject to credit approval. APR= Annual Percentage Rate. Loan reflects a .25% discount for auto-debit payments from a Campus Federal or other financial institution account. All rates are based on an evaluation of credit history, so your rate may differ. For example, a monthly payment for an auto loan for $20,000 for 60 months at 6.99% APR could be as low as $395.93. The rate will not increase after consummation of loan.

TermNew APRUsed APR
Term: 24New APR: 6.99%Used APR: 6.99%
Term: 36New APR: 6.99%Used APR: 6.99%
Term: 48New APR: 6.99%Used APR: 6.99%
Term: 60New APR: 6.99%Used APR: 6.99%
Term: 72New APR: 6.99%Used APR: N/A
Term: 84New APR: 7.49%Used APR: N/A
Term: 120New APR: 7.99%Used APR: N/A

Offer is subject to credit approval. APR= Annual Percentage Rate. Loan reflects a .25% discount for auto-debit payments from a Campus Federal or other financial institution account. All rates are based on an evaluation of credit history, so your rate may differ. For example, a monthly payment for a boat loan for $20,000 for 60 months at 6.99% APR could be as low as $395.93. The rate will not increase after consummation of loan.

TermNew APRUsed APR
Term: 24 MonthsNew APR: 7.19%Used APR: 7.19%
Term: 36 MonthsNew APR: 7.19%Used APR: 7.19%
Term: 48 MonthsNew APR: 7.19%Used APR: N/A
Term: 60 MonthsNew APR: 7.49%Used APR: N/A
Term: 72 MonthsNew APR: 7.99%Used APR: N/A

Offer is subject to credit approval. APR= Annual Percentage Rate. Loan reflects a .25% discount for auto-debit payments from a Campus Federal or other financial institution account. All rates are based on an evaluation of credit history, so your rate may differ. For example, a monthly payment for a motorcycle loan for $10,000 for 36 months at 7.19% APR could be as low as $311.40. The rate will not increase after consummation of loan.

TermNew APRUsed APR
Term: 24 MonthsNew APR: 7.19%Used APR: 7.19%
Term: 36 MonthsNew APR: 7.19%Used APR: 7.19%
Term: 48 MonthsNew APR: 7.19%Used APR: N/A
Term: 60 MonthsNew APR: 7.49%Used APR: N/A
Term: 72 MonthsNew APR: 7.99%Used APR: N/A

Offer is subject to credit approval. APR= Annual Percentage Rate. Loan reflects a .25% discount for auto-debit payments from a Campus Federal or other financial institution account. All rates are based on an evaluation of credit history, so your rate may differ. For example, a monthly payment for an ATV loan for $10,000 for 36 months at 7.19% APR could be as low as $311.40. The rate will not increase after consummation of loan.

TermNew APRUsed APR
Term: 0-60 MonthsNew APR: 7.19%Used APR: 7.19%
Term: 61-120 MonthsNew APR: 7.49%Used APR: 7.49%
Term: 121-180 MonthsNew APR: 7.79%Used APR: N/A

Max Term: 15 years. Balloon terms available.

Offer is subject to credit approval. APR= Annual Percentage Rate. Loan reflects a .25% discount for auto-debit payments from a Campus Federal or other financial institution account. All rates are based on an evaluation of credit history, so your rate may differ. For example, a monthly payment for a Motor Home loan for $10,000 for 36 months at 7.19% APR could be as low as $311.40. The rate will not increase after consummation of loan.

TermNew APRUsed APR
Term: 0 - 60 MonthsNew APR: 7.19%Used APR: 7.19%
Term: 61 - 120 MonthsNew APR: 7.49%Used APR: 7.49%
Term: 121 - 180 MonthsNew APR: 7.79%Used APR: N/A

Max Term: 15 years. Balloon terms available.

Offer is subject to credit approval. APR= Annual Percentage Rate. Loan reflects a .25% discount for auto-debit payments from a Campus Federal or other financial institution account. All rates are based on an evaluation of credit history, so your rate may differ. For example, a monthly payment for an Travel Trailer loan for $10,000 for 36 months at 7.19% APR could be as low as $311.40. The rate will not increase after consummation of loan.

Campus Federal Mastercard

APR As Low AsWall Street Journal Prime Rate
APR As Low As: 15.00% for Purchases and Balance TransfersWall Street Journal Prime Rate: WSJP + 6.50%

Rate is variable, Indexed to Wall Street Journal Prime Rate (WSJP)

APR for Cash Advances

18.00%

Penalty APR and When It Applies

N/A

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.

