Savings

Primary Savings
You are automatically assigned a basic savings account with your membership. A minimum $5.00 share balance is required to keep your account active.

$2,500 Club
A minimum balance of $2,500 is required in order to earn the higher interest rate. If balance falls below $2,500, the account will then earn the Primary Saving’s rate.

Christmas Club
Christmas shopping can be very expensive so now you can be better prepared! Through the convenience of payroll deduction, you can save all year long and on November 1st, your Christmas Club funds will be disbursed and then your holiday shopping fun can begin!
(Early withdrawal penalty of $5 per withdrawal)

Certificate of Deposit
We offer 6 month, 12 month, 18 month and 24 month CD’s. Minimum deposit required is $1,500. You have 7 days at maturity to redeem the CD without penalty.

Better than Bank Rates

Save more and spend less with CCTFCU’s market-leading interest rates on Savings & Loans.

Product Rate APY Minimum Balance
Primary Savings 0.10% 0.10% $5
$2500 Club 0.15% 0.15% $2,500
Christmas Club 0.25% 0.25% n/a
6 mo CD 0.30% 0.30% $1,500
12 mo CD 0.40% 0.40% $1,500
18 mo CD 0.50% 0.50% $1,500
24 mo CD 0.60% 0.60% $1,500
Year Models 2021-2022 APR
48 months 3.35%
60 months 3.50%
66 months 3.75%
72 months 4.00%
84 months 4.50%
Year Models 2019-2022 APR
48 months 3.75%
60 months 4.00%
66 months 4.25%
72 months 4.50%
84 months ($25,000 minimum) 4.95%
Year Models 2017-2018 APR
48 months 4.75%
60 months 5.00%
66 months 5.25%
72 months ($20,000 minimum) 5.50%
Year Models 2015-2016 APR
36 months 5.50%
48 months 6.00%
60 months 6.50%
66 months 7.00%
Year Model 2014 APR
24 months 6.00%
36 months 6.25%
48 months 6.50%
60 months ($15,000 minimum) 7.00%
Year Models 2013 & Older APR
24 months 6.75%
30 months 7.00%
36 months 7.25%
48 months ($15,000 minimum) 7.50%

Motorcycles

Term (Mos) APR
48 6.00
60 6.25
66 6.50
72 6.75

Boats & RV Loans

Term (Mos) APR
48 5.50
60 5.75
66 6.00
72 6.25
84 6.50
120 (Minimum Financed Amt +$25,000) 7.00

Tractors & Lawn Mowers

Term (Mos) APR
24 5.00
36 5.25
48 5.50
60 5.75

Product Rate APY Minimum Balance
Money Market Savings 0.05% 0.05% $100
Money Market 0.05% 0.05% $500