Rates

Rates

Rates effective as of January 27, 2015.

Rates may change after accounts are opened.

Fees may reduce earnings.

Maximum Green Checking* Rates

BalanceInterest RateAPY
Balances up to $10,0001.74%1.75%
Balances over $10,0000.50% - 1.74%0.50% to 1.75%
All balances if qualifications are not met0.10%0.10%

*To earn your rewards, simply do the following activities in your Maximum Green Checking account during the monthly qualification cycle:

- Have at least 10 check card purchases post and settle

- Have at least 1 direct deposit or automatic payment (ACH) post and settle

- Be enrolled and receive e-statement notice

CD Rates

ProductInterest RateAPY
Regular CD

6 Mo.
12 Mo.
18 Mo.
24 Mo.
30 Mo.
36 Mo.
48 Mo.

0.10%
0.24%
0.29%
0.39%
0.44%
0.54%
0.69%

0.10%
0.24%
0.29%
0.39%
0.44%
0.54%
0.69%

Gold Club CD

6 Mo.
12 Mo.
18 Mo.
24 Mo.
30 Mo.
36 Mo.
48 Mo.

0.35%
0.49%
0.54%
0.64%
0.69%
0.79%
0.94%

0.35%
0.49%
0.54%
0.64%
0.69%
0.79%
0.94%

Jumbo Certificate Rates

ProductDeposit AmountInterest Rate
Jumbo CD

0-30 Days
31-60 Days
61-90 Days
91-120 Days
121-150 Days
151-180 Days
181-270 Days
271-365 Days

$100,000 - $500,000

0.10%
0.10%
0.10%
0.10%
0.10%
0.10%
0.15%
0.24%

Savings Rates

ProductInterest RateAPY
IRA0.75%0.752%
Christmas Club0.15%0.150%
Statement Savings/CCBEE Kids Club

$0 to $2,499.99
$2,500 to $4,999.99
$5,000 and over

0.10%
0.15%
0.25%

0.100%
0.150%
0.250%

Gold Club Savings

$0 to $2,499.99
$2,500 to $4,999.99
$5,000 and over

0.15%
0.23%
0.38%

0.150%
0.230%
0.380%

Municipal Money Mgmt Account

$0 to $99,999.99
$100,000 to $249,999.99
$250,000 and over

0.20%
0.30%
0.35%

0.200%
0.300%
0.350%

Money Mgmt Plus Rates

BalanceInterest RateAPY
$0 to $2,499.990.00%0.00%
$2,500 to $34,999.990.20%0.200%
$35,000 to $64,999.990.25%0.250%
$65,000 to $99,999.990.30%0.300%
$100,000.00 and over0.35%0.350%

T-Bill Rates

ProductInterest RateAPY
T-Bill

90 Day
180 Day

0.075%
0.090%

Personal Loans

ProductTermBase Interest Rate/APR**
Unsecured Personal Loan*

$2,500 - $7,500
$5,000 - $7,500
$5,000 - $7,500

6 - 36 months
37 - 48 months
49 - 60 months

5.50%
6.50%
8.00%

Personal Loan - Real Estate Secured

$2,500 - $20,000
$5,000 - $20,000
$5,000 - $20,000

6 - 36 months
37 - 48 months
49 - 60 months

5.00%
6.00%
6.50%

Personal Loan - Non-Real Estate Secured*

Min $2,500
Min $2,500
Min $2,500

6 - 60 months
6 - 48 months
6 - 48 months

6.00%
7.00%
8.00%

Payment Example: A personal loan for $7,500 over a 60 month period with an APR of 8.000% would have an a monthly payment of $152.07.

*All interest rates based on 740 or higher credit score.

**A 1/8% discounted rate will be given for having monthly payment automatically withdrawn from a CCB checking or saving account.


Auto Loan Rates

ProductTermBase Interest Rate/APR**Year
New Auto Purchase*

Min $2,500
Min $2,500
Min $2,500
Min $2,500

36 months
48 months
60 months
72 months

4.500%
4.500%
4.500%
4.750%

Used Auto Purchase/ Refi of Existing Auto Loan*

Min $2,500
Min $2,500
Min $2,500

6 - 60 months
6 - 48 months
6 - 36 months

5.500%
6.500%
6.750%

2012 - 2014
2009 - 2011
2006 - 2008

Recreational Vehicle New Purchase*

Min $2,500
Min $2,500
Min $2,500

36 months
48 months
60 months

6.000%
6.250%
6.750%

Used Recreational Vehicle/ Refi of Existing Rec Vehicle*

Min $2,500
Min $2,500
Min $2,500

36 months
48 months
60 months

6.250%
7.000%
7.500%

Rates are for 2010 - 2014 years only
Add 3% for 2007 - 2009

Payment Example: A new automobile loan for $10,000 over a 60 month period with an APR of 4.50% would have an APR of 4.375% and a monthly payment of $185.86 when auto-pulled** from a CCB account.

