Rates

Consumer Loans

Auto Rates *purchase money loans

New Vehicles: Current Year to 2013 Annual Percentage Rate
100% Financing  
36 Months Approx. Term 2.19% – 11.69% ***
36 – 60 Months Approx. Term 2.59% – 12.09% ***
61-72 Months (Over $18, 000) 2.69% -12.19%***
New- 2015 (over $20,000) 73-84 Months 3.49% – 12.99% ***

*APR is defined as Annual Percentage Rate. A $1,800 loan, with APR at 9.50% and term of12 monthly payments of $157.85. Rate based on credit worthiness.

Used Vehicles

2012 to 2010 model years- 0 to 60 Months Approx. Term 4.99% – 14.49% ***
2009 to 2008 model years- 0 to 48 Months Approx. Term 6.29% – 15.79% ***
2007 and older- 0 to 36 Months Approx. Term 9.49% – 18.00%***

***(Above rates subject to .50 % discount for share draft account and auto transfer)***

Rewards

 Auto loans, regardless of score, are eligible for the .25% rate reduction (Max discount .50%)

  1. Direct Deposit (discount .25%)
  2. Credit Life or Credit Disability (discount .25%)
  3. Checking Accounts (discount .25%)
  4. Credit Card (discount .25%)
  5. 20% Down Payment (discount .25%)

Motorcycles/ATVs

New-2013 (100% MSRP) 0-60 Months 2.99% – 12.49%
New -2013 (100% MSRP) (OVER $20,000) 61-72 Months 3.49% – 12.99%
Used
2012 to 2009 yrs – 0 to 48 Months Approx. Term 4.29% – 13.79%
2008 and older – 0 to 36 Months Approx Term 8.00% – 17.50%

RV’s

New to 2013 – 100% MSRP
0-60 Months Approx Term 2.99% – 12.49%
61-84 Months Approx. Term(over $20,000) 3.49% – 12.99%
New -2013 (over $30,000) 85 -96 months 4.29% – 13.79%
Used
2012 -2009 – 0 to 60 Months Approx. Term 4.29% – 13.79%
2012-2009 (over $20,000)- 61 to72 Months Approx. Term* 4.79% – 14.29%
2012 – 2009 (over $30,000) 72 to 84 months 5.29% – 14.79%
Used 2008-older 0-60 months 7.00% – 16.50%

Boats

New-2013 (100% MSRP) 0 -60 Months 3.99% – 13.49%
New 2013 (100% MSRP) (over $20,000)- 61-72 months 4.49% – 13.99%
Used
2012 to 2009 – 0 to60 Months Approx. Term 4.49% – 13.99%
2008 & older – 0 to 48 Months Approx. Term 8.00% – 17.50%
  • RISK BASED: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness.
  • Lien entry fees must be paid by the member on all loans with security interest.
  • Minimum payment never less than $25.00 per month.
  • Rates are subject to change without notice.
  • New vehicles up to MSRP and used vehicles up to NADA.
  • (1) Variable Rate Line of Credit: The Annual Percentage Rate(APR) for new and existing balances will be the U.S. Prime Rate (Index), plus a Margin based on credit score. We will use the most recent Index value available to us as of 60 days prior to any annual percentage rate adjustment. The APR will change annually on the last day of June to reflect any change in the Index. The APR will never be less than 8.25%. The APR will never be greater than 18.00% or the maximum rate allowed by law, whichever is less. Any increase in the APR will result in a higher payment.
  • (1) Line of Credit will be reviewed annually and interest rates are subject to credit worthiness. Any increase in the APR will result in a higher payment, starting with the July payment.

 

Share Secured Advances

 Share Secured Advances –
varies with share dividends rate
3.50% – 7.50%
All Other Secured 10.00% – 18.00%
Signature Advances 11.49% – 18.00%
Special Signature Advances 16.00% – 18.00%
Special Seasonal Advances 9.50% – 18.00%

*APR is defined as Annual Percentage Rate. A $1,800 loan, with APR at 9.50% and term of12 monthly payments of $157.85. Rate based on credit worthiness.

