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Rates

Rates effective as of February 1, 2023. Fees may reduce earnings. Rates subject to change.

Share Accounts 


Dividends on share accounts are paid quarterly. Rates effective as of February 1, 2023.

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 1.50% 1.51%
$10,000 - $49,999.99 1.55% 1.56%
$50,000 - $99,999.99 1.60% 1.61%
$100,000+ 1.65% 1.66%

IRA Shares & Certificates

Dividends on share accounts are paid quarterly. Rates effective as of February 1, 2023.
Balance  Rate APY
$50 - $2,499.99 1.00% 1.00%
$2,500 - $9,999.99 1.05% 1.05%
$10,000 - $49,999.99 1.10% 1.10%
$50,000 - $99,999.99 1.15% 1.15%
$100,000+ 1.20% 1.21%
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) 3.95% 4.01%
20-month Member Appreciation 
 $500 (maximum $50,000) 4.45% 4.52%
6-month
 $1,000 2.85% 2.88%
Jumbo 6-month  $60,000 2.95% 2.98%
12-month  $1,000 3.05% 3.09%
Jumbo 12-month
 $60,000 3.15% 3.19%
24-month
 $1,000 3.55% 3.60%
Jumbo 24-month
 $60,000 3.65% 3.70%
36-month
 $1,000
3.55%
3.60%
Jumbo 36-month
 $60,000
3.65%
3.70%
48-month $1,000 3.50% 3.55%
Jumbo 48-month  $60,000 3.60% 3.65%
60-month $1,000 3.70% 3.75%
Jumbo 60-month  $60,000 3.80% 3.85%
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.
 
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Terms of 12 months or less: 90 days dividends on amount withdrawn.
Terms of more than one year: 180 days dividends on amount withdrawn.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 6.24% Model years 2013 - 2023
37 to 48 months  6.69% Model years 2013 - 2023
49 to 60 months
6.79%
 Model years 2013 - 2023
61 to 72 months
 6.84% Model years 2013 - 2023
73 to 84 months 
 7.49% Model years 2013 - 2023, minimum loan amount $15,000
Vehicles must be model year 2012-2022; 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

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 5.54% 
No closing costs* (first mortgage only)
 
Rapid Mortgage 7-year fixed  5.64%
No closing costs* (first mortgage only)
 
Rapid Mortgage 10-year fixed 
 5.74%
No closing costs* (first mortgage only)
 
Rapid Mortgage 12-year fixed  6.34%
No closing costs* (first mortgage only)
 
Rapid Mortgage 15-year fixed 6.54%
No closing costs* (first mortgage only)
 
Rapid Mortgage 20-year fixed 7.04%
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 6.14% Fixed rate
10-year 6.64% Fixed rate
15-year  6.99% Fixed rate
Home Equity Line of Credit 5.06%*** 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
8.45% 
 up to 48 months
9.45% 
 up to 60 months (minimum loan amount of $5,000)
10.45%  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.











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BECOME A MEMBER

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Apply for a savings account to begin your Cascade FCU membership with just $5!