| Term | APY | Minimum Balance | Dividend Rate |
|---|---|---|---|
| Met Qualifications - Balance up to $10,000 | 5.25% | $0.01 | 5.13% |
| Met Qualifications - Balance over $10,000 | 0.05% | $10,000.00 | 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 account is opened.
| APY | Minimum Balance | Dividend Rate |
|---|---|---|
| 0.10% | $5 | 0.10% |
APY denotes Annual Percentage Yield. APY is accurate as of 9/19/19.
| Term | APY | Minimum Balance | Dividend Rate |
|---|---|---|---|
| 30 days-Dividends paid at maturity | 4.50% | $500 | 4.41% |
| 91 days-Dividends paid at maturity | 4.50% | $500 | 4.43% |
| 182 days-Dividends paid at maturity | 4.50% | $500 | 4.45% |
| 12 months-Dividends credited quarterly | 4.50% | $500 | 4.43% |
| 18 months-Dividends credited quarterly | 4.50% | $1,000 | 4.43% |
| 24 months-Dividends credited quarterly | 4.50% | $1,000 | 4.43% |
| 30 months*-Dividends credited quarterly | 4.25% | $1,000 | 4.18% |
| 36 months-Dividends credited quarterly | 4.25% | $1,000 | 4.18% |
| 48 months-Dividends credited quarterly | 4.15% | $1,000 | 4.09% |
| 60 months-Dividends credited quarterly | 4.10% | $1,000 | 4.04% |
| 72 months-Dividends credited quarterly | 4.00% | $1,000 | 3.94% |
| SPECIAL 7 month-Dividends paid at maturity | 5.15% | $500 | 5.10% |
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.
*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 | 4.50% | $100,000 | 4.43% |
| 182 days-Dividends paid at maturity | 4.50% | $100,000 | 4.45% |
| 12 months-Dividends credited quarterly | 4.50% | $100,000 | 4.43% |
| 18 months-Dividends credited quarterly | 4.50% | $100,000 | 4.43% |
| 24 months-Dividends credited quarterly | 4.50% | $100,000 | 4.43% |
| 36 months-Dividends credited quarterly | 4.25% | $100,000 | 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 Amount | APY | Minimum Balance | Dividend Rate |
|---|---|---|---|
| $2,500 - $4,999 | 0.15% | $5 | 0.15% |
| $5,000 - $24,999 | 0.15% | $5 | 0.15% |
| $25,000 - $49,999 | 0.20% | $5 | 0.20% |
| $50,000 - $99,999 | 0.20% | $5 | 0.20% |
| $100,000 + | 0.25% | $5 | 0.25% |
APY denotes Annual Percentage Yield. APY is accurate as of 12/1/2022. Fees could reduce earnings.
| Term | APY | Minimum Balance | Dividend Rate |
|---|---|---|---|
| IRA Share | 0.10% | $5 | 0.10% |
Any certificate account from 12 to 72 months can be used as an IRA.
For all certificate rates visit our Rates page.
An IRA share account can be opened with an automatic deposit of $25 per month. APY denotes Annual Percentage Yield. APY is accurate as of 9/18/2020.
| APY | Minimum Balance | Dividend Rate |
|---|---|---|
| 0.10% | $200 | 0.10% |
| APY | Minimum Balance | Dividend Rate |
|---|---|---|
| 0.10% | $500 | 0.10% |
*Individual tax situations may vary. Consult your tax advisor for further information.
| Term | APR As Low As |
|---|---|
| 24 Months | 6.74% |
| 36 Months | 6.74% |
| 48 Months | 6.74% |
| 60 Months | 6.74% |
| 72 Months | 7.04% |
| 78 Months | 7.24% |
| 84 months | 7.39% |
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:
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 auto loan for $20,000 for 60 months at 6.74% APR could be as low as $393.58.
| Term | New APR | Used APR |
|---|---|---|
| 24 Months | 6.99% | 6.99% |
| 36 Months | 6.99% | 6.99% |
| 48 Months | 6.99% | 6.99% |
| 60 Months | 6.99% | 6.99% |
| 72 Months | 6.99% | 6.99% |
| 84 Months | 7.49% | N/A |
| 120 Months | 7.99% | N/A |
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, 6.99% APR equals an estimated $23.94 monthly payment for 48 months per $1,000 borrowed.
