Rates effective as of November 1, 2021. Fees may reduce earnings. Rates subject to change.
Share Accounts
Dividends on share accounts are paid quarterly. Rates effective as of October 1, 2021.
| Type | Minimum Balance | Rate | APY |
|---|---|---|---|
| Share Savings |
$5, to open
$50 +, to earn interest
|
0.00%
0.10%
|
0.00%
0.10%
|
|
Sub Savings
|
$10, to open
$50 +, to earn interest
|
0.00%
0.10%
|
0.00%
0.10%
|
| Youth Savings |
$5 - $500
$500.01 +
|
3.00%
0.10%
|
3.04%
0.10%
|
Money Market Account
| Balance | Rate | APY |
|---|---|---|
| $2,500 - $9,999.99 | 0.15% | 0.15% |
| $10,000 - $49,999.99 | 0.20% | 0.20% |
| $50,000 - $99,999.99 | 0.25% | 0.25% |
| $100,000+ | 0.30% | 0.30% |
IRA Shares & Certificates
Dividends on share accounts are paid quarterly. Rates effective as of October 1, 2021.
| Balance | Rate | APY |
|---|---|---|
| $50 - $2,499.99 | 0.40% | 0.40% |
| $2,500 - $9,999.99 | 0.45% | 0.45% |
| $10,000 - $49,999.99 | 0.50% | 0.50% |
| $50,000 - $99,999.99 | 0.55% | 0.55% |
| $100,000+ | 0.60% | 0.60% |
IRA Certificates are available in all tiers and terms as our regular certificates below with the exception of the Member Appreciation Certificates.
Certificates
If you have been a member for 10 or more years, enjoy a rate increase of 0.10% APY on all certificates except for the Member Appreciation Certificates.
IRA Certificates are available in all tiers and terms below with the exception of the Member Appreciation Certificates.
| Term | Minimum Amount | Rate | APY |
|---|---|---|---|
| 10-month Member Appreciation | $500 (maximum $25,000*) | 0.50% | 0.50% |
| 20-month Member Appreciation |
$500 (maximum $25,000*) | 0.60% | 0.60% |
| 6-month |
$5,000 | 0.25% | 0.25% |
| Jumbo 6-month | $60,000 | 0.30% | 0.30% |
| 12-month | $1,000 | 0.35% | 0.35% |
| Jumbo 12-month |
$60,000 | 0.40% | 0.40% |
| 24-month |
$1,000 | 0.50% | 0.50% |
| Jumbo 24-month |
$60,000 | 0.55% | 0.55% |
| 36-month |
$1,000 | 0.55% | 0.55% |
| Jumbo 36-month | $60,000 | 0.60% | 0.60% |
| 48-month | $1,000 | 0.60% | 0.60% |
| Jumbo 48-month | $60,000 | 0.65% | 0.65% |
| 60-month | $1,000 | 0.70% | 0.70% |
| Jumbo 60-month | $60,000 | 0.75% | 0.75% |
*May add an additional $5,000 to a Member Appreciation Certificate if you have an active (6+ transactions per year) checking account and/or Visa card. Up to $35,000 total.
EARLY WITHDRAWAL PENALTY:
Terms of 12 months or less: 90 days dividends on amount withdrawn.
Terms of more than one year: 180 days dividends on amount withdrawn
Terms of more than one year: 180 days dividends on amount withdrawn
Auto Loans
| Term | APR as low as | Notes |
|---|---|---|
| up to 36 months | 1.99% | Model years 2011 - 2021 |
| 37 to 48 months | 2.44% | Model years 2011 - 2021 |
| 49 to 60 months |
2.54%
|
Model years 2011 - 2021 |
| 61 to 72 months |
2.59% | Model years 2011 - 2021 |
| 73 to 84 months |
3.24% | Model years 2011 - 2021, minimum loan amount $15,000 |
Vehicles must be model year 2011-2021; add 2% for prior model years.
RV/Boat Loans
| Term |
APR as low as | Notes |
|---|---|---|
| up to 84 months |
3.64% | Model years 2011 - 2021 |
| 85 to 144 months |
3.94% | Model years 2011 - 2021 |
| 145 to 180 months | 4.94% | Model years 2011 - 2021 |
Home Mortgage Loans
| Term |
APR as low as | Notes |
|---|---|---|
| Adjustable Rate Mortgage |
Get a custom quote | - |
| 10-year fixed | Get a custom quote | - |
| 15-year fixed | Get a custom quote | - |
| 20-year fixed | Get a custom quote | - |
| 30-year fixed | Get a custom quote | - |
| FHA | Get a custom quote | - |
| VA | Get a custom quote | - |
| Guaranteed Rural Housing (USDA) | Get a custom quote | - |
| Rapid Mortgage 5-year fixed | 2.59% |
No closing costs* (first mortgage only)
|
| Rapid Mortgage 7-year fixed | 2.69% |
No closing costs* (first mortgage only)
|
| Rapid Mortgage 10-year fixed |
2.79% |
No closing costs* (first mortgage only)
|
| Rapid Mortgage 12-year fixed | 2.89% |
No closing costs* (first mortgage only)
|
| Rapid Mortgage 15-year fixed | 2.99% |
No closing costs* (first mortgage only)
|
| Other refinance options | Get a custom quote |
Home Equity Loans
| Term |
APR as low as | Notes |
|---|---|---|
| 5-year | 3.29% | Fixed rate |
| 10-year | 3.79% | Fixed rate |
| 15-year | 4.04% | Fixed rate |
| Home Equity Line of Credit | 1.99%*** | Annual rate adjustment |
APRs quoted up to 70% LTV. Higher LTV options are available, ask for details.
*** Variable rate based on 12 month average of Wall Street Journal prime rate. Based on current index; after 1st year rate is 3.49%-6.25%.
*** Variable rate based on 12 month average of Wall Street Journal prime rate. Based on current index; after 1st year rate is 3.49%-6.25%.
Holiday Loans (Personal)
| APR as low as |
Notes |
|---|---|
| 4.95% |
up to 48 months |
| 5.95% |
up to 60 months (minimum loan amount of $5,000) |
| 6.95% | up to 72 months (minimum loan amount of $7,500) |
Credit Cards
Both Cascade FCU credit card options some with:
- No annual fee
- No balance transfer fee
- No cash advance fee
- No foreign transaction fees
| Type |
APR as low as | Notes |
|---|---|---|
| Rewards Visa Credit Card* | 7.90% | Variable rate |
| Visa Credit Card |
8.90% | Fixed rate |
*Variable Rate Information: Your rate may increase or decrease if the Prime Rate as published in the Wall Street Journal five days before the end of the previous month increases or decreases. Your rate can change monthly on the first day of each billing cycle following a change in the Prime Rate. Your rate will be equal to the Prime Rate plus a margin of 4.65%-10.65%. Any increase will take the form of more payments of the same amount. Your variable rate will never be more than the maximum rate allowed by applicable law. Rates and fees are subject to change.
BECOME A MEMBER
Ready to join Cascade FCU?
Apply for a savings account to begin your Cascade FCU membership with just $5!