APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 01/21/2020. Fees may reduce earnings. Rates may change after accounts are opened.
Maximum Green Checking* Learn More
| Balance | Minimum Opening Deposit | Interest Rate | APY |
|---|---|---|---|
| 0 - $10,000 | $100 | 1.98% | 2.00% |
| $10,000+ | $100 | 0.50% | 2.00% to 0.64% |
| All balances if qualifications not met | $100 | 0.05% | 0.05% |
Qualifications
To earn your rewards, enrollments must be in place and all of the following transactions and activities must post and settle to your Maximum Green Checking account during each Monthly Qualification Cycle:
- At least 1 direct deposit or ACH payment transaction
- At least 10 debit card purchases
- Be enrolled in and agree to receive e-statements
If you happen to miss a qualification cycle, don't worry. You still earn the base interest rate, and you can get back to earning your full rewards the very next month.
Maximum Saver* Learn More
| Balance | Minimum Opening Deposit | Interest Rate | APY |
|---|---|---|---|
| 0 - $50,000 | $100 | 1.00% | 1.00% |
| $50,000+ | $100 | 0.35% | 1.00% to 0.57% |
| All balances if qualifications not met | $100 | 0.05% | 0.05% |
Qualifications
Qualifying for your Maximum Green or Maximum Cash Back rewards automatically qualifies you for the highest Maximum Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Maximum Green or Maximum Cash Back Checking account during each Monthly Qualification Cycle:
- At least 1 direct deposit or ACH payment transaction
- At least 10 debit card purchases
- Be enrolled in and agree to receive e-statements
If you don't qualify for rewards during the month, don't worry! You'll still earn our base rate for your savings account. There's no penalty, and you can get back to earning big-time rewards during the next monthly qualification cycle.
Just Right Checking II Learn More
| Balance | Interest Rate | APY |
|---|---|---|
| $0 - $99,999.99 | 0.00% | 0.00% |
| $100,000.00 - $249,999.99 | 0.10% | 0.10% |
| $250,000.00 and above | 0.35% | 0.35% |
Gold Club Checking Learn More
| Balance | Interest Rate | APY |
|---|---|---|
| Minimum $100 | 0.15% | 0.15% |
Certificates of Deposit (CDs) Learn More
| Term | Interest Rate | APY |
|---|---|---|
| 6 Month | 0.19% | 0.190% |
| 12 Month | 0.31% | 0.310% |
| 18 Month | 0.36% | 0.361% |
| 24 Month | 0.46% | 0.461% |
| 30 Month | 0.50% | 0.501% |
| 36 Month | 0.61% | 0.612% |
| 48 Month | 0.69% | 0.692% |
Penalty for early withdrawal
Gold Club CD Learn More
| Term | Interest Rate | APY |
|---|---|---|
| 6 Month | 0.44% | 0.441% |
| 12 Month | 0.56% | 0.562% |
| 18 Month | 0.61% | 0.612% |
| 24 Month | 0.71% | 0.713% |
| 30 Month | 0.75% | 0.753% |
| 36 Month | 0.86% | 0.864% |
| 48 Month | 0.94% | 0.94% |
Penalty for early withdrawal.
