Rates
Checking
| Term | APY | Minimum Balance | Dividend Rate |
|---|---|---|---|
| Term: Met Qualifications - Balance up to $10,000 | APY: 5.25% | Minimum Balance: $0.01 | Dividend Rate: 5.13% |
| Term: Met Qualifications - Balance over $10,000 | APY: 0.05% | Minimum Balance: $10,000.00 | Dividend 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
| APY | Minimum Balance | Dividend Rate |
|---|---|---|
| APY: 0.10% | Minimum Balance: $5.00 | Dividend 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.
| Term | APY | Minimum Balance | Dividend Rate |
|---|---|---|---|
| Term: 30 days-Dividends paid at maturity | APY: 4.50% | Minimum Balance: $500.00 | Dividend Rate: 4.41% |
| Term: 91 days-Dividends paid at maturity | APY: 4.50% | Minimum Balance: $500.00 | Dividend Rate: 4.43% |
| Term: 182 days-Dividends paid at maturity | APY: 4.50% | Minimum Balance: $500.00 | Dividend Rate: 4.45% |
| Term: 12 months-Dividends credited quarterly | APY: 4.40% | Minimum Balance: $500.00 | Dividend Rate: 4.33% |
| Term: 18 months-Dividends credited quarterly | APY: 4.35% | Minimum Balance: $1,000.00 | Dividend Rate: 4.28% |
| Term: 24 months-Dividends credited quarterly | APY: 4.25% | Minimum Balance: $1,000.00 | Dividend Rate: 4.18% |
| Term: 30 months*-Dividends credited quarterly | APY: 4.15% | Minimum Balance: $1,000.00 | Dividend Rate: 4.09% |
| Term: 36 months-Dividends credited quarterly | APY: 4.05% | Minimum Balance: $1,000.00 | Dividend Rate: 3.99% |
| Term: 48 months-Dividends credited quarterly | APY: 4.00% | Minimum Balance: $1,000.00 | Dividend Rate: 3.94% |
| Term: 60 months-Dividends credited quarterly | APY: 3.85% | Minimum Balance: $1,000.00 | Dividend Rate: 3.80% |
| Term: 72 months-Dividends credited quarterly | APY: 3.80% | Minimum Balance: $1,000.00 | Dividend Rate: 3.75% |
| Term: SPECIAL 7 month-Dividends paid at maturity | APY: 5.00% | Minimum Balance: $500.00 | Dividend Rate: 4.95% |
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 3/15/2024. Fees could reduce earnings.
*Bump and Jump Certificate, certain limitations apply, please view the Truth-in-Savings disclosure.
| Term | APY | Minimum Balance | Dividend Rate |
|---|---|---|---|
| Term: 91 days-Dividends paid at maturity | APY: 4.50% | Minimum Balance: $100,000.00 | Dividend Rate: 4.43% |
| Term: 182 days-Dividends paid at maturity | APY: 4.50% | Minimum Balance: $100,000.00 | Dividend Rate: 4.45% |
| Term: 12 months-Dividends credited quarterly | APY: 4.40% | Minimum Balance: $100,000.00 | Dividend Rate: 4.33% |
| Term: 18 months-Dividends credited quarterly | APY: 4.35% | Minimum Balance: $100,000.00 | Dividend Rate: 4.28% |
| Term: 24 months-Dividends credited quarterly | APY: 4.25% | Minimum Balance: $100,000.00 | Dividend Rate: 4.18% |
| Term: 36 months-Dividends credited quarterly | APY: 4.05% | Minimum Balance: $100,000.00 | Dividend Rate: 3.99% |
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 2/23/2024. Fees could reduce earnings.
| Deposit Amount | APY | Minimum Balance | Dividend Rate |
|---|---|---|---|
| Deposit Amount: $2,500 - $4,999 | APY: 0.15% | Minimum Balance: $2,500 | Dividend Rate: 0.15% |
| Deposit Amount: $5,000 - $24,999 | APY: 0.15% | Minimum Balance: $5,000 | Dividend Rate: 0.15% |
| Deposit Amount: $25,000 - $49,999 | APY: 0.20% | Minimum Balance: $25,000 | Dividend Rate: 0.20% |
| Deposit Amount: $50,000 - $99,999 | APY: 0.20% | Minimum Balance: $50,000 | Dividend Rate: 0.20% |
| Deposit Amount: $100,000 + | APY: 0.25% | Minimum Balance: $100,000 | Dividend 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.
| Term | APY | Minimum Balance | Dividend Rate |
|---|---|---|---|
| Term: IRA Share | APY: 0.10% | Minimum Balance: $5.00 | Dividend Rate: 0.10% |
APY denotes 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.
| APY | Minimum Balance | Dividend Rate |
|---|---|---|
| APY: 0.10% | Minimum Balance: $200.00 | Dividend 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.”
| APY | Minimum Balance | Dividend Rate |
|---|---|---|
| APY: 0.10% | Minimum Balance: $500.00 | Dividend 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
| Term | APR As Low As |
|---|---|
| Term: 24 | APR As Low As: 6.99% |
| Term: 36 | APR As Low As: 6.99% |
| Term: 48 | APR As Low As: 6.99% |
| Term: 60 | APR As Low As: 6.99% |
| Term: 72 | APR As Low As: 7.29% |
| Term: 78 | APR As Low As: 7.49% |
| Term: 84 | APR As Low As: 7.64% |
Offer is subject to credit approval. 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 an auto loan for $20,000 for 60 months at 6.74% APR could be as low as $395.73. The rate will not increase after consummation of loan.
