Rates
| Term | APY* | Minimum Balance | Dividend Rate |
|---|---|---|---|
| Met Qualifications - Balance up to $10,000 | 4.50% | $0.01 | 4.41% |
| Met Qualifications - Balance over $10,000 | 0.05% | $10,000.01 | 0.05% |
If the Lagniappe checking requirements are not met, there is a $10 monthly maintenance fee. Monthly maintenance fee is waived if your average relationship balance (average monthly credit account balances and average monthly deposit account balances under the same membership combined) is $2,500 or more.
* Annual Percentage Yield (APY) is accurate as of 1/1/2026. 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.
| Term | APY* | Minimum Balance | Dividend Rate |
|---|---|---|---|
| Met Qualifications - Balance up to $10,000 | 3.75% | $0.01 | 3.69% |
| Met Qualifications - Balance over $10,000 | 0.05% | $10,000.01 | 0.05% |
If the Lagniappe Lite checking requirements are not met, there is a $10 monthly maintenance fee. Monthly maintenance fee is waived if your average relationship balance (average monthly credit account balances and average monthly deposit account balances under the same membership combined) is $2,500 or more.
* Annual Percentage Yield (APY) is accurate as of 1/1/2026. Fees could reduce earnings. APY is variable and may change after the account is opened.
| APY | Minimum Balance | Dividend Rate |
|---|---|---|
| 0.15% | $200.00 | 0.15% |
Annual Percentage Yield (APY) is accurate as of 1/16/2018. Fees could reduce earnings.
| APY | Minimum Balance | Dividend Rate |
|---|---|---|
| 0.10% | $5.00 | 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.
| Term | APY | Minimum Balance | Dividend Rate |
|---|---|---|---|
| 30 days-Dividends paid at maturity | 3.50% | $500.00 | 3.45% |
| 91 days-Dividends paid at maturity | 3.60% | $500.00 | 3.55% |
| 182 days-Dividends paid at maturity | 3.55% | $500.00 | 3.52% |
| 7 month-Dividends paid at maturity | 3.45% | $500.00 | 3.43% |
| 9-month-Dividends paid at maturity | 3.50% | $500.00 | 3.48% |
| 12 months-Dividends credited quarterly | 3.55% | $500.00 | 3.50% |
| 18 months-Dividends credited quarterly | 3.50% | $1,000.00 | 3.45% |
| 24 months-Dividends credited quarterly | 3.40% | $1,000.00 | 3.36% |
| 30 months*-Dividends credited quarterly | 3.00% | $1,000.00 | 2.97% |
| 36 months-Dividends credited quarterly | 3.30% | $1,000.00 | 3.26% |
| 48 months-Dividends credited quarterly | 3.35% | $1,000.00 | 3.31% |
| 60 months-Dividends credited quarterly | 3.45% | $1,000.00 | 3.41% |
| 72 months-Dividends credited quarterly | 3.55% | $1,000.00 | 3.50% |
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 12/12/2025. Fees could reduce earnings.
*Bump and Jump Certificate, certain limitations apply, please view the Truth-in-Savings disclosure.
| Term | APY | Minimum Balance | Dividend Rate |
|---|---|---|---|
| 91 days-Dividends paid at maturity | 3.60% | $100,000.00 | 3.55% |
| 182 days-Dividends paid at maturity | 3.55% | $100,000.00 | 3.52% |
| 12 months-Dividends credited quarterly | 3.55% | $100,000.00 | 3.50% |
| 18 months-Dividends credited quarterly | 3.50% | $100,000.00 | 3.45% |
| 24 months-Dividends credited quarterly | 3.40% | $100,000.00 | 3.36% |
| 36 months-Dividends credited quarterly | 3.30% | $100,000.00 | 3.26% |
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 12/12/2025. Fees could reduce earnings.
| Deposit Amount | APY | Minimum Balance | Dividend Rate |
|---|---|---|---|
| $2,500 - $4,999 | 0.15% | $2,500 | 0.15% |
| $5,000 - $24,999 | 0.15% | $5,000 | 0.15% |
| $25,000 - $49,999 | 0.20% | $25,000 | 0.20% |
| $50,000 - $99,999 | 0.20% | $50,000 | 0.20% |
| $100,000 + | 0.25% | $100,000 | 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.
| Term | APY | Minimum Balance | Dividend Rate |
|---|---|---|---|
| IRA Share | 0.10% | $5.00 | 0.10% |
| 12 months-Dividends credited quarterly | 3.55% | $500.00 | 3.50% |
| 18 months-Dividends credited quarterly | 3.50% | $1,000.00 | 3.45% |
| 24 months-Dividends credited quarterly | 3.50% | $1,000.00 | 3.45% |
| 30 months*-Dividends credited quarterly | 3.00% | $1,000.00 | 2.97% |
| 36 months-Dividends credited quarterly | 3.30% | $1,000.00 | 3.26% |
| 48 months-Dividends credited quarterly | 3.35% | $1,000.00 | 3.31% |
| 60 months-Dividends credited quarterly | 3.45% | $1,000.00 | 3.41% |
| 72 months-Dividends credited quarterly | 3.55% | $1,000.00 | 3.50% |
Any certificate account from 12 to 72 months can be used as an IRA. For all certificate rates visit our Rates page.
