Resources

Rates & Fees

Rate Checker

APY = Annual Percentage Yield. APR = Annual Percentage Rate.

Unsecured Personal Loan

Rates as of 5/17/2023

Amount
Term
Base Rate/APR*
$2,500–$7,500
6–36 months
11.250%
$5,000–$15,000
37–48 months
12.250%
$7,500–$15,000
49–60 months
13.250%

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Payment Example: A personal loan for $7,500 over a 60 month period with an APR of 13.250% would have a monthly payment of $171.61.
Rates quoted require automatic payment set up from CCB checking or savings. Add 0.25% if no AFT.

New Auto Loans

Rates as of 5/17/2023

Amount
Term
Base Rate/APR*
Min. $2,500
36 months
6.500%
Min. $2,500
60 months
6.750%
Min. $2,500
72 months
7.000%
Min. $2,500
120 months
7.250% *AFT Req.

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Payment Example: A new automobile loan for $10,000 over a 60 month period with an APR of 6.750% would have a monthly payment of $196.83 when auto-pulled** from a CCB account.
**Rates quoted require automatic payment set up from CCB checking or savings. Add 0.25% if no AFT.

Used Auto Loans / Auto Loan Refinance

Rates as of 5/17/2023

Amount
Term
Base Rate/APR*
Model Year
Min. $2,500
6–60 months
7.500%
2019–23
Min. $2,500
61-72 months
8.250%
2019–23
Min. $2,500
6-48 months
8.500%
2017-18
Min. $2,500
6-36 months
9.500%
2015-16

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Rates quoted require automatic payment set up from CCB checking or savings. Add 0.25% if no AFT.
Older vehicles considered on exception basis. Add 0.50%. Max LTV 75%.

New Recreational Vehicles

Rates as of 5/17/2023

Amount
Term
Base Rate/APR*
Min. $2,500
36 months
7.500%
Min. $2,500
48 months
7.750%
Min. $2,500
60 months
8.000%

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Rates quoted require automatic payment set up from CCB checking or savings. Add 0.25% if no AFT.
Refer to SVP, Retail Lending & Community Development for extended terms on Luxury/High End Boats and Recreational options.

Used Recreational Vehicles / Refinance

Rates as of 5/17/2023

Amount
Term
Base Rate/APR*
Model Year
Min. $2,500
36 months
8.250%
2013–22
Min. $2,500
48 months
9.250%
2013–22
Min. $2,500
60 months
10.250%
2013–22

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Rates quoted require automatic payment set up from CCB checking or savings. Add 0.25% if no AFT.
Refer to SVP, Retail Lending & Community Development for extended terms on Luxury/High End Boats and Recreational options.

Fixed Rate Conforming Mortgage – Primary and Secondary Residence

Rates as of 5/30/2023

Term
Interest Rate
Points
APR
Max LTV
15 Years
6.500%
0
6.631%
95%
15 Years
6.250%
1
6.380%
95%
20 Years
6.625%
0
6.730%
95%
20 Years
6.375%
1
6.479%
95%
30 Years
6.875%
0
6.956%
95%
30 Years
6.625%
1
6.705%
95%

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Payment Example: A Home Mortgage loan for $100,000 over a 180 month period with an APR of 6.631% would have a monthly payment of $871.11. Taxes and insurance not included, your actual payment obligation may be higher.
Loan rate is ONLY guaranteed with a signed 50 day lock-in agreement. Prevailing rate determined 7 days prior to closing.
Maximum Loan – single family – $726,200 as of 01/01/2023 – purchase money or no cash out refi’s – primary residence only.

  • Maximum LTV for ANY manufactured home or permanent foundation – 90% (purchase transaction only)
  • For 2-4 units – purchase money primary residences, maximum LTV – 80%
  • For 1 unit – owner occupied secondary residence, maximum LTV – 90%
  • For cash out refinances – maximum LTV – 80%
  • Jumbo mortgage rates available – see portfolio loan rates

Portfolio Mortgages

Rates as of 5/30/2023

Fixed Rates
Interest Rate
Points
APR
Max LTV
15 Years
7.250%
0
7.384%
95%
15 Years
7.000%
1
7.133%
95%
20 Years
7.375%
0
7.483%
95%
20 Years
7.125%
1
7.232%
95%
25 Years
7.625%
0
7.719%
95%
25 Years
7.375%
1
7.468%
95%
30 Years
7.625%
0
7.710%
95%
30 Years
7.375%
1
7.459%
95%

Payment Example: A Home Mortgage loan for $100,000 over a 180 month period with an APR of 7.384% would have a monthly payment of $912.86. Taxes and insurance not included, your actual payment obligation may be higher.
Max Loan – bank’s legal lending limit – primary or secondary 1-4 family residences, purchase or refinance.

Adjustable Rate Mortgages

5/1 ARM

Rates as of 5/24/2023

Term
Interest Rate
Points
APR
Max LTV
30 Years
6.000%
0
6.745%
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

Rates as of 5/24/2023

Term
Interest Rate
Points
APR
Max LTV
30 Years
6.125%
0
6.797%
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% Max Loan – Bank’s Legal Lending Limit – Primary or Secondary 1-4 Family Residences, Purchase or Refinance

  • For Refinance Mortgages – LTV Capped at 90% for No-Cash Out Refi’s and 80% for Cash Out Refi’s
  • Maximum LTV for ANY Manufactured Home on Permanent Foundation – 80%
  • New construction financing with 9 month I/O building period. 1% construction fee- Max LTV 80% of total project.
  • For 1 – 2 Unit’s – Purchase Money Primary Residences, Maximum LTV – 95% (with PMI) * 3-4 – LTV 80% or Less – PMI not available.