| Term | APR AS LOW AS |
|---|---|
| Term: 24 | APR AS LOW AS: 6.50% |
| Term: 36 | APR AS LOW AS: 6.50% |
| Term: 48 | APR AS LOW AS: 6.50% |
| Term: 60 | APR AS LOW AS: 6.74% |
| Term: 72 | APR AS LOW AS: 6.74% |
| Term: 84 | APR AS LOW AS: 7.24% |
| Term: 120 | APR AS LOW AS: 7.74% |
| Term: 144 | APR AS LOW AS: 8.24% |
| Term: 180 | APR AS LOW AS: 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 |
|---|---|---|
| Term: 24 Months | New APR: 7.19% | Used APR: 7.19% |
| Term: 36 Months | New APR: 7.19% | Used APR: 7.19% |
| Term: 48 Months | New APR: 7.19% | Used APR: N/A |
| Term: 60 Months | New APR: 7.49% | Used APR: N/A |
| Term: 72 Months | New 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.
| Term | New APR | Used APR |
|---|---|---|
| Term: 24 Months | New APR: 7.19% | Used APR: 7.19% |
| Term: 36 Months | New APR: 7.19% | Used APR: 7.19% |
| Term: 48 Months | New APR: 7.19% | Used APR: N/A |
| Term: 60 Months | New APR: 7.49% | Used APR: N/A |
| Term: 72 Months | New 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.
| Term | New APR | Used APR |
|---|---|---|
| Term: 0-60 Months | New APR: 7.19% | Used APR: 7.19% |
| Term: 61-120 Months | New APR: 7.49% | Used APR: 7.49% |
| Term: 121-180 Months | New 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.
| Term | New APR | Used APR |
|---|---|---|
| Term: 0 - 60 Months | New APR: 7.19% | Used APR: 7.19% |
| Term: 61 - 120 Months | New APR: 7.49% | Used APR: 7.49% |
| Term: 121 - 180 Months | New 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 As | Wall Street Journal Prime Rate |
|---|---|
| APR As Low As: 15.00% for Purchases and Balance Transfers | Wall Street Journal Prime Rate: 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 6.5% 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 |
|---|---|
| APR As Low As: 18.00% for Purchases and Balance Transfers | Wall Street Journal Prime Rate: WSJP + 9.50% |
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 6.5% 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 Amount | Term | APR As Low As |
|---|---|---|
| Loan Amount: Less than $3,000 | Term: up to 36 months | APR As Low As: 18.00% |
| Loan Amount: $3,000 - $9,999 | Term: up to 48 months | APR As Low As: 13.25% |
| Loan Amount: $10,000 or more | Term: up to 24 months | APR As Low As: 10.24% |
| Loan Amount: $10,000 or more | Term: 36 to 60 months | APR As Low As: 11.24% |
| Loan Amount: $25,000 or more | Term: 72 months | APR As Low As: 12.24% |
| Loan Amount: $25,000 or more | Term: 84 months | APR 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 As | Loan to Value | Wall Street Journal Prime Rate |
|---|---|---|
| APR As Low As: 8.50% | Loan to Value: 80% or less loan to value | Wall Street Journal Prime Rate: WSJP + 0% |
| APR As Low As: 9.25% | Loan to Value: 81% - 90% loan to value | Wall Street Journal Prime Rate: WSJP + 0.75% |
| APR As Low As: 10.00% | Loan to Value: 91% - 100% loan to value | Wall Street Journal Prime Rate: WSJP + 1.5% |
| APR As Low As: 8.25% | Loan to Value: First Mortgage < 80% loan to value | Wall 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%. 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 |
|---|---|---|---|
| Term: 6 months - Bridge Loan | APR < 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 months | APR < 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 months | APR < 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 months | APR < 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.
| Term | APR as Low As | Loan to Value |
|---|---|---|
| Term: 12 Year Amortization | APR 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.
| Term | APR as Low As | Loan to Value |
|---|---|---|
| Term: 12 Year Amortization w/ Five Year Balloon | APR 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
| Term | APR As Low As |
|---|---|
| Term: Length of Residency | APR 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.
| Term | APR As Low As |
|---|---|
| Term: Up to 48 months | APR As Low As: 10.99% |
Offer is subject to credit approval. Membership eligibility requirements apply. APR= 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.
Build Credit
| Term | APR As Low As |
|---|---|
| Term: Up to 12 Months | APR 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
| APY | Minimum Balance | Dividend Rate |
|---|---|---|
| APY: 0.15% | Minimum Balance: $200.00 | Dividend Rate: 0.15% |
APY denotes Annual Percentage Yield. APY is accurate as of 1/16/2018. Fees could reduce earnings.
Business Savings
| Term | APY | Minimum Balance | Dividend Rate |
|---|---|---|---|
| Term: Promotional 9-Month Business Certificate | APY: 5.25 | Minimum Balance: 500 | Dividend 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.