Rates

Rates

Rates effective as of August 26, 2014.

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

5.00%
6.00%
7.00%

Payment Example: A personal loan for $7,500 over a 60 month period with an APR of 7.000% would have an a monthly payment of $179.69.

*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

2.875%
3.000%
3.125%
3.250%

Used Auto Purchase/ Refi of Existing Auto Loan*

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

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

3.250%
3.750%
4.750%

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

4.250%
4.500%
5.000%

Used Recreational Vehicle/ Refi of Existing Rec Vehicle*

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

36 months
48 months
60 months

4.250%
5.000%
5.500%

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 3.125% would have an APR of 3.00% and a monthly payment of $179.69 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.

Home Mortgages

ProductTerm (months)Interest Rate APR*Points
Primary Residence, 1-4 Family Purchase/Refinance1803.375% 3.610% 0
or2404.00%4.186%0
Secondary Residence, 1-4 Family Owner Occupied, Purchase/Refinance 3604.250%4.386%0

Payment Example: A Home Mortgage loan for $50,000 over a 180 month period with an APR of 3.610% would have a monthly payment of $354.38.

*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.

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

5.25%
6.25%
7.25%

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

4.75%
5.00%
5.25%

Payment Example: A home improvement loan for $7,500 over a 60 month period with an APR of 7.25% would have a monthly payment of $149.40.

*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.