- Home
- Rates
Rates
Bank on
Better Rates
Check today's loan and deposit rates, compare your options, and see if CCCU is the right place to borrow or grow your money.
Explore Our Rates
Auto Loan
Lock in a lower rate before you start talking numbers at the lot.
Rates effective September 2026
New Vehicle: model year 2026 - 2025
| Term | APR as low as |
|---|---|
| 36 Months | 5.09% |
| 48 Months | 5.19% |
| 60 Months | 5.44% |
| 72 Months | 5.99% |
| 84 Months | 6.19% |
Used Vehicle: model year 2024 - 2012
| Term | APR as low as |
|---|---|
| 36 Months | 5.24% |
| 48 Months | 5.34% |
| 60 Months | 5.59% |
| 72 Months | 6.14% |
| 84 Months | 6.34% |
APR = Annual Percentage Rate. Actual Rates based on applicant’s credit qualifications, collateral, and loan terms.. Rates and terms subject to change at any time. All loans subject to approval. Contact CCCU Representative for details.
Auto & Motorcycle
Interest rates include a 0.25% APR discount for autopay from CCCU account and are subject to credit worthiness. New vehicle financed up to 100% of the purchase price, used up to 100% NADA retail including options. Includes tax, license & extended warranty for qualified borrowers. Term limits may apply. Example payment - A loan of $15,000 for a term of 36 months at 5.09% APR results in monthly payments of $451.08.
Mortgage
Look at mortgage rates before a listing starts to feel like the one.
Fixed-Rate Mortgage
| Term | Rate | APR |
|---|---|---|
| 30-Year | 6.990% | 7.191% |
| 20-Year | 6.750% | 7.009% |
| 15-Year | 6.500% | 6.821% |
| 10-Year | 6.250% | 6.701% |
Adjustable-Rate Mortgage (ARM)
| Type | Rate | APR |
|---|---|---|
| 10/6m ARM | 6.250% | 6.442% |
| 7/6m ARM | 6.000% | 6.190% |
| 5/6m ARM | 5.750% | 5.937% |
Fixed and Adjustable-Rate Mortgages
APR = Annual Percentage Rate. ARM = Adjustable Rate Mortgage. Click a Rate for additional disclosures. Rates subject to change without notice. View all mortgage rate disclosures.
Home Equity
Use your home's value without guessing what the monthly cost could be.
Rates effective September 2026
Home Equity Loan Rates
| Term & Loan to Value (LTV) | APR As Low As | Estimated Monthly Payment ($40,000 Loan Amount) |
|---|---|---|
| 10 Year up to 80% LTV | 6.74% fixed APR | $459.09 |
| 20 Year up to 80% LTV | 7.59% fixed APR | $324.44 |
| 20 Year up to 90% LTV | 8.59% fixed APR | $497.87 |
Home Equity Line of Credit (HELOC) Rates
| Loan To Value (LTV) | APR As Low As | Estimated Monthly Payment ($40,000 Loan Amount) |
|---|---|---|
| Up to 80% LTV | 7.00% variable APR | $400.00 |
| Up to 90% LTV | 8.00% variable APR | $400.00 |
APR = Annual Percentage Rate. Final approval and actual rates based on applicant's credit qualifications, collateral, and loan terms. Rates and terms subject to change at any time. Member is responsible for cost of appraisal (generally $20 - $655) regardless of completion of loan. Closing costs generally range from $750 - $1,500. Homeowners insurance is required. Fixed Home Equity: Maximum term available is 240 months. Minimum loan amount is $25,000. Home Equity Line of Credit (HELOC): Rate may vary based on Wall Street Journal (WSJ) Prime Rate plus disclosed margin. Rate floor is 4% and will not exceed 18%. Payment is the greater of 1% of outstanding balance or $50.
Other restrictions may apply. Contact us for additional details. Equal Housing Opportunity.
Credit Card
Compare card rates before a balance starts costing you every month.