Jumbo Certificates of Deposit Learn More
| Term | Deposit Amount | Interest Rate |
|---|---|---|
| 0 - 30 Days | $100,000 - $500,000 | 0.10% |
| 31 - 60 Days | $100,000 - $500,000 | 0.10% |
| 61 - 90 Days | $100,000 - $500,000 | 0.10% |
| 91 - 120 Days | $100,000 - $500,000 | 0.10% |
| 121 - 150 Days | $100,000 - $500,000 | 0.10% |
| 151 - 180 Days | $100,000 - $500,000 | 0.10% |
| 181 - 270 Days | $100,000 - $500,000 | 0.15% |
| 271 - 365 Days | $100,000 - $500,000 | 0.24% |
Penalty for early withdrawal
Savings Accounts
| Product | Interest Rate | APY |
|---|---|---|
| Individual Retirement Accounts (IRAs) | 0.75% | 0.752% |
| Christmas Club | 0.15% | 0.150% |
Statement Savings Learn More
| Balance | Interest Rate | APY |
| $0 - $2,499.99 | 0.10% | 0.100% |
| $2,500 - $4,999.99 | 0.15% | 0.150% |
| $5,000+ | 0.25% | 0.250% |
CCB Kids Cash Club Learn More
| Balance | Interest Rate | APY |
| $0 - $2,499.99 | 0.10% | 0.100% |
| $2,500 - $4,999.99 | 0.15% | 0.150% |
| $5,000+ | 0.25% | 0.250% |
Gold Club Savings Learn More
| Balance | Interest Rate | APY |
| $0 - $2,499.99 | 0.15% | 0.150% |
| $2,500 - $4,999.99 | 0.23% | 0.230% |
| $5,000+ | 0.38% | 0.380% |
Municipal Money Management Account Learn More
| Balance | Interest Rate | APY |
| $0 - $99,999.99 | 0.20% | 0.200% |
| $100,000 - $249,999.99 | 0.30% | 0.300% |
| $250,000+ | 0.35% | 0.350% |
Money Management Plus Learn More
| Balance | Interest Rate | APY |
| $0 - $2,499.99 | 0.00% | 0.00% |
| $2,500 - $34,999.99 | 0.20% | 0.200% |
| $35,000 - $64,999.99 | 0.25% | 0.250% |
| $65,000 - $99,999.99 | 0.30% | 0.300% |
| $100,000+ | 0.35% | 0.350% |
Unsecured Personal Loan Learn More
| Amount | Term | APR1 as low as |
| $2,500 - $7,500 | 6 - 36 months | 6.50% |
| $5,000 - $15,000 | 37 - 48 months | 7.50% |
| $7,500 - $15,000 | 49 - 60 months | 8.50% |
Payment Example: A personal loan for $7,500 over a 60 month period with an APR of 8.50% would have a monthly payment of $154.00.
All interest rates based on 740 or higher credit score.
1 Rates quoted require automatic payment set up from an existing CCB checking or savings account. Rates are increased by .25% if autopay is not set up from a CCB checking or savings account.
Personal Loan - Real Estate Secured Learn More
| Amount | Term | APR1 as low as |
| $2,500 - $20,000 | 6 - 36 months | 5.75% |
| $5,000 - $20,000 | 37 - 48 months | 6.50% |
| $5,000 - $20,000 | 49 - 60 months | 7.00% |
Payment Example: A personal loan for $7,500 over a 60 month period with an APR of 7.00% would have a monthly payment of $148.51.
1 Rates quoted require automatic payment set up from an existing CCB checking or savings account. Rates are increased by .25% if autopay is not set up from a CCB checking or savings account.
New Auto Loans Learn More
| Amount | Term | APR as low as |
| Minimum $2,500 | 36 months | 3.875% |
| Minimum $2,500 | 48 months | 4.00% |
| Minimum $2,500 | 60 months | 4.00% |
| Minimum $2,500 | 72 months | 4.125% |
Payment Example: A new automobile loan for $10,000 over a 60 month period with an APR of 4.00% would have a monthly payment of $184.17 when auto-pulled** from a CCB account.
All interest rates based on 740 or higher credit score.
Rates quoted require automatic payment set up from an existing CCB checking or savings account. Rates are increased by .25% if autopay is not set up from a CCB checking or savings account.
Used Auto Loans / Auto Loan Refinance Learn More
| Amount | Term | APR as low as | Model Year |
|---|---|---|---|
| Minimum $2,500 | 6 - 60 months | 4.75% | 2016 - 2020 |
| Minimum $2,500 | 6 - 48 months | 5.75% | 2014 - 2015 |
| Minimum $2,500 | 6 - 36 months | 6.75% | 2012 - 2013 |
All interest rates based on 740 or higher credit score.
Rates quoted require automatic payment set up from an existing CCB checking or savings account. Rates are increased by .25% if autopay is not set up from a CCB checking or savings account.
New Recreational Vehicles Learn More
| Amount | Term | APR as low as |
| Minimum $2,500 | 36 months | 4.875% |
| Minimum $2,500 | 48 months | 5.00% |
| Minimum $2,500 | 60 months | 5.125% |
All interest rates based on 740 or higher credit score.
Rates quoted require automatic payment set up from an existing CCB checking or savings account. Rates are increased by .25% if autopay is not set up from a CCB checking or savings account.
Used Recreational Vehicles / Refinance Learn More
| Amount | Term | APR as low as | Model Year |
| Minimum $2,500 | 36 months | 5.625% | 2012 - 20202 |
| Minimum $2,500 | 48 months | 6.625% | 2012 - 20202 |
| Minimum $2,500 | 60 months | 7.625% | 2012 - 20202 |
All interest rates based on 740 or higher credit score.
