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Rates

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  • Lagniappe Checking
    Term APY Minimum Balance Dividend Rate
    Met Qualifications - Balance up to $10,000 1.95% $0.01 1.93%
    Met Qualifications - Balance over $10,000 0.05% $10,000.00 0.05%

  • Savings
  • Share Savings
    APY Minimum Balance Dividend Rate
    0.15% $200 0.15%

  • Age Exempt Share Savings
    APY Minimum Balance Dividend Rate
    0.15% $5 0.15%

  • Certificate Accounts
    Term APY Minimum Balance Dividend Rate
    30 days-Dividends paid at maturity 0.15% $1,000 0.15%
    91 days-Dividends paid at maturity 0.20% $1,000 0.20%
    182 days-Dividends paid at maturity 0.55% $1,000 0.55%
    12 months-Dividends credited quarterly 1.05% $1,000 1.05%
    18 months-Dividends credited quarterly 1.10% $1,000 1.09%
    24 months-Dividends credited quarterly 1.17% $1,000 1.16%
    30 months*-Dividends credited quarterly 1.25% $5,000 1.24%
    36 months-Dividends credited quarterly 1.41% $1,000 1.40%
    48 months-Dividends credited quarterly 1.60% $1,000 1.59%
    60 months-Dividends credited quarterly 1.80% $5,000 1.79%
    60 months-Dividends credited quarterly 1.80% $10,000 1.79%

    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.

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

  • Jumbo Certificate Accounts
    Term APY Minimum Balance Dividend Rate
    182 days-Dividends paid at maturity 0.60% $100,000 0.60%
    12 months-Dividends credited quarterly 1.10% $100,000 1.09%
    18 months-Dividends credited quarterly 1.15% $100,000 1.14%
    24 months-Dividends credited quarterly 1.22% $100,000 1.21%
    36 months-Dividends credited quarterly 1.46% $100,000 1.45%

    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.

  • Money Market Accounts
    Deposit Amount APY Minimum Balance Dividend Rate
    $5 - $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 + 0.30% $5 0.30%

  • Club Savings
    APY Minimum Balance Dividend Rate
    0.10% $200 0.10%

  • Individual Retirement Accounts (IRAs)
    Term APY Minimum Balance Dividend Rate
    IRA Share 0.15% $5 0.15%
    IRA 13 mo. certificate 0.75% $1,000 0.75%

    An IRA share account can be opened with an automatic deposit of $25 per month. Any certificate account from 12 to 60 months can be used as an IRA.

  • Health Savings Accounts (HSAs)
    APY Minimum Balance Dividend Rate
    0.15% $500 0.15%

  • Auto Loans
  • Auto
    Term APR
    24 Months 2.75%
    36 Months 2.90%
    48 Months 2.95%
    60 Months 3.13%
    72 Months 3.23%

    For new vehicles, Campus Federal may finance up to 100% of the purchase price, plus tax, title and license. A new vehicle is any current or prior year vehicle with less than 20,000 miles. For used vehicles, minimum loan amount is $4,000. Maximum Term for used vehicles < or = 3 yrs old is 60 months & 4 years or older is 48 months.

    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.

  • Motorcycle
    Term New APR Used APR
    24 Months 4.85% 4.85%
    36 Months 4.99% 4.99%
    48 Months 5.24% N/A
    60 Months 5.49% N/A
    72 Months N/A N/A

    Min Amount: $2,500.

    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.

  • Boat
    Term APR
    24 Months 3.60%
    36 Months 3.75%
    48 Months 3.90%
    60 Months 5.14%
    72 Months 5.39%

    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.

  • ATV
    Term New APR Used APR
    24 Months 4.85% 4.85%
    36 Months 4.99% 4.99%
    48 Months 5.24% N/A
    60 Months 5.49% N/A
    72 Months N/A N/A

    Min Amount: $2,500.

  • Motor Home
    Term New APR Used APR
    0-60 Months 5.00% 5.00%
    61-120 Months 5.24% 5.24%
    121-180 Months 5.40% N/A

    Max Term: 15 years. Balloon terms available.

    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.

  • Travel Trailer
    Term New APR Used APR
    0 - 60 Months 5.00% 5.00%
    61 - 120 Months 5.24% 5.24%
    121 - 180 Months 5.40% N/A

    Max Term: 15 years. Balloon terms available.

    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.