Rates effective September 2026
| Credit Cards | APR for purchases and cash advance |
|---|---|
| Platinum | 11.75% - 18.00% variable |
| Platinum Rewards | 14.00% - 18.00% variable |
| Share Secured | 18.00% |
APR = Annual Percentage Rate. Actual Rates based on applicant’s credit qualifications, collateral, and loan terms. Rates and terms subject to change at any time. All loans subject to approval.
Credit Cards - Platinum & Platinum Rewards
APR may increase or decrease based on certain creditworthiness, not to exceed 18% APR. Cash advance fee is 2% or a $2 minimum. Foreign Transaction fee is 1% of each transaction in U.S. dollars. See the Application and Solicitation and Credit Card Agreement and Disclosure for complete details.
Personal Loan
Plan for fixed payments before a big bill lands in your lap.
Rates effective March 2026
| Loan | APR As Low As |
|---|---|
| Life Happens Loan | 6.99% |
| Personal Loan | 8.99% |
| Debt Consolidation | 8.99% |
| Personal Line of Credit (LOC) | 10.99% |
| Checking Line of Credit (LOC) | 10.99% |
| Savings Secured | 3.00% fixed APR over the savings rate earned, rounded up to the nearest 0.25% |
Calculate Life Happens Payments
Calculate Personal/Debt Payments
APR = Annual Percentage Rate. Actual Rates based on applicant’s credit qualifications and loan terms and include a 0.25% APR discount for autopay from CCCU account. Rates and terms subject to change at any time. All loans subject to approval. Contact CCCU Representative for details.
Recreational Loan
Price out the boat, camper, ATV, or RV before the season gets moving.
Rates effective January 2026
Recreational Vehicle & Boat Model Year: 2026 - 2021
| Term | APR as low as |
|---|---|
| 36 Months | 5.74% |
| 48 Months | 5.99% |
| 60 Months | 5.99% |
| 72 Months | 6.24% |
| 84 Months | 6.74% |
| 120 months - $20,000+ | 6.99% |
| 144 months - $30,000+ | 7.49% |
| 180 months - $30,000+ | 7.99% |
Recreational Vehicle & Boat Model Year: 2020 - 2017
| Term | APR as low as |
|---|---|
| 36 Months | 6.49% |
| 48 Months | 6.49% |
| 60 Months | 6.74% |
| 72 Months | 6.99% |
| 84 Months | 7.74% |
| 120 months - $20,000+ | 8.74% |
Small Recreational Vehicle (Jet Ski/ATV/Snowmobile)
| Model Year | Term | APR as low as |
|---|---|---|
| 2026 - 2023 & Collector | Up to 60 months | 8.49% |
| 2022 - 2020 | Up to 36 months | 9.24% |
APR = Annual Percentage Rate. Actual Rates include a 0.25% APR discount for autopay from CCCU account and are based on applicant’s credit qualifications, collateral, and loan terms.. Rates and terms subject to change at any time. All loans subject to approval. Contact CCCU Representative for details.
Recreational Vehicle/Boat
Recreational vehicles includes boats, motors, trailers, conversion vans and travel trailers. Rate can vary based on term and creditworthiness, and is subject to change. Extended terms available for loan amounts over specified dollar amounts. Example payment - A loan of $15,000 for a term of 36 months at 6.49% APR results in monthly payments of $460.82.
Small Recreational Vehicle (Jet Ski/ATV/Snowmobile)
APR = Annual Percentage Rate. Example payment - A loan of $10,000 for a term of 60 months at 8.49% APR results in monthly payments of $205.83. New vehicles financed up to 100% of the purchase price, used up to 100% NADA retail including options for qualified borrowers. Term limits may apply.
Student Loan
Review student loan rates before tuition and interest start compounding.
Business Loan
Small business rates aren't one-size-fits-all. Our business team creates custom rate packages based on your industry, cash flow, and growth plans. Ready to discuss your business needs?
Checking
Keep your everyday money in an account that can earn while you use it.
