Our Rates

*APY- Annual Percentage Yield. Refers to the 12-month Honors Checking max dividend distribution of approximately $200 and 12-month max US out of network ATM refund benefit of $300 ($25 per month), on one personal account per membership only. As of January 31, 2018, 4.00% Annual Percentage Yield (3.96%) daily interest rate paid monthly on balances up to $5,000. Unused Out of network ATM fee refunds do not roll over month to month. Balances over $5,000 will earn the higher tier Share 0 dividend rate when requirements are met. Rates & terms as of are subject to change. All requirements must be met before month-end processing (on last business day of month).
**Source https://www.co-opfs.org/Shared-Branches-ATMs
***Courtesy Pay is an overdraft protection product. Accessing the up to $500, mentioned above, will overdraw the associated checking account for the requested amount plus the associated fee. The checking account associated with Courtesy Pay may be negative for no more than 30 days and must be positive for 24 hours before used again. You must opt in to connect your debit card to this protection. A fee is assessed for all transactions in courtesy pay. Terms and conditions apply and subject to change. Class Act will provide you a separate Courtesy Pay Agreement.

**Source https://www.co-opfs.org/Shared-Branches-ATMs

***Courtesy Pay is an overdraft protection product. Accessing the up to $500, mentioned above, will overdraw the associated checking account for the requested amount plus the associated fee. The checking account associated with Courtesy Pay may be negative for no more than 30 days and must be positive for 24 hours before used again. You must opt in to connect your debit card to this protection. A fee is assessed for all transactions in courtesy pay. Terms and conditions apply and subject to change. Class Act will provide you a separate Courtesy Pay Agreement.

*Effective 11/20/2024. Annual percentage rate is representative of rate & closing costs based on a loan amount of $100,000, fixed term with standard closing costs.  Rate is subject to change without notice. All mortgage loans are subject to approved credit.

*APR = Annual percentage rate. Rates effective as of 12/4/2024 and subject to change without notice. On approved credit. Terms and conditions apply. Creditworthiness, age and mileage of vehicle, value of collateral, and loan amount can affect offered rate. Rates shown reflect .25% discount for automatic payment discount and on 2022 or newer models. Payment example: $20,000 loan amount with a 63 month term at 5.24% APR* would have monthly payments of $363.83 or $18.19 per $1,000 borrowed. 

*APR = Annual percentage rate. Rates effective as 9/1/2023 and subject to change without notice. On approved credit. Other rates and terms may apply based on individual creditworthiness. Personal Loan Rates shown reflect .25% discount for automatic payment discount. Payment example for Personal Loan: $10,000 loan amount with a 36 month term at 7.74% would have monthly payments of $313 or $31.30 per $1,000 borrowed.  Not available for refinance of existing CAFCU loans.

*APR = Annual Percentage Rate. Rates effective as of 9/1/2023 and subject to change without notice. On approved credit. Terms and conditions apply. Creditworthiness, age and mileage of vehicle, value of collateral, and loan amount can affect offered rate. Advertised rates include a .25% Auto Pay discount and on 2022 or newer models. Payment example: $50,000 loan amount with a 15-year term at 6.99% would have monthly payments of $450 or $9.00 per $1,000 borrowed. Not available for refinance of existing CAFCU loans.

*APR = Annual percentage rate. Rates effective as of 01/01/2023 and subject to change without notice. On approved credit. Other rates and terms may apply. Rates shown reflect .25% discount for automatic payment option. Payment example: $25,000 loan amount with a 15-year term at 8.20% would have monthly payments of $242 or $9.68 per $1,000 borrowed. Not available for refinance of existing CAFCU loans.