  • Campus Federal Mastercard
  • Campus Prestige
    APR Wall Street Journal Prime Rate
    7.75%
    WSJP + 3.5%

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

    APR for Balance Transfers N/A
    APR for Cash Advances N/A
    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.
    Minimum Interest Charge There is no minimum interest charge that will apply to your account.
    For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard
    Annual Fee None
    Transaction Fees
    Balance Transfer
    Cash Advance
    Foreign Transactions

    None
    2% of amount advanced.
    2% on Multiple Currency Foreign Transactions
    2% on Single Currency Foreign Transactions
    Penalty Fees
    Late Payment
    Over-the Credit-Limit
    Returned Payments

    Maximum of $20.00
    None
    $18.00 per returned payment
    Other Fees
    Replacement Card
    Rush Card

    $10.00 per card
    $25.00 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.

    Click here for a printable disclosure


    * Variable Rate Information: The rate for Purchases is determined monthly by adding 3.5% to Prime Rate for the Campus Prestige Mastercard and by adding 6.5% 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.

  • Campus Rewards
    APR Wall Street Journal Prime Rate
    10.75%
    WSJP + 6.5%

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

    APR for Balance Transfers N/A
    APR for Cash Advances N/A
    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.
    Minimum Interest Charge There is no minimum interest charge that will apply to your account.
    For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard
    Annual Fee None
    Transaction Fees
    Balance Transfer
    Cash Advance
    Foreign Transactions

    None
    2% of amount advanced.
    2% on Multiple Currency Foreign Transactions
    2% on Single Currency Foreign Transactions
    Penalty Fees
    Late Payment
    Over-the Credit-Limit
    Returned Payments

    Maximum of $20.00
    None
    $18.00 per returned payment
    Other Fees
    Replacement Card
    Rush Card

    $10.00 per card
    $25.00 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.

    Click here for a printable disclosure


    * Variable Rate Information: The rate for Purchases is determined monthly by adding 3.5% to Prime Rate for the Campus Prestige Mastercard and by adding 6.5% 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.

  • Home Loans
  • Home Equity Line of Credit
    APR Loan to Value Wall Street Journal Prime Rate
    4.25% 80% or less loan to value WSJP + 0%
    5.25% 81% - 90% loan to value WSJP + 1%
    5.75% 91% - 100% loan to value WSJP + 1.5%
    4.00% First Mortgage < 80% loan to value WSJP - .25%

    Rate is variable, indexed to the Wall Street Journal Prime Rate (WSJP) with a floor of 3.25%. Rate changes are made on the first day of each calendar quarter.

  • Home Equity Fixed Loan
    Term APR < 80% Loan to Value APR 81 - 90% Loan to Value APR 91 - 100% Loan to Value
    6 months - Bridge Loan 5.45 % 5.70 % 5.95 %
    0 - 60 months 5.45 % 5.70 % 5.95 %
    61 - 120 months 5.99 % 6.24 % 6.49 %
    121 - 180 months 6.24 % 6.49 % 6.74 %

  • Lot Loan
    Term APR Loan to Value
    12 Year Amortization w/ Five Year Balloon 5.75% 90% loan to value

    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.

  • Unimproved Acreage
    Term APR Loan to Value
    12 Year Amortization w/ Five Year Balloon 8.00% 80% loan to value

    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.

  • Mortgages
  • Fixed Rate Mortgages

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


  • Adjustable Rate Mortgages (ARMs)

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


  • Refinancing

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


  • Education
  • Continuing Education
    Term APR
    Up to 48 months 10.15%

  • Residency Loans
    Term APR
    Length of Residency WSJP + 1.0%

    Rate is variable, Indexed to Wall Street Journal Prime Rate (WSJP) with floor of 5%.

  • Build Credit
  • Money Wise Loans
    Term APR
    Up to 6 Months 28.00%

  • Share-Secured Loans
    APR
    Account Rate + 2.00%

  • Business Checking
  • Business Solution Checking
    APY Minimum Balance Dividend Rate
    0.15% $200 0.15%

  • Business Savings
  • Business Savings
    APY Minimum Balance Dividend Rate
    0.15% $250 0.15%

  • Business Money Market Account
    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%

  • Signature Loans
  • Signature Loans
    Loan Amount Term APR
    Less than $3,000 up to 36 months 18.00%
    $3,000 - $9,999 up to 48 months 10.00%
    $10,000 or more up to 24 months 7.45%
    $10,000 or more 36 to 60 months 8.45%