Current Rates
All Loans
Effective Date: June 18, 2024
| Type | APR | Max Term |
|---|---|---|
| Auto New | As low as 4.00% | 84 |
| Auto Used | As low as 5.00% | 84 |
| Personal | As low as 7.99% | 60 |
| Share Secured | As low as 3.1% | 60 |
| Fixed Home Equity | As low as 4.99% | 180 |
| HELOC | PRIME +0% | 10 year draw, 10 year repay |
| VISA | As low as 9.9% |
Savings Accounts
Effective Date: 12/31/2022
$50.00 minimum balance to earn the stated APY.
Dividends compounded & credited Quarterly.
| Type | Rate | APY |
|---|---|---|
| Share Savings* | 0.10% | 0.10% |
| Share Draft Accounts | N/A | N/A |
| Vacation Club | 0.10% | 0.10% |
| Christmas Club | 0.10% | 0.10% |
| Traditional IRA Savings | 1.00% | 1.00% |
| APY = Annual Percentage Yield. *$5.00 Minimum Opening Balance. | ||
Fees
Effective Date: January 1, 2021
| Account | Fees |
|---|---|
| Share Drafts/Checking | |
| Check Deposit Return Item | $10.00 |
| Insufficient Funds | $39.00 |
| Individual Stop Payment | $10.00 |
| Overdraft Transfer (each item) | $5.00/item |
| Courtesy Pay | $32.00 |
| Copies of Checks If performed with Home Banking - N/C |
$5.00 |
| Copies of Statements | $5.00 |
| Balancing Service (per hour) | $20.00/hr |
| Inactive Account Fee (after 6 months) | $5.00/mo |
| Printing Fees (dependent on type ordered) | Various |
| ACH Transactions | |
| Insufficient Funds | $39.00 |
| Stop Payment (only after company has been notified) | $10.00 |
| Overdraft Transfer (each item) | $5.00/item |
| Cashier's Check | $2.00 |
| Retrieval of Cashier's Checks | $5.00 |
| Money Orders | $2.00 |
| Incorrect Address Fee | $3.00 |
| Research Fee ($5 min) | $20.00/hr |
| Levy Fee | $10.00 |
| ATM/Debit Cards | |
| Withdrawals | $1.00 |
| Inquiries, Transfers, POS Transactions | N/C |
| Card Replacement | $10.00 |
| Insufficient Funds Fee | $39.00 |
| Overdraft Transfer (each item) | $5.00/item |
| Cash Advance | |
| HFFCU-VISA | 3.00% |
| Non-CTFFCU VISA | 5.00% |
| Foreign Fee | 1.00% |