Variable Line of Credit (1)
(3.50 US PRIME INDEX)

8.00% 12.00%
4.5 Margin 8.5 Margin
  • RISK BASED: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness.
  • Lien entry fees must be paid by the member on all loans with security interest.
  • Minimum payment never less than $25.00 per month.
  • Rates are subject to change without notice.
  • New vehicles up to MSRP and used vehicles up to NADA.
  • (1) Variable Rate Line of Credit: The Annual Percentage Rate(APR) for new and existing balances will be the U.S. Prime Rate (Index), plus a Margin based on credit score. We will use the most recent Index value available to us as of 60 days prior to any annual percentage rate adjustment. The APR will change annually on the last day of June to reflect any change in the Index. The APR will never be less than 8.00%. The APR will never be greater than 18.00% or the maximum rate allowed by law, whichever is less. Any increase in the APR will result in a higher payment.
  • (1) Line of Credit will be reviewed annually and interest rates are subject to credit worthiness. Any increase in the APR will result in a higher payment, starting with the July payment.

 

VISA

VISA

ANNUAL PERCENTAGE RATE FOR PURCHASES 13.90%
ANNUAL PERCENTAGE RATE FOR CASH ADVANCE 13.90%
GRACE PERIOD FOR PURCHASES 25 DAYS
METHOD OF COMPUTING THE BALANCE FOR PURCHASES Average Daily Balance Including New Purchases
LATE PAYMENT FEE $10.00
CASH ADVANCE FEE $1.00
REPLACEMENT CARD/PIN FEE Card / PIN-$12.00

The minimum payment will be $25.00 or 3.0% of your total new balance, whichever is greater, or your total new balance if it is less than $25.00, also any portion of the minimum payment shown on prior demand.

 

Mortgage

Mortgage Loans

Please call the loan department at 353-3755 for details on 1st and 2nd mortgages

Nationwide Mortgage Licensing System and Registry:
Comanche County Federal Credit Union-NMLS ID 409131
Donna Whitaker-NMLS ID 416675
Angel Bradley-NMLS ID 968319
NMLS CONSUMER ACCESS WEBSITE

 

Share Accounts

Share Accounts

LAST DIVIDEND DECLARATION DATE:  March 21, 2017

Dividends on CCFCU savings accounts are declared by our Board of Directors at the last board meeting of the quarter. Dividends are paid the first day of the month following the end of each quarter.

TYPE OF ACCOUNT Dividend Rate Annual percentage yield MINIMUM BALANCE FOR DIVIDEND
SHARE 0.05% 0.05% $50.00
CHRISTMAS CLUB 0.05% 0.05% $25.00
IRA* .80% .80% $100.00
  • SHARE ACCOUNT DIVIDENDS ARE COMPOUNDED QUARTERLY.
  • DIVIDENDS ARE PAID ON AN AVERAGE DAILY BALANCE AND ASSUMES THE ACCOUNT REMAINS OPEN THRU THE END OF THE QUARTER.
  • *IRA ACCOUNTS ARE SEPARATELY INSURED BY NCUA UP TO 250,000.00.
  • DIVIDENDS ARE PAID QUARTERLY TO SHARE ACCOUNTS WHEN THE AVERAGE DAILY BALANCE MEETS OR EXCEEDS $50.
  • DIVIDENDS WILL BE FORFEITED ON ANY ACCOUNT CLOSED BEFORE ACCRUED DIVIDENDS ARE PAID.

 

Share Certificates

Share Certificates

SHARE CERTIFICATE ACCOUNTS-Rates effective March 21, 2017
Call for special CERTIFICATE rates.

TERM DIVIDEND RATE ANNUAL PERCENTAGE YIELD*
6 MONTH 0.20% 0.20%
1 YEAR 0.25% 0.25%
18 MONTH 0.30% 0.30%
2 YEAR 0.50% 0.50%
5 YEAR 1.00% 1.00%
CERTIFICATE SPECIALS
8 MONTH** 0.30% 0.30%
8 MONTH IRA ** 1.00% 1.00%
  • All rates are subject to change without notice.
  • Dividends may be paid at maturity or monthly to the share account.
  • Minimum balance to open $1,000.00.
  • A PENALTY WILL BE IMPOSED FOR EARLY WITHDRAWAL.
  • *ANNUAL PERCENTAGE YIELD IS COMPOUNDED AT MATURITY.
  • **$10,000 MINIMUM BALANCE TO OPEN.
  • **DIVIDENDS PAID AT MATURITY.