Fee Schedule

Membership Fee $5.00
Christmas Club Early Withdrawal Fee $5.00
CD Early Withdrawal Fee $150 or 3 months most recent interest earned (whichever is greater)
Inactive Account Fee $5.00 per month after 1 year if account balance is less than $100
NSF Fee $35.00
Stop Payment Request $35.00
New Prepaid Debit Card $10.00
Loan Fee $25.00
Credit Report Fee $15.00
DocuSign Fee $5.00
Late Loan Payment Fee $25.00, after 10 day grace period
Skip-A-Payment Fee $25.00

Better than Bank Rates

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

Account Type Minimum Opening Deposit Minimum Bal to Earn APY Dividend Rate APY
Regular Share Acct $5.00 $5.00 0.10% 0.10%
$2,500 Club Acct $2,500.00 $2,500.00 0.20% 0.20%
Christmas Club Acct - - 0.25% 0.25%
Terms Dividend Rate Annual Percentage Yield
Certificate of Deposits
*Minimum Opening Deposit – $1,500
*Dividends Credited – Monthly		 *Dividends Compounded – Monthly
6 month 2.00% 2.018%
12 month 3.75% 3.815%
18 month 3.25% 3.298%
24 month 3.00% 3.041%
Year Models 2024-2025 APR
48 months 6.10%
60 months 6.25%
66 months 6.50%
72 months 6.75%
84 months 7.25%
Year Models 2022-2023 APR
48 months 6.50%
60 months 6.75%
66 months 7.00%
72 months 7.25%
84 months ($25,000 minimum) 7.70%
Year Models 2020-2021 APR
48 months 7.50%
60 months 7.75%
66 months 8.00%
72 months ($20,000 minimum) 8.25%
Year Models 2018-2019 APR
36 months 7.25%
48 months 7.75%
60 months 8.25%
66 months 8.75%
Year Model 2017 APR
24 months 7.75%
36 months 8.00%
48 months 8.25%
60 months ($15,000 minimum) 8.75%
Year Models 2016 & Older APR
24 months 8.50%
30 months 8.75%
36 months 9.00%
48 months ($15,000 minimum) 9.25%

Recreational Vehicles

(i.e. Boats, Jet Skis, ATVs, Campers, Motor Homes, etc)

Term APR
48 months 8.50%
60 months 8.75%
66 months 9.00%
72 months 9.25%
84 months 9.50%
120 months 10.00%
*Can only go 120 months if over $25,000*

Motorcycles, Tractors & Lawn Mowers

Term (Months) APR
36 months 8.25%
48 months 8.50%
60 months 8.75%
66 months 9.00%
72 months 9.25%