Rates quoted require automatic payment set up from an existing CCB checking or savings account. Rates are increased by .25% if autopay is not set up from a CCB checking or savings account.
2 Add 2% for 2009 - 2010 model years
Conforming Rate Mortgage - Primary and Secondary Residence Learn More
1-4 Family Purchase/Refinance
| Term (months) | Interest Rate | APR | Points |
|---|---|---|---|
| 180 | 3.375% | 3.491% | 0 |
| 240 | 3.625% | 3.716% | 0 |
| 360 | 3.750% | 3.867% | 0 |
Payment Example: A Home Mortgage loan for $50,000 over a 180 month period with an APR of 3.491% would have a monthly payment of $354.38. Taxes and insurance not included, your actual payment obligation may be higher.
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 Rates | Interest Rate | Points | APR | Max LTV |
|---|---|---|---|---|
| 15 Years | 3.875% | 0 | 3.992% | 95% |
| 20 Years | 4.125% | 0 | 4.217% | 95% |
| 25 Years | 4.25% | 0 | 4.327% | 95% |
| 30 Years | 4.250% | 0 | 4.317% | 95% |
Payment Example: A Home Mortgage loan for $50,000 over a 180 month period with an APR of 3.992% would have a monthly payment of $366.72. Taxes and insurance not included, your actual payment obligation may be higher.
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 Rate Mortgages Learn More
| Type | Interest Rate | Points | APR | Max LTV |
| 1 Year Adjustable Convertible3 | 3.50% | 0 | 3.564% | 95% |
| 5/1 ARM4 | 3.625% | 0 | 3.69% | 95% |
| 7/1 ARM5 | 3.875% | 0 | 3.941% | 95% |
Payment Example: A Home Mortgage loan for $50,000 over a 360 month period with an APR of 3.564% would have a monthly payment of $224.52. Taxes and insurance not included, your actual payment obligation may be higher.
APR (Annual Percentage Rate) is calculated using an assumed Loan to Value of 80% on a $50,000 loan for Primary and Secondary Mortgages.
3 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.
4 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%
5 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%
Home Improvement Loan - Unsecured Learn More
| Amount | Term | APR as low as |
| $2,500 - $4,999 | 6 - 36 months | 6.25% |
| $5,000 - $7,500 | 37 - 48 months | 7.25% |
| $5,000 - $7,500 | 49 - 60 months | 8.25% |
Payment Example: A home improvement loan for $7,500 over a 60 month period with an APR of 8.25% would have a monthly payment of $153.00.
Rates based on 740 or higher credit score.
Rates quoted require automatic payment set up from an existing CCB checking or savings account. Rates are increased by .25% if autopay is not set up from a CCB checking or savings account.
Home Improvement Loan - Real Estate Secured Learn More
| Amount | Term | APR as low as |
| $7,500 - $20,000 | 12 - 36 months | 5.50% |
| $7,500 - $20,000 | 37 - 60 months | 5.75% |
| $7,500 - $20,000 | 61 - 120 months | 6.25% |
Payment Example: A home improvement loan for $7,500 over a 60 month period with an APR of 8.25% would have a monthly payment of $153.00.
Rates quoted require automatic payment set up from an existing CCB checking or savings account. Rates are increased by .25% if autopay is not set up from a CCB checking or savings account.
Home Equity Term Loans Learn More
| Minimum Amount | Term | APR as low as |
| $7,500 | 12 - 60 months | 4.49% |
| $7,500 | 61 - 120 months | 4.79% |
| $10,000 | 121 - 180 months | 4.99% |
Payment Example: A Home Equity loan for $25,000 over a 60 month period with an APR of 4.49% would have a monthly payment of $465.96.
Must be primary residence or second home.
Bank pays fees on loans up to $500,000/ 3 year recapture
Maximum loan to value 85%.
Must be first or second lien position.
Home Equity Line of Credit (HELOC) Learn More
| Amount | Interest Rate | Current APR |
| $7,500 - $24,999 | WSJP + .75% | 5.50% |
| $25,000+ | WSJP | 4.75% |
- 10 year Interest only.
- Term payback - 15 years.
- Floor/none, Ceiling 15.9%
- Must be primary residence or second home.
- Bank pays fees on loans up to $500,000/ 3 year recapture
- Maximum loan to value 85%.
- Must be first or second lien position.
Overdraft Line of Credit
| Amount | Term | APR |
|---|---|---|
| Minimum $500 | 12 - 36 months | 18.00% |
No rate reduction for autopay.
Rate is as stated- not tied to credit score.