*All interest rates based on 740 or higher credit score.

**A 1/8% discounted rate will be given for having monthly payment automatically withdrawn from a CCB checking or saving account.

Conforming Rate Mortgages

ProductTerm (months)Interest Rate APR*Points
Primary Residence, 1-4 Family Purchase/Refinance1803.00% 3.232% 0
or2403.50%3.683%0
Secondary Residence, 1-4 Family Owner Occupied, Purchase/Refinance 3603.75%3.882%0

Payment Example: A Home Mortgage loan for $50,000 over a 180 month period with an APR of 3.232% would have a monthly payment of $345.29.

*APR (Annual Percentage Rate) is calculated using an assumed Loan to Value of 80% on a $50,000 loan for Primary and Secondary Conventional Mortgages.

Portfolio Mortgages

Fixed RatesRatePointsAPR*Max LTV
15 Years3.500%03.736%95%
20 Years4.000%04.186%95%
25 Years4.250%04.407%95%
30 Years4.500%04.638%95%

*APR (Annual Percentage Rate) is calculated using an assumed Loan to Value of 80% on a $50,000 loan for Primary and Secondary Mortgages.

Adjustable RatesRatePointsAPR*Max LTV

1 Year Adjustable Convertible

30 Years3.375%04.016%95%

Rate adjusts annually based on weekly average yield on US Treasury securities adjusted to a constant maturity of one year as made available by the Federal Reserve Board. 2% interest cap at each interest rate adjustment period. Life of loan Cap +/-6%, Floor 4.00%, Margin 2.25%. The conversion option is available between the 12th and 60th months. Fixed rate on conversion is based on Fannie Mae 60 day required net yield as of 45 days prior to the effective date of the conversion plus 5/8 of 1 percentage point or .625% rounded to the nearest 1/8 of 1 percentage point or .0125%. If this index is not available, a comparable index will be used.

5/1 ARM

30 Years3.500%03.888%95%

Rate is fixed for first 5 years, then adjusts annually thereafter based on weekly average yield on US Treasury securities to a constant of one year as made available by the Federal Reserve Board; 3% interest rate cap at first adjustment and thereafter 2% interest rate cap at each interest rate adjustment period. Life of loan cap +/-6%, Floor 4.00%- Margin 2.25%

7/1 ARM

30 Years3.625%03.889%95%

Rate is fixed for first 7 years, then adjusts annually thereafter based on weekly average yield on US Treasury securities to a constant of one year as made available by the Federal Reserve Board ; 5% interest rate cap at first interest rate adjustment and 2% thereafter. Life of loan cap +/-6%, Floor 4.00%, Margin 2.50%


*APR (Annual Percentage Rate) is calculated using an assumed Loan to Value of 80% on a $50,000 loan for Primary and Secondary Mortgages.

Home Improvement Rates

ProductTermInterest Rate/ APR
Unsecured Loan*

$2,500 - $4,999
$5,000 - $7,500
$5,000 - $7,500

6 - 36 months
37 - 48 months
49 - 60 months

5.50%
6.50%
7.50%

Real Estate Secured Loan

$7,500 - $20,000
$7,500 - $20,000
$7,500 - $20,000

12 - 36 months
48 - 60 months
72 - 120 months

5.00%
5.25%
5.50%

Payment Example: A home improvement loan for $7,500 over a 60 month period with an APR of 7.50% would have a monthly payment of $150.28.

*Unsecured Loan - Rates based on 740 or higher credit score.

Home Equity Term Loan Rates

Minimum Loan AmountTermInterest Rate/APR

$7,500
$7,500
$10,000

12 - 60 months
61 - 120 months
121 - 180 months

4.50%
5.00%
5.50%

Payment Example: A Home Equity loan for $25,000 over a 60 month period with an APR of 4.50% would have a monthly payment of $466.02.

Maximum loan amount $250,000 based on equity in home.

Must be primary residence or second home.

Bank pays fees on loans $10,000 - $150,000/ 3 year recapture

Maximum loan to value 80%.

Must be first or second lien position.

Home Equity Line of Credit Rates

AmountTermRateCurrent APR

$7,500 - $24,999
$25,000 and over

see below
see below

WSJP + .75
WSJP

4.000%
3.250%

5 year Interest only - with additional 5 year IO renewal.

Term payback - 15 years.

Floor/none, Ceiling 15.9% Minimum rate 3.25%

Must be primary residence or second home.

Bank pays fees on loans $10,000 - $150,000/ 3 year recapture

Maximum loan to value 80%.

Must be first or second lien position.

Overdraft Line of Credit

AmountTermBase Rate/APR
Min $50012 - 36 mos18.00%

No rate reduction for autopay.

Rate is as stated- not tied to credit score.