Minimum Interest Charge

There is no minimum interest charge that will apply to your account.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Annual Fee

None

Transaction Fees

Balance Transfer

None

Cash Advance

None

Foreign Transactions

Up to 2% on Multiple Currency Foreign Transactions
Up to 2% on Single Currency Foreign Transactions

Penalty Fees

Late Payment

Maximum of $25.00

Over-the-Credit-Limit

None

Returned Payments

$30.00 per returned payment

Other Fees

Replacement Card

$10.00 per card

Rush Card

$35.00 per replacement

How We Will Calculate Your Balance

We will use a method called “average daily balance (including new purchases).” See your account agreement for more details.

Billing Rights

Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

To request complete disclosures, please visit our contact page.

*Offer subject to membership and credit approval. Variable Rate Information: APR= Annual Percentage Rate. The rate for Purchases and Balance Transfers is determined monthly by adding 6.5% to Prime Rate for the Campus Prestige Mastercard and by adding 9.50% to Prime Rate for the Campus Rewards Mastercard. The Prime Rate used to determine your APR is a variable rate and is the highest prime rate published in the “Money Rates” section of The Wall Street Journal as of the last day of the month. The Prime Rate changes will then take effect on the first day of the next billing cycle. No Annual Fee, Cash Advance Fee, or Balance Transfer Fee.

APR As Low AsWall Street Journal Prime Rate
APR As Low As: 18.00% for Purchases and Balance TransfersWall Street Journal Prime Rate: WSJP + 9.50%

Rate is variable, Indexed to Wall Street Journal Prime Rate (WSJP)

APR for Cash Advances

18.00%

Penalty APR and When It Applies

N/A

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.

Minimum Interest Charge

There is no minimum interest charge that will apply to your account.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Annual Fee

None

Transaction Fees

Balance Transfer

None

Cash Advance

None

Foreign Transactions

Up to 2% on Multiple Currency Foreign Transactions
Up to 2% on Single Currency Foreign Transactions

Penalty Fees

Late Payment

Maximum of $25.00

Over-the Credit-Limit

None

Returned Payments

$30.00 per returned payment

Other Fees

Replacement Card

$10.00 per card

Rush Card

$35.00 per replacement

How We Will Calculate Your Balance

We will use a method called “average daily balance (including new purchases).” See your account agreement for more details.

Billing Rights

Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

To request complete disclosures, please visit our contact page.

*Offer subject to membership and credit approval. Variable Rate Information: APR= Annual Percentage Rate. The rate for Purchases and Balance Transfers is determined monthly by adding 6.5% to Prime Rate for the Campus Prestige Mastercard and by adding 9.50% to Prime Rate for the Campus Rewards Mastercard. The Prime Rate used to determine your APR is a variable rate and is the highest prime rate published in the “Money Rates” section of The Wall Street Journal as of the last day of the month. The Prime Rate changes will then take effect on the first day of the next billing cycle. No Annual Fee, Cash Advance Fee, or Balance Transfer Fee.

Signature Loans

Loan AmountTermAPR As Low As
Loan Amount: Less than $3,000Term: up to 36 monthsAPR As Low As: 18.00%
Loan Amount: $3,000 - $9,999Term: up to 48 monthsAPR As Low As: 13.25%
Loan Amount: $10,000 or moreTerm: up to 24 monthsAPR As Low As: 10.24%
Loan Amount: $10,000 or moreTerm: 36 to 60 monthsAPR As Low As: 11.24%
Loan Amount: $25,000 or moreTerm: 72 monthsAPR As Low As: 12.24%
Loan Amount: $25,000 or moreTerm: 84 monthsAPR As Low As: 13.24%

Loan rates reflect a .25% discount for auto-debit payments from a Campus Federal or other financial institution account. All rates are based on an evaluation of credit history, so your rate may differ. APR = Annual Percentage Rate.

Mortgages

Please see our detailed Mortgage Rates Guide for mortgage rates and information.

Please see our detailed Mortgage Rates Guide for mortgage rates and information.

Please see our detailed Mortgage Rates Guide for mortgage rates and information.

Other Home Loans

APR As Low AsLoan to ValueWall Street Journal Prime Rate
APR As Low As: 8.50%Loan to Value: 80% or less loan to valueWall Street Journal Prime Rate: WSJP + 0%
APR As Low As: 9.25%Loan to Value: 81% - 90% loan to valueWall Street Journal Prime Rate: WSJP + 0.75%
APR As Low As: 10.00%Loan to Value: 91% - 100% loan to valueWall Street Journal Prime Rate: WSJP + 1.5%
APR As Low As: 8.25%Loan to Value: First Mortgage < 80% loan to valueWall Street Journal Prime Rate: N/A

APR = Annual Percentage Rate. Rate is variable, indexed to the Wall Street Journal Prime Rate (WSJP) with a floor of 3.25%.