Home Improvement Loan – Unsecured

Rates as of 5/17/2023

Amount
Term
Base Rate/APR*
$2,500–$7,500
6–36 months
11.000%
$5,000–$7,500
37–48 months
12.000%
$5,000–$7,500
49–60 months
13.000%

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Payment Example: a Home Improvement loan for $7,500 over a 60 month period with an APR of 12.750% would have a monthly payment of $169.69.
Rates quoted require automatic payment set up from CCB checking or savings. Add 0.25% if no AFT.

Home Equity Term Loans

Rates as of 4/3/2023

Amount
Term
Rate/APR
$7,500-$14,999
12–60 months
7.59%
$15,000+
12-60 months
6.59%
$7,500-$14,999
61-120 months
7.59%
$15,000+
61-120 months
6.59%
$15,000+
121-180 months
6.79%
$25,000+
181-240 months
6.99%

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Payment Example: a Home Equity loan for $25,000 over a 60 month period with an APR of 6.59% would have a monthly payment of $490.21.
May 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.
Rate will be reduced by 0.25% if autopay from CCB checking or savings account is established at time of closing.

Home Equity Line of Credit (HELOC)

Rates as of 3/3/2023

Amount
Rate/APR
Current Rate
$7,500–$24,999
WSJP + .75%
8.750%
$25,000+
WSJP + 0%
8.00%

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**10 year Interest only draw + 15 yr payback
May 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.
No floor / ceiling – 15.9%
Rate will be reduced by 0.25% if autopay from CCB checking or savings account is established at time of closing.

Overdraft Line of Credit

Rates as of 12/2/2022

Amount
Term
Base Rate/APR
Min. $500
12-36 months
18.00%

No rate reduction for autopay.
Rate is as stated- not tied to credit score.

Fee Schedules

Type
Fee
Account Escheatment Fee
$30.00
Account-To-Account “A2A” Transfers – DPXPay (per transaction) To send money to an account at another financial institution. There is no cost to receive money from another financial institution.
$2.00
Bill Pay Inactivity Fee (after no activity for a calendar month/then monthly until used)
$5.00
Business BillPay (per transaction after 10)
$0.50
Cashier’s Check
$7.00
Certified Check (per check)
$20.00
Check Card Replacement Fee
$10.00
Check Collections (incoming & outgoing)
$15.00
Check Protest
$20.00
Christmas Club Savings Early Withdrawal Fee (per withdrawal)
$10.00
Close Account By Mail
$5.00
Coin Rolling Fee (CCB Customer only)
10% of value
Counter Check (per check)
$2.00
Counter Check (5 checks)
$8.00
Deposit Item Returned (each time the item is presented for payment)
$10.00
Deposit Item Returned – Canadian (each time the item is presented for payment)
$30.00
Early Account Close (6 months or less open)
$30.00
Extended Negative Balance Fee (after each 5 consecutive bus. Days, max. of 2 charges)
$5.00
Fax Service (1st sheet)
$1.00
Fax Service (subsequent sheets)
$0.50
Foreign ATM Fee (CCB Cardholders)
$2.50
Foreign Card Trans (CCB ATM)
$3.00
Legal Processing Fee (Levies, Restraints, Garnishments)
$125.00
Lost Safe Deposit Box Key
$50.00
Medicaid Related Statement Requests: 0 – 12 months
$5.00 (per statement)
Medicaid Related Statement Requests: 13 months – over
$75.00 (per request)
Notary Service (per person)
$2.00
Overdrafts (NSF check paid/returned) each time it is presented
$35.00
Overdraft Protection Transfer Fee (per transfer from another CCB checking/savings)
$10.00
Paper Statement Fee – Personal
$2.00
Paper Statement Fee w/Images – Personal
$12.00
Paper Statement Fee – Business
$5.00
Paper Statement Fee w/Images – Business
$25.00
Person-To-Person “P2P” Transfers – DPXPay (per transaction)
$0.50
Person-To-Person “P2P” Transfers – Popmoney (per transaction)
$0.50
Photocopy (per page)
$0.50
Reconciliation (Consumer)* up to 1 hour
$20.00
Reconciliation (Consumer)* additional hours/per hour
$20.00
Research (Consumer)* up to 1 hour
$20.00
Research (Consumer)* additional hours/per hour
$20.00
Research Additional Fees: Statement Copy
$5.00
Research Additional Fees: Statement Copy with Images
$8.00
Return Statement Fee (due to wrong address/2nd time)
$10.00
Safe Deposit Box Drilling (+ costs)
$50.00
Snapshot Statement
$5.00
Stop Payment (one check)
$35.00
Stop Payment (range of checks)
$40.00
Telephone Transfer of Funds
$10.00
Wire Transfer-Domestic (Incoming)
$20.00
Wire Transfer-Domestic (Outgoing)
$25.00
Wire Transfer-International (Incoming)
$30.00
Wire Transfer-International (Outgoing)
$35.00
Zipper Money Bag (+ tax)
$10.00

*Additional fees may apply for Business Accounts.

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