Personal Checking
| Account Type | Interest Rate | APY | Minimum To Open |
|---|---|---|---|
| iSelect Checking | 0.03% | 0.03% | no minimum |
| Advantage Checking (tiered) | |||
| $2,500-$9,999 | 0.06% | 0.06% | $2,500 |
| $10,000-$24,999 | 0.10% | 0.10% | $10,000 |
| $25,000 and over | 0.14% | 0.14% | $25,000 |
| AdvantagePlus Checking | 0.18% | 0.18% | $10,000 |
APY = Annual Percentage Yield. iSelect interest rate earned only if interest option is selected upon opening account.
Select two free features with iSelect Checking: Debit Cash Back, ATM refunds, free checks, or interest accrual.
Debit Cash Back program subject to change without notice. Debit Cash Back is a free feature of Advantage and AdvantagePlus checking, but must be selected as an option of iSelect Checking. Age restrictions may apply for ATM/Debit Card. eStatements required for iSelect Checking account. Up to $15 in ATM surcharge fees refunded per month, must present valid receipt within 60 days of transaction. Up to two free boxes of checks per year. AdvantagePlus loan discount available on select non-real estate loans. Ask a representative for complete details. Insured by NCUA & ESI.
Savings
Build your balance in a place designed for steady progress over time.
Personal Savings
| Account Type | Dividend Rate | APY | Minimum To Open |
|---|---|---|---|
| Share Savings | 0.10% | 0.10% | $5 |
| Daily Interest / Holiday Club | 0.10% | 0.10% | No minimum |
| Youth Savings | 0.10% | 0.10% | No minimum |
| Automatic Savings | 0.10% | 0.10% | No minimum |
| Automatic Savings | 0.10% | 0.10% | No minimum |
APY = Annual Percentage Yield
The dividend rate and annual percentage yield may change at any time as determined by the Credit Union's Board of Directors and are the rates and yields that the Credit Union anticipates paying for the applicable dividend period. All accrued earnings are forfeited if a dividend earning account is closed before the end of the quarter.
CD
Set money aside at a fixed rate and know what it can earn.
Rates effective November 2026
| Account Type | Interest Rate | APY | Minimum To Open |
|---|---|---|---|
| Savings Builder CD | 1.75% | 1.76% | $100 |
| Youth Certificate/CD | 2.90% | 2.93% | $100 |
| 6 month CD | 1.50% | 1.51% | $1,000 |
| 12 month CD | 1.95% | 1.96% | $1,000 |
| 24 month CD | 2.33% | 2.35% | $1,000 |
| 36 month CD | 2.67% | 2.70% | $1,000 |
| 48 month CD | 2.77% | 2.80% | $1,000 |
| 60 month CD | 2.87% | 2.90% | $1,000 |
| CD Special - 9 month term | up to 4.00% | up to 4.06% | $5,000 |
| CD Special - 15 month term | up to 4.19% | up to 4.26% | $5,000 |
APY = Annual Percentage Yield. Rates effective as of 11/1/2026 and subject to change without notice. A penalty may be imposed for early withdrawal.
Savings Builder CD - You may make additional deposits any time up to $5,000 maximum value. 12 month term. Once your balance reaches $1,000, you have the option to upgrade to a regular CD. Maximum 1 Savings Builder CD per SSN 18 years and older.
Youth Certificate - For ages 0-17, you may make additional deposits any time up to $10,000 maximum value. 6 month term. Maximum 1 Youth CD per SSN under age 18.
6 Month CD not available for IRA.
CD Specials - Minimum purchase amount is $5,000. 9-month CD for 4.06% APY and 15-month CD for 4.26% APY include a rate boost of 0.20% and are available on certificates with an original balance not included in current CCCU member's 3 month average daily balance. CDs also available for existing CCCU account balances at reduced APY (9-month CD for 3.85% APY, 15-month CD for 4.05% APY). 9-month CD will automatically renew into a 12-month term and 15-month CD will automatically renew into a 24-month term at maturity unless otherwise directed by member. IRA certificates are also available. A penalty for early withdrawal may apply and may reduce earnings.
IRA CDs
Strengthen your retirement with IRA CDs that guarantee growth over time and keep your long-term plan secure.
