P.O. Box 98036, Baton Rouge, LA 70898-9036 888.769.8841 www.campusfederal.org Fax Number: 225.408.4919

Rates

Rates are subject to change without notice. Current as of
  • Deposit
  • Loan
  • Signature
  • Mortgage
  • Credit Card

Savings

Term Minimum Balance APY Dividend Rate
Share $200.00 0.15% 0.15%
SpecialShare $200.00 0.15% 0.15%
Club $200.00 0.10% 0.10%
AgeExempt $5.00 0.15% 0.15%
 

Lagniappe Checking

Term Minimum Balance APY Dividend Rate
Met Qualifications - Balance up to $10,000 $0.01 2.50% 2.47%
Met Qualifications - Balance over $10,000 $10,000.00 0.05% 0.05%
 

Flex Savings

Deposit Amount Minimum Balance APY Dividend Rate
5 - 4,999 $5.00 0.15% 0.15%
5,000 - 24,999 $5.00 0.15% 0.15%
25,000 - 49,999 $5.00 0.20% 0.20%
50,000 - 99,999 $5.00 0.20% 0.20%
100,000 + $5.00 0.30% 0.30%
 

Certificate

Term Minimum Balance APY Dividend Rate
182 days $1,000.00 0.40% 0.40%
12 months $1,000.00 0.70% 0.70%
18 months $1,000.00 0.75% 0.75%
24 months $1,000.00 0.80% 0.80%
36 months $1,000.00 0.90% 0.90%
48 months $1,000.00 1.00% 1.00%
*52 months n/a 3.00% 2.97%
60 months $10,000.00 1.15% 1.15%
60 months $5,000.00 1.15% 1.15%

Jumbo Certificate

Term Minimum Balance APY Dividend Rate
182 days $100,000.00 0.40% 0.40%
12 months $100,000.00 0.70% 0.70%
18 months $100,000.00 0.75% 0.75%
24 months $100,000.00 0.80% 0.80%
36 months $100,000.00 0.90% 0.90%
 

Retirement

Term Minimum Balance APY Dividend Rate
IRA Share $5.00 0.15% 0.15%
IRA 13 month $1,000.00 0.75% 0.75%
 

Health Savings Accounts

Term Minimum Balance APY Dividend Rate
HSA $500.00 0.15% 0.15%
 
Certificate Accounts subject to SUBSTANTIAL PENALTY for early withdrawal and early withdrawal may affect APY. If minimum balance in corresponding deposit account is not maintained, service charges may affect APY. Note: APY = Annual Percentage Yield. Dividends paid are based on rate frequency of compounding for a 365 day year. Dividend Rate and APY may change at management discretion and without notice.

Featured Loan rates as low as
(Based on Credit Worthiness)

New Auto and Boat*

Term Amount Financed New Autos-APR New Boats-APR
24 months up to 100% 2.35% 3.35%
36 months up to 100% 2.50% 3.50%
48 months up to 100% 2.65% 3.65%
60 months up to 100% 2.74% 5.74%
72 months up to 100% 2.90% 5.90%
 

Used Auto and Boat*

Term Amount Financed** Used Autos-APR Used Boats-APR
24 months Auto up to 100% of NADA value 2.35% 3.35%
36 months Auto up to 100% of NADA value 2.50% 3.50%
48 months Auto up to 100% of NADA value 2.65% 3.65%
60 months Auto up to 100% of NADA value 2.74% 3.74%
 

New Motor Homes and Travel Trailers

Term* Amount Financed APR
0-60 months up to 90% 4.75%
61-120 months up to 90% 4.99%
121-180 months up to 90% 5.15%
 

Used Motor Homes and Travel Trailers

Term* Amount Financed APR
0-60 months up to 90% 4.75%
61-120 months up to 90% 4.99%
 

New Camper, Motorcycle/bike, ATV, Jet Ski and Tractor

Term* Amount Financed APR
24 months up to 90% 6.10%
36 months up to 90% 6.25%
48 months up to 90% 6.40%
60 months up to 90% 6.49%
 

Used Camper, Motorcycle/bike, ATV, Jet Ski and Tractor

Term* Amount Financed APR
24 months up to 90% 6.10%
36 months up to 90% 6.25%
 

*Auto and boat 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.

New car loan of $20,000 for 4 years at 2.90% APR will have a monthly payment of $441.80

Signature

   
Less than $3,000 18.00% APR - up to 36 months
$3,000 - $9,999 10.00% APR - up to 48 months
$10,000 or more 7.20% APR - up to 24 months
$10,000 or more 8.20% APR - 36 to 60 months
 

Other Signature

Money-WiseSM Loan Maximum Term APR
Minimum $200
Maximum $500
6 months 28.00%
 
Continuing Education Maximum Term APR
Minimum $500
Maximum $15,000
Term up to 48 months 9.90%
 

Signature loan of $10,000 for 60 months at 9.12% APR will have a monthly payment of $208.17.

First Mortgages

Home Equity Line of Credit

  APR*
Equity Line 80% or less loan to value WSJP+0.0% 3.25%
Equity Line 81%-90% loan to value WSJP+1.0% 4.25%
Equity Line 91%-100% loan to value WSJP+1.5% 4.75%
 

Home Equity Fixed Rates & Terms

Term APR
< 80% Loan to Value
APR
81-90% Loan to Value
APR
91-100% Loan to Value
6 months Bridge Loan 4.25% 4.75% 5.25%
0-60 months 4.25% 4.75% 5.25%
61-120 months 4.85% 5.35% 5.85%
121-180 months 5.52% 6.02% 6.52%

All rates are based on an evaluation of credit history, so your rate may differ.

A sample payment based on $100,000 at 7.75% for 15 years is $941.17.

   
Campus Prestige* 6.75%
Campus Rewards* 9.75%
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.
1% on Multiple Currency Foreign Transactions
1% 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
Rush PIN
Rush Card and PIN

$10.00 per card
$25.00 per replacement
$25.00 per replacement
$50.00 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

 
We're Here to Help
Live Chat

 

To open an account you must be a member of Campus Federal. Please use our membership application to apply for membership and open an account. Current members, please use the contact us form to specify the type of account you would like to open.