Rates
SAVINGS RATES
Effective August 1, 2017
| Account Type | APY* |
|---|---|
| Share Savings Account | 0.20% |
| Christmas Club Account | 1.50% |
| Share Savings IRA (Traditional & Roth) | 1.15% |
| Money Market | APY* |
|---|---|
| Balance of $0 to $2,499 | 0.00% |
| Balance of $2,500 to $14,999 | 0.40% |
| Balance of $15,000 to $49,999 | 0.50% |
| Balance of $50,000+ | 0.60% |
| Share Certificate Accounts | APY* |
|---|---|
| 6 Month | 0.30% |
| 12 Month | 0.40% |
| 24 Month | 0.50% |
| 36 Month | 1.00% |
| 48 Month | 1.25% |
Fees will reduce earning on all account types. $500 minimum deposit for 6 month Share Certificate Account. $1,000 minimum deposit for 12 – 48 month Certificates. Early withdrawal penalties may apply on Certificate Accounts. $2,500 minimum balance required to earn dividends on Money Market Accounts.
*APY – Annual Percentage Yield. Subject to change without notice. Certain conditions apply. Fees may reduce earnings on accounts.
LOAN RATES
Effective August 1, 2017
| DESCRIPTION | YEAR | RATE | TERM | VALUE | APPLY |
|---|---|---|---|---|---|
| Vehicle Loan – NEW | 2018 | 3.25% | 6 Years | Retail / NADA | Apply Now |
| Vehicle Loan – NEW | 2017 | 3.50% | 6 Years | Retail / NADA | Apply Now |
| Vehicle Loan – USED | 2017 | 3.50% | 6 Years | Retail / NADA | Apply Now |
| Vehicle Loan – USED | 2016 | 3.75% | 6 Years | Retail / NADA | Apply Now |
| Vehicle Loan – USED | 2015 | 4.00% | 6 Years | Loan^ | Apply Now |
| Vehicle Loan – USED | 2014 | 4.50% | 6 Years | Loan^ | Apply Now |
| Vehicle Loan – USED | 2012 & 2013 | 5.50% | 5 Years | Loan^ | Apply Now |
| Vehicle Loan – USED | 2010 & OLDER | 6.00% | 4 Years | Loan^ | Apply Now |
Discounts Available: If financing 90% of the value that CAPE can lend on the vehicle, there is a discount of 0.25%. If financing 80% of the value that CAPE can lend on the vehicle, there is a discount of 0.50%.
^ Loan value used unless credit score of 700+; then Retail / NADA value used.
All vehicles financed over $50,000 may receive a rate up to 7 years.
| DESCRIPTION | RATE | TERM | LIMITS | APPLY |
|---|---|---|---|---|
| Signature | 14.00% | 5 Years | $10,000.00 | Apply Now |
| Consolidation | 15.00% | 5 Years | $10,000.00 | Apply Now |
| VISA Credit Card | 9.90% | 3% of Balance | $10,000.00 | Apply Now |
| Vacation | 11.00% | 1 Year | $2,500.00 | Apply Now |
| Christmas | 11.00% | 1 Year | $2,500.00 | Apply Now |
| Share Secured | 1.75% – 4.00% | See Staff | See Staff | Apply Now |
| Beginners Loan | 10.00% | 1 Year | $1,000.00 | Apply Now |
| Motorcycle – NEW | 5.00% | 6 Years | Retail / NADA | Apply Now |
| Motorcycle – USED | 5.00% | 6 Years | Retail / NADA | Apply Now |
| Recreational Vehicles – NEW | 5.00% | 6 Years | Retail / NADA | Apply Now |
| Recreational Vehicles – USED | 5.00% | 6 Years | Retail / NADA | Apply Now |
| Farm Equipment – NEW | 5.00% | 6 Years | Retail / NADA | Apply Now |
| Farm Equipment – USED | 5.00% | 6 Years | Retail / NADA | Apply Now |
| Mortgages | See Staff | See Staff | See Staff | See Staff |
Rates subject to change without notice. Other fees may apply. Contact our Branch for further details at (304) 623-4794.