Rates effective October 2026
| Account Type | Interest Rate | APY | Minimum To Open |
|---|---|---|---|
| 12 Month CD | 1.95% | 1.96% | $1,000 |
| 24 Month CD | 2.33% | 2.35% | $1,000 |
| 36 Month CD | 2.67% | 2.70% | $1,000 |
| 48 Month CD | 2.77% | 2.80% | $1,000 |
| 60 Month CD | 2.87% | 2.90% | $1,000 |
| CD Special - 9 Month Term | Up to 4.00% | Up to 4.06% | $5,000 |
| CD Special - 15 Month Term | Up to 4.19% | Up to 4.26% | $5,000 |
APY = Annual Percentage Yield. Rates effective as of 10/28/2026 and subject to change without notice. Minimum purchase amount is $5,000. 9-month CD for 4.06% APY and 15-month CD for 4.26% APY include a rate boost of 0.20% and are available on certificates with an original balance not included in current CCCU member's 3 month average daily balance. CDs also available for existing CCCU account balances at reduced APY (9-month CD for 3.85% APY, 15-month CD for 4.05% APY). 9-month CD will automatically renew into a 12-month term and 15-month CD will automatically renew into a 24-month term at maturity unless otherwise directed by member. IRA certificates are also available. A penalty for early withdrawal may apply and may reduce earnings.
HSA
Set aside health care dollars in a place where they can keep growing.
| Tiered | Interest Rate | APY | Minimum |
|---|---|---|---|
| $0-$2,499 | 0.05% | 0.05% | no minimum |
| $2,500-$9,999 | 0.10% | 0.10% | $2,500 |
| $10,000-$24,999 | 0.14% | 0.14% | $10,000 |
| $25,000 and over | 0.18% | 0.18% | $25,000 |
APY = Annual Percentage Yield.
Money Market
Hold larger balances where they can earn more and stay within reach.
| Tiered | Interest Rate | APY | Minimum |
|---|---|---|---|
| $0-$2,499* | 0.10% | 0.10% | |
| $2,500-$24,999 | 0.40% | 0.40% | $2,500 |
| $25,000-$49,999 | 0.45% | 0.45% | $25,000 |
| $50,000-$99,999 | 0.55% | 0.55% | $50,000 |
| $100,000 and over | 0.65% | 0.65% | $100,000 |
*A fee is charged if you drop below the $2,500 minimum balance.
Business
Keep business funds in accounts that work harder between expenses.
Business Checking Accounts
| Account Type | Interest Rate | APY | Minimum to Open |
|---|---|---|---|
| Business Select Checking | N/A | N/A | $100 |
| Business Advantage Checking | 0.10% | 0.10% | $2,500 |
| Business AdvantagePlus Checking | 0.20% | 0.20% | $10,000 |
APY = Annual Percentage Yield
Business Checking: Business Select is a non-interest-bearing account with 50 free monthly transactions. Business Advantage requires $2,500 minimum balance to earn stated APY with 150 free monthly transactions. Business AdvantagePlus requires $10,000 minimum balance to earn stated APY with 300 free monthly transactions. Transaction fees apply after free transaction limits.
Business Savings Accounts
| Account Type | Dividend Rate | APY | Minimum to Open |
|---|---|---|---|
| Business Share Savings | 0.10% | 0.10% | $5 |
APY = Annual Percentage Yield
The dividend rate and annual percentage yield may change at any time as determined by the Credit Union's Board of Directors and are the rates and yields that the Credit Union anticipates paying for the applicable dividend period. All accrued earnings are forfeited if a dividend earning account is closed before the end of the quarter.