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 10/31/2025. Fees could reduce earnings.
*Bump and Jump Certificate, certain limitations apply, please view the Truth-in-Savings disclosure.
Minimum opening deposit for an IRA share is $200.00, but will be waived if a monthly automatic deposit of $25.00 or greater is setup.
| APY | Minimum Balance | Dividend Rate |
|---|---|---|
| 0.10% | $200.00 | 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.”
| APY | Minimum Balance | Dividend Rate |
|---|---|---|
| 0.10% | $500.00 | 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.
| APY | Minimum Balance | Dividend Rate |
|---|---|---|
| 0.10% | $250.00 | 0.10% |
APY denotes Annual Percentage Yield. APY is accurate as of 9/19/19. Fees could reduce earnings.
| Deposit Amount | APY | Minimum Balance | Dividend Rate |
|---|---|---|---|
| $2,500 - $9,999 | 0.15% | $2,500.00 | 0.15% |
| $10,000 - $49,999 | 0.15% | $2,500.00 | 0.15% |
| $50,000 - $149,999 | 0.33% | $2,500.00 | 0.33% |
| $150,000 - $249,999 | 0.43% | $2,500.00 | 0.43% |
| $250,000 + | 0.43% | $2,500.00 | 0.43% |
APY denotes Annual Percentage Yield. APY is accurate as of 3/16/2026. Fees could reduce earnings.
| Term | APR As Low As |
|---|---|
| 24 | 5.74% |
| 36 | 5.74% |
| 48 | 5.74% |
| 60 | 5.74% |
| 72 | 6.04% |
| 78 | 6.24% |
| 84 | 6.39% |
| 90 | 6.89% |
Offer is subject to membership and credit approval. Loan rates reflect a .25% discount for auto-debit payments from a Campus Federal or other financial institution account. Loan rates reflect 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 6.74% APR (Annual Percentage Rate) could be as low as $393.58. The rates will not increase after consummation of the loan. 90 month term subject to a minimum loan amount of $60,000.
| Term | APR AS LOW AS |
|---|---|
| 24 | 6.50% |
| 36 | 6.50% |
| 48 | 6.50% |
| 60 | 6.74% |
| 72 | 6.74% |
| 84 | 7.24% |
| 120 | 7.74% |
| 144 | 8.24% |
| 180 | 9.24% |
Offer is subject to credit approval. Maximum loan term subject to amount financed. 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, a monthly payment for a boat loan for $40,000 for 72 months at 6.74% APR could be as low as $680.61. The rate will not increase after consummation of loan
| Term | New APR | Used APR |
|---|---|---|
| 24 Months | 6.94% | 6.94% |
| 36 Months | 6.94% | 6.94% |
| 48 Months | 6.94% | 6.94% |
| 60 Months | 7.24% | 7.24% |
| 72 Months | 7.64% | 7.64% |
| 78 Months | 8.24% | N/A |
| 84 Months | 8.24% | 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 6.94% APR could be as low as $308.50. The rate will not increase after consummation of loan.
| Term | New APR | Used APR |
|---|---|---|
| 24 Months | 6.94% | 6.94% |
| 36 Months | 6.94% | 6.94% |
| 48 Months | 6.94% | 6.94% |
| 60 Months | 7.24% | 7.24% |
| 72 Months | 7.64% | 7.64% |
| 78 Months | 8.24% | N/A |
| 84 Months | 8.24% | 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 6.94% APR could be as low as $308.50. The rate will not increase after consummation of loan.
| Term | New APR | Used APR |
|---|---|---|
| 0-60 Months | 6.94% | 6.94% |
| 61-120 Months | 7.24% | 7.24% |
| 121-180 Months | 7.54% | 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 6.94% APR could be as low as $308.50. The rate will not increase after consummation of loan.
| Term | New APR | Used APR |
|---|---|---|
| 0 - 60 Months | 6.94% | 6.94% |
| 61 - 120 Months | 7.24% | 7.24% |
| 121 - 180 Months | 7.54% | 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 6.94% APR could be as low as $308.50. The rate will not increase after consummation of loan.