| Term | New APR | Used APR |
|---|---|---|
| 24 Months | 6.69% | 6.69% |
| 36 Months | 6.69% | 6.69% |
| 48 Months | 6.69% | N/A |
| 60 Months | 6.99% | N/A |
| 72 Months | 7.49% | N/A |
APR = Annual Percentage Rate. Min Amount: $2,500. 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, 6.69% APR equals an estimated $44.63 monthly payment for 24 months per $1,000 borrowed. APR will not increase after consummation of loan.
| Term | New APR | Used APR |
|---|---|---|
| 24 Months | 6.69% | 6.69% |
| 36 Months | 6.69% | 6.69% |
| 48 Months | 6.69% | N/A |
| 60 Months | 6.99% | N/A |
| 72 Months | 7.49% | N/A |
APR = Annual Percentage Rate. Min Amount: $2,500. 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, 6.69% APR equals an estimated $44.63 monthly payment for 24 months per $1,000 borrowed.
| Term | New APR | Used APR |
|---|---|---|
| 0-60 Months | 6.69% | 6.69% |
| 61-120 Months | 6.99% | 6.99% |
| 121-180 Months | 7.29% | N/A |
Max Term: 15 years. Balloon terms available.
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, 7.29% APR equals an estimated $9.15 monthly payment for 180 months per $1,000 borrowed.
| Term | New APR | Used APR |
|---|---|---|
| 0 - 60 Months | 6.69% | 6.69% |
| 61 - 120 Months | 6.99% | 6.99% |
| 121 - 180 Months | 7.29% | N/A |
Max Term: 15 years. Balloon terms available.
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, 7.29% APR equals an estimated $9.15 monthly payment for 180 months per $1,000 borrowed.
| APR As Low As | Wall Street Journal Prime Rate |
|---|---|
|
15.00% for Purchases and Balance Transfers |
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 |
|
|
Penalty Fees Late Payment Over-the-Credit-Limit Returned Payments |
Maximum of $25.00 None $30.00 per returned payment |
| Other Fees Replacement 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 As | Wall Street Journal Prime Rate |
|---|---|
|
18.00% for Purchases and Balance Transfers |
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 |
|
|
Penalty Fees Late Payment |
Maximum of $25.00 |
|
Other Fees Replacement Card |
$10.00 per card |
|
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 As | Loan to Value | Wall Street Journal Prime Rate |
|---|---|---|
| 8.50% | 80% or less loan to value | WSJP + 0% |
| 9.25% | 81% - 90% loan to value | WSJP + 0.75% |
| 10.00% | 91% - 100% loan to value | WSJP + 1.5% |
| 8.25% | 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%.
| 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 | 7.50% | 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 7.50%, the monthly payment would be $211.05.
| Term | APR As Low As | Loan to Value |
|---|---|---|
| 12 Year Amortization w/ Five Year Balloon | 8.75% | 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 8.75%, the monthly payment would be $224.80 for 60 months with a balloon payment of $14,307.72. Rate will not increase after consummation.
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.
| Term | APR As Low As |
|---|---|
| Length of Residency | 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.
| Term | APR As Low As |
|---|---|
| Up to 48 months | 10.65% |
APR = Annual Percentage Rate. For example, a monthly payment for a Continuing Education loan for $1,000 for 48 months at 10.65% APR could be as low as $25.68.
| Term | APR As Low As |
|---|---|
| Up to 12 Months | 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 |
|---|
| 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.
| APY | Minimum Balance | Dividend Rate |
|---|---|---|
| 0.15% | $200 | 0.15% |
APY denotes Annual Percentage Yield. APY is accurate as of 1/16/2018. Fees could reduce earnings.
| Term | APY | Minimum Balance | Dividend Rate |
|---|---|---|---|
| Promotional 9-Month Business Certificate | 5.25% | $500 | 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.
| APY | Minimum Balance | Dividend Rate |
|---|---|---|
| 0.10% | $250 | 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 | 0.15% |
| $10,000 - $49,999 | 0.15% | $2,500 | 0.15% |
| $50,000 - $149,999 | 0.33% | $2,500 | 0.33% |
| $150,000 - $249,999 | 0.43% | $2,500 | 0.43% |
| $250,000 + | 0.43% | $2,500 | 0.43% |
APY denotes Annual Percentage Yield. APY is accurate as of 1/16/2018. Fees could reduce earnings.
| Loan Amount | Term | APR As Low As |
|---|---|---|
| Less than $3,000 | up to 36 months | 18.00% |
| $3,000 - $9,999 | up to 48 months | 13.00% |
| $10,000 or more | up to 24 months | 9.99% |
| $10,000 or more | 36 to 60 months | 10.99% |
| $25,000 or more | 72 months | 11.99% |
| $25,000 or more | 84 months | 12.99% |
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.