Business Certificates of Deposit (CD)
| Account Type | Interest Rate | APY | Minimum to Open |
|---|---|---|---|
| 6 month CD | 1.50% | 1.50% | $1,000 |
| 12 month CD | 1.95% | 1.96% | $1,000 |
| 24 month CD | 2.15% | 2.17% | $1,000 |
| 36 month CD | 2.40% | 2.42% | $1,000 |
| 48 month CD | 2.50% | 2.52% | $1,000 |
| 60 month CD | 2.75% | 2.78% | $1,000 |
| CD Special - 9 month term | up to 4.00% | up to 4.06% | $5,000 |
| CD Special -15 month term | up to 4.00% | up to 4.06% | $5,000 |
A penalty may be imposed for early withdrawal.
APY = Annual Percentage Yield. Rates effective as of 9/29/2026 and subject to change without notice. Minimum purchase amount is $5,000. 9-month CD for 4.06% APY and 15-month CD for 4.06% APY include a rate boost of 0.20% and are available on certificates with an original balance not included in current CCCU member's 3 month average daily balance. CDs also available for existing CCCU account balances at reduced APY (9-month CD for 3.85% APY, 15-month CD for 3.85% APY). 9-month CD will automatically renew into a 12-month term and 15-month CD will automatically renew into a 24-month term at maturity unless otherwise directed by member. IRA certificates are also available. A penalty for early withdrawal may apply and may reduce earnings.
Business Money Market Rates
| Tiered | Interest Rate | APY | Minimum |
|---|---|---|---|
| $0-$2,499* | 0.10% | 0.10% | |
| $2,500-$24,999 | 0.40% | 0.40% | $2,500 |
| $25,000-$49,999 | 0.45% | 0.45% | $25,000 |
| $50,000-$99,999 | 0.55% | 0.55% | $50,000 |
| $100,000 and over | 0.65% | 0.65% | $100,000 |
APY = Annual Percentage Yield
The dividend rate and annual percentage yield may change at any time as determined by the Credit Union's Board of Directors and are the rates and yields that the Credit Union anticipates paying for the applicable dividend period. All accrued earnings are forfeited if a dividend earning account is closed before the end of the quarter.
Auto Loan
Lock in a lower rate before you start talking numbers at the lot.
Rates effective September 2026
New Vehicle: model year 2026 - 2025
Used Vehicle: model year 2024 - 2012
APR = Annual Percentage Rate. Actual Rates based on applicant’s credit qualifications, collateral, and loan terms.. Rates and terms subject to change at any time. All loans subject to approval. Contact CCCU Representative for details.
Auto & Motorcycle
Interest rates include a 0.25% APR discount for autopay from CCCU account and are subject to credit worthiness. New vehicle financed up to 100% of the purchase price, used up to 100% NADA retail including options. Includes tax, license & extended warranty for qualified borrowers. Term limits may apply. Example payment - A loan of $15,000 for a term of 36 months at 5.09% APR results in monthly payments of $451.08.
Mortgage
Look at mortgage rates before a listing starts to feel like the one.
Fixed-Rate Mortgage
Adjustable-Rate Mortgage (ARM)
Fixed and Adjustable-Rate Mortgages
APR = Annual Percentage Rate. ARM = Adjustable Rate Mortgage. Click a Rate for additional disclosures. Rates subject to change without notice. View all mortgage rate disclosures.
Home Equity
Use your home's value without guessing what the monthly cost could be.
Rates effective September 2026
Home Equity Loan Rates
Home Equity Line of Credit (HELOC) Rates
APR = Annual Percentage Rate. Final approval and actual rates based on applicant's credit qualifications, collateral, and loan terms. Rates and terms subject to change at any time. Member is responsible for cost of appraisal (generally $20 - $655) regardless of completion of loan. Closing costs generally range from $750 - $1,500. Homeowners insurance is required. Fixed Home Equity: Maximum term available is 240 months. Minimum loan amount is $25,000. Home Equity Line of Credit (HELOC): Rate may vary based on Wall Street Journal (WSJ) Prime Rate plus disclosed margin. Rate floor is 4% and will not exceed 18%. Payment is the greater of 1% of outstanding balance or $50.
Other restrictions may apply. Contact us for additional details. Equal Housing Opportunity.
Credit Card
Compare card rates before a balance starts costing you every month.