Offer is subject to membership and credit approval. Certain restrictions apply. Applicant must meet FirstTime Auto Buyer Program requirements. Campus Federal will finance up to 110% of Invoice for new auto or NADA retail value for used autos. Maximum loan amount is $35,000. Annual Percentage Rate (APR) as low as 8.24%, up to 72 months for new auto with auto pay from a Campus Federal account or complete ACH from another financial institution. After the first 12 months of on-time monthly payments, member will be rewarded with a 1% reduction in the interest rate for the remainder of the loan. For example, a monthly payment for an auto loan for $20,000 for 72 months at 8.24% APR could be as low as $353.01. Maximum terms for used vehicles are between 48 and 72 months depending on the vehicle’s age and mileage. The rates will not increase after consummation of the loan.
| APR As Low As | Wall Street Journal Prime Rate |
|---|---|
| 13.25% for Purchases and Balance Transfers | WSJP + 6.50% |
Rate is variable, Indexed to Wall Street Journal Prime Rate (WSJP)
18.00%
N/A
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.
There is no minimum interest charge that will apply to your account.
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.
None
Transaction Fees
None
None
Up to 2% on Multiple Currency Foreign Transactions
Up to 2% on Single Currency Foreign Transactions
Penalty Fees
Maximum of $25.00
None
$30.00 per returned payment
Other Fees
$10.00 per card
$35.00 per replacement
We will use a method called “average daily balance (including new purchases).” See your account agreement for more details.
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 6.50% 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 As | Wall Street Journal Prime Rate |
|---|---|
| 16.25% for Purchases and Balance Transfers | WSJP + 9.50% |
| N/A | N/A |
Rate is variable, Indexed to Wall Street Journal Prime Rate (WSJP)
18.00%
N/A
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.
There is no minimum interest charge that will apply to your account.
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.
None
Transaction Fees
None
None
Up to 2% on Multiple Currency Foreign Transactions
Up to 2% on Single Currency Foreign Transactions
Penalty Fees
Maximum of $25.00
None
$30.00 per returned payment
Other Fees
$10.00 per card
$35.00 per replacement
We will use a method called “average daily balance (including new purchases).” See your account agreement for more details.
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 6.50% 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.
| Loan Amount | Term | APR As Low As |
|---|---|---|
| Less than $3,000 | up to 36 months | 18.00% |
| $3,000 - $9,999.99 | up to 48 months | 13.25% |
| $10,000 or more | up to 24 months | 10.24% |
| $10,000 or more | 36 to 60 months | 11.24% |
| $25,000 or more | 72 months | 12.24% |
| $25,000 or more | 84 months | 13.24% |
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 signature loan for $10,000 for 60 months at 11.24% APR could be as low as $218.62. The rate will not increase after consummation of loan.
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.
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.
| APR As Low As | Loan to Value | Wall Street Journal Prime Rate |
|---|---|---|
| 6.75% | 80% or less loan to value | WSJP + 0% |
| 7.50% | 81% - 90% loan to value | WSJP + 0.75% |
| 8.25% | 91% - 100% loan to value | WSJP + 1.5% |
| 6.50% | First Mortgage < 80% loan to value | WSJP - 0.25% |
APR = Annual Percentage Rate. Rate is variable, indexed to the Wall Street Journal Prime Rate (WSJP) with a floor of 3.25%. Rates are subject to change at any time. Offer subject to credit approval. Additional fees may apply, including a one-time membership fee of $10 for a new member.
| Term | APR < 80% Loan to Value | APR 81 - 90% Loan to Value | APR 91 - 100% Loan to Value |
|---|---|---|---|
| 6 months - Bridge Loan | 6.95% | 7.20% | 7.45% |
| 0 - 60 months | 6.95% | 7.20% | 7.45% |
| 61 - 120 months | 7.51% | 7.74% | 7.99% |
| 121 - 180 months | 7.74% | 7.99% | 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.
| Term | APR as Low As | Loan to Value |
|---|---|---|
| 12 Year Amortization | 7.75% | 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.
| Term | APR as Low As | Loan to Value |
|---|---|---|
| 12 Year Amortization | 9.00% | 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. Rate will not increase after consummation.
| Term | APR As Low As |
|---|---|
| Length of Residency | WSJP + 1.0% |
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 7.75% APR could be as low as $302.35.
| Term | APR As Low As |
|---|---|
| Up to 48 months | 10.99% |
Offer is subject to credit approval. Membership eligibility requirements apply. Annual Percentage Rate (APR) will not increase after consummation of loan. For example, a monthly payment for a continuing education loan for $5,000 for 48 months at 10.99% APR could be as low as $130.35.
| Term | APR As Low As |
|---|---|
| Up to 12 Months | 28.00% |
Subject to credit approval. For example, a monthly payment for an Money Wise Loan for $1,000 for 12 months at 28.00% Annual Percentage Rate (APR) could be as low as $96.51.
| 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% Annual Percentage Rate (APR) could be as low as $18.01.
| APY | Minimum Balance | Dividend Rate |
|---|---|---|
| 0.15% | $200.00 | 0.15% |
Annual Percentage Yield (APY) is accurate as of 1/16/2018. Fees could reduce earnings.