Rates effective as of September 1, 2023. Fees may reduce earnings. Rates subject to change.
Share Accounts
Dividends on share accounts are paid quarterly. Rates effective as of July 1, 2023.
| Type |
Minimum Balance |
Rate |
APY |
| Share Savings |
$5, to open
$50 +, to earn interest
|
0.00%
0.35%
|
0.00%
0.35%
|
|
Sub Savings
|
$10, to open
$50 +, to earn interest
|
0.00%
0.35%
|
|
| Youth Savings |
$5 - $500
$500.01 +
|
4.00%
0.35%
|
4.06%
0.35%
|
Money Market Account
| Balance |
Rate |
APY |
| $2,500 - $9,999.99 |
2.15% |
2.17% |
| $10,000 - $49,999.99 |
2.20% |
2.22% |
| $50,000 - $99,999.99 |
2.25% |
2.27% |
| $100,000+ |
2.35% |
2.37% |
IRA Shares & Certificates
Dividends on share accounts are paid quarterly. Rates effective as of August 1, 2023.
| 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 |
| 8-month Special |
$1,000 (at least half in new money) |
5.05% |
5.05% |
| 10-month Member Appreciation |
$500 (maximum $50,000) |
4.65% |
4.73% |
20-month Member Appreciation
|
$500 (maximum $50,000) |
4.90% |
4.99% |
6-month
|
$1,000 |
4.35% |
4.35% |
| Jumbo 6-month |
$60,000 |
4.35% |
4.35% |
| 12-month |
$1,000 |
4.00% |
4.06% |
Jumbo 12-month
|
$60,000 |
4.10% |
4.16% |
24-month
|
$1,000 |
3.55% |
3.60% |
Jumbo 24-month
|
$60,000 |
3.65% |
3.70% |
36-month
|
$1,000 |
3.30%
|
3.34%
|
|
Jumbo 36-month
|
$60,000 |
3.40%
|
3.44%
|
| 48-month |
$1,000 |
2.75% |
2.78% |
| Jumbo 48-month |
$60,000 |
2.85% |
2.88% |
| 60-month |
$1,000 |
2.95% |
2.98% |
| Jumbo 60-month |
$60,000 |
3.05% |
3.09% |
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. Certificate special must be funded with at least half in new money that has not been on deposit at Cascade FCU in the last 90 days.
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.
Auto Loans
| Term |
APR as low as |
Note |
| up to 36 months |
6.65% |
Model years 2013 - 2023 |
| 37 to 48 months |
6.95% |
Model years 2013 - 2023 |
49 to 60 months
|
7.05%
|
Model years 2013 - 2023 |
61 to 72 months
|
7.25% |
Model years 2013 - 2023 |
73 to 84 months
|
8.15% |
Model years 2013 - 2023, minimum loan amount $15,000 |
Vehicles must be model year 2013-2023; add 2% for prior model years.
RV/Boat Loans
Term
|
APR as low as |
Notes |
up to 84 months
|
7.59% |
Model years 2013 - 2023 |
85 to 144 months
|
7.89% |
Model years 2013 - 2023 |
| 145 to 180 months |
8.89% |
Model years 2013 - 2023 |
Home Mortgage Loans
| Rapid Mortgage 7-year fixed |
6.24% |
No closing costs* (first mortgage only)
|
Rapid Mortgage 10-year fixed
|
6.34% |
No closing costs* (first mortgage only)
|
| Rapid Mortgage 12-year fixed |
6.94% |
No closing costs* (first mortgage only)
|
| Rapid Mortgage 15-year fixed |
7.14% |
No closing costs* (first mortgage only)
|
| Rapid Mortgage 20-year fixed |
7.64% |
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 |
6.89% |
Fixed rate |
| 10-year |
7.39% |
Fixed rate |
| 15-year |
7.74% |
Fixed rate |
| Home Equity Line of Credit |
7.40%*** |
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* |
13.15% |
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.