Rates effective September 2026
APR = Annual Percentage Rate. Actual Rates based on applicant’s credit qualifications, collateral, and loan terms. Rates and terms subject to change at any time. All loans subject to approval.
Credit Cards - Platinum & Platinum Rewards
APR may increase or decrease based on certain creditworthiness, not to exceed 18% APR. Cash advance fee is 2% or a $2 minimum. Foreign Transaction fee is 1% of each transaction in U.S. dollars. See the Application and Solicitation and Credit Card Agreement and Disclosure for complete details.
Personal Loan
Plan for fixed payments before a big bill lands in your lap.
Rates effective March 2026
Calculate Life Happens Payments
Calculate Personal/Debt Payments
APR = Annual Percentage Rate. Actual Rates based on applicant’s credit qualifications and loan terms and include a 0.25% APR discount for autopay from CCCU account. Rates and terms subject to change at any time. All loans subject to approval. Contact CCCU Representative for details.
Recreational Loan
Price out the boat, camper, ATV, or RV before the season gets moving.
Rates effective January 2026
Recreational Vehicle & Boat Model Year: 2026 - 2021
Recreational Vehicle & Boat Model Year: 2020 - 2017
Small Recreational Vehicle (Jet Ski/ATV/Snowmobile)
APR = Annual Percentage Rate. Actual Rates include a 0.25% APR discount for autopay from CCCU account and are based on applicant’s credit qualifications, collateral, and loan terms.. Rates and terms subject to change at any time. All loans subject to approval. Contact CCCU Representative for details.
Recreational Vehicle/Boat
Recreational vehicles includes boats, motors, trailers, conversion vans and travel trailers. Rate can vary based on term and creditworthiness, and is subject to change. Extended terms available for loan amounts over specified dollar amounts. Example payment - A loan of $15,000 for a term of 36 months at 6.49% APR results in monthly payments of $460.82.
Small Recreational Vehicle (Jet Ski/ATV/Snowmobile)
APR = Annual Percentage Rate. Example payment - A loan of $10,000 for a term of 60 months at 8.49% APR results in monthly payments of $205.83. New vehicles financed up to 100% of the purchase price, used up to 100% NADA retail including options for qualified borrowers. Term limits may apply.
Student Loan
Review student loan rates before tuition and interest start compounding.
Business Loan
Small business rates aren't one-size-fits-all. Our business team creates custom rate packages based on your industry, cash flow, and growth plans. Ready to discuss your business needs?
Checking
Keep your everyday money in an account that can earn while you use it.
Personal Checking
APY = Annual Percentage Yield. iSelect interest rate earned only if interest option is selected upon opening account.
Select two free features with iSelect Checking: Debit Cash Back, ATM refunds, free checks, or interest accrual.
Debit Cash Back program subject to change without notice. Debit Cash Back is a free feature of Advantage and AdvantagePlus checking, but must be selected as an option of iSelect Checking. Age restrictions may apply for ATM/Debit Card. eStatements required for iSelect Checking account. Up to $15 in ATM surcharge fees refunded per month, must present valid receipt within 60 days of transaction. Up to two free boxes of checks per year. AdvantagePlus loan discount available on select non-real estate loans. Ask a representative for complete details. Insured by NCUA & ESI.
Savings
Build your balance in a place designed for steady progress over time.
Personal Savings
APY = Annual Percentage Yield
The dividend rate and annual percentage yield may change at any time as determined by the Credit Union's Board of Directors and are the rates and yields that the Credit Union anticipates paying for the applicable dividend period. All accrued earnings are forfeited if a dividend earning account is closed before the end of the quarter.
CD
Set money aside at a fixed rate and know what it can earn.
Rates effective November 2026
APY = Annual Percentage Yield. Rates effective as of 11/1/2026 and subject to change without notice. A penalty may be imposed for early withdrawal.
Savings Builder CD - You may make additional deposits any time up to $5,000 maximum value. 12 month term. Once your balance reaches $1,000, you have the option to upgrade to a regular CD. Maximum 1 Savings Builder CD per SSN 18 years and older.
