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Rates

    Checking
  • Lagniappe Checking
    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%
    Enroll

    * 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.

  • Savings
  • Share Savings
    APY Minimum Balance Dividend Rate
    0.10% $5 0.10%
    Enroll

    APY denotes Annual Percentage Yield. APY is accurate as of 9/19/19. 

  • Certificate Accounts
    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%
    Enroll

    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.

  • Jumbo Certificate Accounts
    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%
    Enroll

    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. 

  • Money Market Accounts
    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%
    Enroll

    APY denotes Annual Percentage Yield. APY is accurate as of 12/1/2022. Fees could reduce earnings.

  • Individual Retirement Accounts (IRA)
    Term APY Minimum Balance Dividend Rate
    IRA Share 0.10% $5 0.10%
    Enroll

    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.

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

  • Health Savings Accounts (HSA)
    APY Minimum Balance Dividend Rate
    0.10% $500 0.10%
    Enroll

    *Individual tax situations may vary. Consult your tax advisor for further information.

  • Auto Loans
  • Auto
    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%
    Apply

    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 2021-2023 – up to 84 months*
    • Maximum term for Model years 2018-2020 – up to 78 months*
    • Maximum term for Model years 2016-2017 – up to 72 months*
    • Maximum term for Model years 2015 or older – up to 60 months*

    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.

  • Boat
    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
    Apply

    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.

     

  • Motorcycle
    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
    Apply

    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.

  • ATV
    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
    Apply

    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.

  • Motor Home
    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
    Apply

    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.

  • Travel Trailer
    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
    Apply

    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.

  • Campus Federal Mastercard
  • Campus Prestige
    APR As Low As Wall Street Journal Prime Rate
    15.00% for Purchases and Balance Transfers
    WSJP + 6.50%
    Apply

    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
    Cash Advance
    Foreign Transactions

     


    None
    None
    Up to 2% on Multiple Currency Foreign Transactions
    Up to 2% on Single Currency Foreign Transactions

    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


    $10.00 per 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.

  • Campus Rewards
    APR As Low As Wall Street Journal Prime Rate
    18.00% for Purchases and Balance Transfers
    WSJP + 9.50%
    Apply

    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
    Cash Advance
    Foreign Transactions

     


    None
    None
    Up to 2% on Multiple Currency Foreign Transactions
    Up to 2% on Single Currency Foreign Transactions

    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

     

    $10.00 per 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.

  • Home Loans
  • Home Equity Line of Credit
    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%
    Apply

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

  • 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 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%
    Apply

    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.

  • Lot Loan
    Term APR As Low As Loan to Value
    12 Year Amortization 7.50% 90% loan to value
    Apply

    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.

  • Unimproved Acreage
    Term APR As Low As Loan to Value
    12 Year Amortization w/ Five Year Balloon 8.75% 80% loan to value
    Apply

    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.

  • Mortgages
  • Fixed Rate Mortgages

    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.


  • Adjustable Rate Mortgages (ARMs)

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


  • Education
  • Residency Loans
    Term APR As Low As
    Length of Residency WSJP + 1.0%
    Apply

    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.

  • Continuing Education
    Term APR As Low As
    Up to 48 months 10.65%
    Apply

    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.

     

  • Build Credit
  • Money Wise Loans
    Term APR As Low As
    Up to 12 Months 28.00%
    Apply

    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.


  • Share-Secured Loans
    APR As Low As
    Account Rate + 3.00%
    Apply

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

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

  • Business Savings
  • Promotional 9-Month Business Certificate
    Term APY Minimum Balance Dividend Rate
    Promotional 9-Month Business Certificate 5.25% $500 5.22%
    Learn More

    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.


  • Business Savings
    APY Minimum Balance Dividend Rate
    0.10% $250 0.10%
    Apply

    APY denotes Annual Percentage Yield. APY is accurate as of 9/19/19. Fees could reduce earnings.

  • 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%
    Apply

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

  • Signature Loans
  • Signature Loans
    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%
    Apply Now

    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.