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Rates

Rates effective as of July 1, 2025. Fees may reduce earnings. Rates subject to change.

Share Accounts 


Dividends on share accounts are paid quarterly and are effective as of July 1, 2025.
Type Minimum Balance Rate APY
Share Savings
$5, to open
$50 +, to earn interest 
0.00%
0.20%
0.00%
0.20%
Sub Savings
$10, to open
$50 +, to earn interest
0.00%
0.20%
0.00%
0.20%
Youth Savings
$5 - $500
$500.01 +
4.00%
0.20%
4.06%
0.20%
 

Money Market Account 

Balance Rate APY
$2,500 - $9,999.99 1.75% 1.76%
$10,000 - $49,999.99 1.80% 1.81%
$50,000 - $99,999.99 1.90% 1.91%
$100,000+ 2.00% 2.01%
 
 

Checking Accounts

Type Minimum Balance Rate APY
Summit Checking (if qualifications are not met) $50 to open 0.00% 0.00%
Summit Checking (if qualifications are met) $50 to open 4.89% on daily balances up to $5,000 (0.00% on balances over $5,000) 5.00% on daily balances up to $5,000 (0.00% on balances over $5,000)
Free Checking $50 to open N/A N/A
 
Only one Summit Checking is permitted per Social Security number. No minimum monthly balance is required on checking accounts. The Summit Checking will earn a 5.00% APY on balances up to $5,000 if qualifications are met, which are: a minimum of 12 debit card purchases of at least $5 each that must post by month-end, active eStatement enrollment, and one direct deposit of at least $500 each month. ATM withdrawals do not qualify as a purchase. If qualifications are not met, account will earn 0.00% APY. Balances over $5,000 will also earn 0.00% APY.
 
 

IRA Shares & Certificates

Dividends on share accounts are paid quarterly and are effective as of July 1, 2025.
Balance  Rate APY
$50 - $2,499.99 1.10% 1.10%
$2,500 - $9,999.99 1.15% 1.15%
$10,000 - $49,999.99 1.20% 1.21%
$50,000 - $99,999.99 1.25% 1.26%
$100,000+ 1.30% 1.31%
IRA Certificates are available in all tiers and terms of 12 months or longer as our regular certificates with the exception of the Member Appreciation Certificates and special certificates.

Certificates

If you have been a member for 10 or more years, enjoy a rate increase of 0.05% APY on all certificates except for the Member Appreciation Certificates and special certificates.

IRA Certificates are available in all tiers and terms of 12 months or longer with the exception of the Member Appreciation Certificates and special certificates.
Term Minimum Amount Rate APY
10-month Member Appreciation $500 (maximum $50,000) 3.75% 3.80%
20-month Member Appreciation 
 $500 (maximum $50,000) 3.10% 3.13%
6-month
 $1,000 3.60% 3.60%
Jumbo 6-month  $60,000 3.70% 3.70%
12-month  $1,000 3.45% 3.49%
Jumbo 12-month
 $60,000 3.55% 3.59%
24-month
 $1,000 2.75% 2.77%
Jumbo 24-month
 $60,000 2.85% 2.88%
36-month
 $1,000
2.40%
2.42%
Jumbo 36-month
 $60,000
2.50%
2.52%
48-month $1,000 2.20% 2.21%
Jumbo 48-month  $60,000 2.30% 2.31%
60-month $1,000 2.35% 2.37%
Jumbo 60-month  $60,000 2.45% 2.47%
Certificate specials must be funded with at least half in new money that has not been on deposit at Cascade FCU in the last 90 days. 36-, 48- and 60-month certificate options opened on or after September 1, 2022, have the option to bump up your rate once per term. Only one Member Appreciation Certificate is allowed per primary member.
 
EARLY WITHDRAWAL PENALTY:
Terms of less than 12 months: 90 days dividends on amount withdrawn.
Terms of 12 to 35 months: 180 days dividends on amount withdrawn.
Terms of 36 months or greater: 365 days of dividends on amount withdrawn.

 

Auto Loans

Term  APR as low as Note
up to 36 months 6.25% Model years 2015 - 2025
37 to 48 months  6.50% Model years 2015 - 2025
49 to 60 months
6.55%
 Model years 2015 - 2025
61 to 72 months
 6.70% Model years 2015 - 2025
73 to 84 months 
 6.95% Model years 2015 - 2025, minimum loan amount $15,000
Vehicles must have a model year 10 years old or newer (indicated above); add 2% for prior model years.

RV/Boat Loans

Term 
 APR as low as Notes
up to 84 months 
 7.59% Model years 2015 - 2025
85 to 144 months 
 7.89% Model years 2015 - 2025
145 to 180 months 8.89% Model years 2015 - 2025

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 6.29% 
No closing costs* (first mortgage only)
 
Rapid Mortgage 7-year fixed  6.39%
No closing costs* (first mortgage only)
 
Rapid Mortgage 10-year fixed 
 6.49%
No closing costs* (first mortgage only)
 
Rapid Mortgage 12-year fixed  6.59%
No closing costs* (first mortgage only)
 
Rapid Mortgage 15-year fixed 6.69%
No closing costs* (first mortgage only)
 
Rapid Mortgage 20-year fixed 6.79%
No closing costs* (first mortgage only)
Other refinance options  Get a custom quote
*No fee loan with early closure penalty if loan is closed within the first 24 months; terms and conditions apply.

Home Equity Loans

Term 
 APR as low as Notes
5-year 6.25% Fixed rate
10-year 7.35% Fixed rate
15-year  7.70% Fixed rate
Home Equity Line of Credit 7.77%*** 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 the Wall Street Journal prime rate plus a margin (based on credit qualifications), with a maximum of 13.00% APR.

Personal Loans 

APR as low as
 Notes
8.95% 
 up to 48 months
9.95% 
 up to 60 months (minimum loan amount of $5,000)
10.95%  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*  12.15% 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.










APY = annual percentage yield. APR = annual percentage rate. Fees may reduce earnings.
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