Youth Certificate - For ages 0-17, you may make additional deposits any time up to $10,000 maximum value. 6 month term. Maximum 1 Youth CD per SSN under age 18.
6 Month CD not available for IRA.
CD Specials - Minimum purchase amount is $5,000. 9-month CD for 4.06% APY and 15-month CD for 4.26% APY include a rate boost of 0.20% and are available on certificates with an original balance not included in current CCCU member's 3 month average daily balance. CDs also available for existing CCCU account balances at reduced APY (9-month CD for 3.85% APY, 15-month CD for 4.05% APY). 9-month CD will automatically renew into a 12-month term and 15-month CD will automatically renew into a 24-month term at maturity unless otherwise directed by member. IRA certificates are also available. A penalty for early withdrawal may apply and may reduce earnings.
IRA CDs
Strengthen your retirement with IRA CDs that guarantee growth over time and keep your long-term plan secure.
Rates effective October 2026
APY = Annual Percentage Yield. Rates effective as of 10/28/2026 and subject to change without notice. Minimum purchase amount is $5,000. 9-month CD for 4.06% APY and 15-month CD for 4.26% APY include a rate boost of 0.20% and are available on certificates with an original balance not included in current CCCU member's 3 month average daily balance. CDs also available for existing CCCU account balances at reduced APY (9-month CD for 3.85% APY, 15-month CD for 4.05% APY). 9-month CD will automatically renew into a 12-month term and 15-month CD will automatically renew into a 24-month term at maturity unless otherwise directed by member. IRA certificates are also available. A penalty for early withdrawal may apply and may reduce earnings.
HSA
Set aside health care dollars in a place where they can keep growing.
APY = Annual Percentage Yield.
Money Market
Hold larger balances where they can earn more and stay within reach.
*A fee is charged if you drop below the $2,500 minimum balance.
Business
Keep business funds in accounts that work harder between expenses.
Business Checking Accounts
APY = Annual Percentage Yield
Business Checking: Business Select is a non-interest-bearing account with 50 free monthly transactions. Business Advantage requires $2,500 minimum balance to earn stated APY with 150 free monthly transactions. Business AdvantagePlus requires $10,000 minimum balance to earn stated APY with 300 free monthly transactions. Transaction fees apply after free transaction limits.
Business Savings Accounts
APY = Annual Percentage Yield
The dividend rate and annual percentage yield may change at any time as determined by the Credit Union's Board of Directors and are the rates and yields that the Credit Union anticipates paying for the applicable dividend period. All accrued earnings are forfeited if a dividend earning account is closed before the end of the quarter.
Business Certificates of Deposit (CD)
A penalty may be imposed for early withdrawal.
APY = Annual Percentage Yield. Rates effective as of 9/29/2026 and subject to change without notice. Minimum purchase amount is $5,000. 9-month CD for 4.06% APY and 15-month CD for 4.06% APY include a rate boost of 0.20% and are available on certificates with an original balance not included in current CCCU member's 3 month average daily balance. CDs also available for existing CCCU account balances at reduced APY (9-month CD for 3.85% APY, 15-month CD for 3.85% APY). 9-month CD will automatically renew into a 12-month term and 15-month CD will automatically renew into a 24-month term at maturity unless otherwise directed by member. IRA certificates are also available. A penalty for early withdrawal may apply and may reduce earnings.
Business Money Market Rates
APY = Annual Percentage Yield
The dividend rate and annual percentage yield may change at any time as determined by the Credit Union's Board of Directors and are the rates and yields that the Credit Union anticipates paying for the applicable dividend period. All accrued earnings are forfeited if a dividend earning account is closed before the end of the quarter.
Why CCCU Loans?
Member-owned and not-for-profit since 1928, CCCU returns earnings to members through better loan rates, fewer fees, and lending built around your life.
Calculate Before You Commit
Use our calculators to map out payments, savings growth, and long‑term plans before you take the next step.
Take a Step Toward Your Goals
Apply for a loan or open an account online when you're ready. Member-owned means better rates and more money back in your pocket.