TermAPR < 80% Loan to ValueAPR 81 - 90% Loan to ValueAPR 91 - 100% Loan to Value
Term: 6 months - Bridge LoanAPR < 80% Loan to Value: 6.95%APR 81 - 90% Loan to Value: 7.20%APR 91 - 100% Loan to Value: 7.45%
Term: 0 - 60 monthsAPR < 80% Loan to Value: 6.95%APR 81 - 90% Loan to Value: 7.20%APR 91 - 100% Loan to Value: 7.45%
Term: 61 - 120 monthsAPR < 80% Loan to Value: 7.51%APR 81 - 90% Loan to Value: 7.74%APR 91 - 100% Loan to Value: 7.99%
Term: 121 - 180 monthsAPR < 80% Loan to Value: 7.74%APR 81 - 90% Loan to Value: 7.99%APR 91 - 100% Loan to Value: 8.24%

APR = Annual Percentage Rate. Loan rates reflect a .25% discount for auto-debit payments from a Campus Federal or other financial institution account. All rates are based on an evaluation of credit history, so your rate may differ. For example on a loan with less than 80% LTV, 6.95% APR equals an estimated $19.78 monthly payment for 60 months per $1,000 borrowed. Rate will not increase after consummation.

TermAPR as Low AsLoan to Value
Term: 12 Year AmortizationAPR as Low As: 7.75%Loan to Value: 90% Loan to Value

APR = Annual Percentage Rate. Loan rates reflect a .25% discount for auto-debit payments from a Campus Federal account. All rates are based on an evaluation of credit history, so your rate may differ. For a loan with 90% or less Loan-to-Value with a loan amount of $20,000 and an APR of 7.75%, the monthly payment would be $213.76.

TermAPR as Low AsLoan to Value
Term: 12 Year Amortization w/ Five Year BalloonAPR as Low As: 9.00%Loan to Value: 80% loan to value

APR = Annual Percentage Rate. Loan rates reflect a .25% discount for auto-debit payments from a Campus Federal or other financial institution account. All rates are based on an evaluation of credit history, so your rate may differ. For a loan with 80% or less Loan-to-Value with a loan amount of $20,000 and an APR of 9.00%, the monthly payment would be $227.61 for 60 months with a balloon payment of $14,373.95. Rate will not increase after consummation.

Education

TermAPR As Low As
Term: Length of ResidencyAPR As Low As: WSJP + 1.0%

APR=Annual Percentage Rate. APR is variable and may increase after consummation of loan. Residency Loan APR is indexed to Wall Street Journal Prime Rate (WSJP) with a floor of 5% and based on underwriting and credit qualifications. Membership and Credit Approval required. For example, a monthly payment for Residency Loan for $15,000 for 60 months at 9.50% APR could be as low as $315.03.

TermAPR As Low As
Term: Up to 48 monthsAPR As Low As: 10.99%

APR = Annual Percentage Rate. For example, a monthly payment for a Continuing Education loan for $1,000 for 48 months at 10.99% APR could be as low as $25.84.

Build Credit

TermAPR As Low As
Term: Up to 12 MonthsAPR As Low As: 28.00%

For example, a monthly payment for an Money Wise Loan for $1,000 for 12 months at 28.00% APR could be as low as $96.51.

APR As Low As
APR As Low As: Account Rate + 3.00%

For example, a monthly payment for a Share-Secured Loan for $1,000 for 60 months at 3.10% APR could be as low as $18.01.

Business Checking

APYMinimum BalanceDividend Rate
APY: 0.15%Minimum Balance: $200.00Dividend Rate: 0.15%

APY denotes Annual Percentage Yield. APY is accurate as of 1/16/2018. Fees could reduce earnings.

Business Savings

TermAPYMinimum BalanceDividend Rate
Term: Promotional 9-Month Business CertificateAPY: 5.25Minimum Balance: 500Dividend Rate: 5.22

The stated Annual Percentage Yield (APY) is accurate as of 9/12/2023, and is available with a minimum opening deposit of $500 by business accounts. Certificate accounts are subject to SUBSTANTIAL PENALTY for early withdrawal, and may affect APY. If minimum balance is not kept, service charges may affect APY. Fees could reduce earnings on the account. Money must be new to Campus Federal. Offer available for a limited time and rate is subject to change.