Community Resource Federal Credit Union
Community Resource Federal Credit Union

Community Resource Rates

Effective Date 9/22/2022

Vehicle Loan Rates**

TERM24 Mo APR*36 Mo APR*48 Mo APR*60 Mo APR*72 Mo APR*84 Mo APR*
2017 & newer3.54%
3.54%
3.54%3.54%
3.74%
4.74%
2014 - 20164.54%
4.54%
4.54%
4.84%
5.24%
NA
2010 - 20136.84%7.04%7.24%NANANA

Powersport Loan Rates**

Term24 Mo APR*36 Mo APR*48 Mo APR*60 Mo APR* 72 Mo APR*
2017 & newer4.54%
4.54%
4.54%4.94%6.34%
2014 to 20165.74%6.24%
6.24%
7.24%NA

PowerSports ‐ Older Models: 36 Max Term / Max 90% LTV / add 1.00% to the 2014-2016 rates

Recreational Vehicle Loan Rates**

Term60 Mo APR*84 Mo APR*120 Mo APR*144 Mo APR*180 Mo APR*
2013 & newer5.04%5.54%
6.54%6.94%
6.94%
2000- 20127.74%
8.74%
9.84%
9.84%
NA

Personal Loan Rates**

Terms up toAPR* as low as
72 Months7.49%

Line of Credit Rates**

Account TypeAPR*Repayment PeriodMax Amount
Unsecured Line of Credit13.50%Revolving$15,000

Credit Card Rates

Credit Cards
Click here for individual card rates

Home Equity Loan/Line Rates

Line of Credit TypeRepayment TermAPR* as low asMax AmountDetails
Interest Only HELOCInterest Only payments first 5 years / 5 Year Draw Period / 25 Year Repayment4.75%Maximum Amt: $250,000 in 1st lien position / $100,000 in 2nd lien positionMaximum CLTV = 85%
HE Fixed Installment Terms up to 20 years3.99%Maximum Amt: $250,000 in 1st and 2nd lien positionMaximum CLTV = 85%
3 Year Adjustable10 year draw / 15 year repayment4.50%Maximum HELOC: $250,000 in 1st lien position / $100,000 in 2nd lien positionMaximum CLTV = 85%
Fixed Rate HELOC3 year draw/ up to 20 year repayment4.24%Maximum HELOC: $250,000 in 1st lien position / $100,000 in 2nd lien positionMaximum CLTV = 85%

Residential Investment Property Loan Rates

TermAPR* as low asLoan to Value Up ToMax Loan Amount
Up to 120 months4.99%70%Maximum Loan = $350,000 1st Lien Position
Up to 180 months5.49%70%Maximum Loan = $350,000 1st Lien Position

*APR = Annual Percentage Rate. All rates quoted are the lowest available rates, the actual interest rate will be based on overall creditworthiness. Variable rates may increase over time. All rates and terms are accurate as of today and are subject to change without notice. All Rates shown are as low as. For current rates call (518) 783-2211. Please refer to your Terms and Disclosures or contact any Community Resource employee for more detailed information. Rate discounts for Military, Veterans, Law Enforcement Officers, Firefighters and EMS/EMT. Click here to learn more.
** Rate includes Membership Pays discount. Membership Pay =.25% rate discount with Automatic Payment from a Community Resource FCU Checking Account.

Dividend Checking Rates

Avg. Daily BalanceRateAPY*
$0 - $999.99 0.00%0.00%
$1,000 & up0.05% 0.05%
$10 monthly fee if avg. daily balance falls below $1,000

Share Savings Account Rates ( incl. Holiday, Vacation and Special Shares)

Avg. Daily BalanceRateAPY*
$0 - $99.99
0.00%0.00%
$100 - $9,999.990.05%0.05%
$10,000 & OVER0.10%0.10%

Money Market Account Rates

TermRateAPY*
$0.00 - $2,499.990.00%0.00%
$2,500 - $9,999.990.30%0.30%
$10,000 - $49,999.990.40%0.40%
$50,000 - $99,999.99
0.50%0.50%
$100,000 AND OVER0.70%0.70%
Withdraw up to 6 (six) times per month

Youth Savings Account Rates (up to age 17)

Avg. Daily BalanceRateAPY*
$0 - $2,499.990.10%0.10%
$2,500 AND OVER0.20%0.20%

Youth Share Certificate Rates (up to age 17)

TermRateAPY*
12 Months2.23%2.25%
Minimum to open: $100 – maximum yearly deposit $30,000)

IRA Share Account Rates

Avg. Daily BalanceRateAPY*
$0.00 - $9,999.990.30%0.30%
$10,000 - $49,999.990.40%0.40%
$50,000 - $99,999.990.50%0.50%
$100,000 AND OVER0.70%0.70%

Share & IRA Share Certificate Rates

TermAPRAPY*
6 Month1.24%1.25%
9 Month1.49%1.50%+
12 Month1.98%2.00%
18 Month2.47%2.50%+
24 Month2.18%2.20%
30 Month2.33%2.35%
36 Month2.42%2.45%
48 Month2.52%2.55%
60 Month2.62%2.65%

Super Share & IRA Certificate Rates

TermAPRAPY*
6 Month1.24%1.25%
9 Month1.49%1.50%+
12 Month1.98%2.00%
18 Month
2.47%2.50%+
24 Month2.28%2.30%
30 Month2.33%2.35%
36 Month2.52%2.55%
48 Month2.62%2.65%
60 Month2.72%2.75%

Lucky Savers Share Certificate Rates

TermAPRAPY*
12 months1.98%2.00%

* APY = Annual Percentage Yield. Dividends are compounded and posted monthly.  Fees and other conditions may reduce earnings. Penalties may apply for early withdrawal. Minimum to open and obtain APY for Share Certificates is $500. Rates are variable and are subject to change without notice. Annual percentage yields are based on the reinvestment of principal and interest for one full year. Dividends are compounded and paid monthly. A penalty will be imposed for early withdrawal on certificates, including IRA certificates. Minimum to open and obtain APY for these Share Certificates is $500. The minimum to open a Youth Share Certificate $100. Fees may reduce earnings. Share certificates automatically renew at the time of maturity. CRFCU will provide 30 days notice prior to the maturity date. If you do not contact CRFCU on or before the maturity date, the account will renew for the term stated, at the rate current at the time of renewal. For certificates with maturities of greater than 90 days, you will have a 7-day grace period after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. Please refer to your Terms and Disclosures for more detailed savings information. Rate increase for Military, Veterans, Law Enforcement Officers, Firefighters and EMS/EMT. Click here to learn more.
+APY = Annual Percentage Yield. 1.50% APY based on 9-month certificate special. 2.50% APY based on 18-month certificate special. Minimum opening deposit of $500 and must maintain $500 minimum balance to earn advertised rate. Early withdrawal penalties apply. Fees may reduce earnings. Additional deposits are not allowed. Certificate specials will automatically renew into CRFCU certificate at the prevailing rate at the time of maturity.
For certificates with maturities of greater than 90 days, you will have a 7-day grace period after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. Rate as of July 25, 2022. Rate is subject to change. Speak with a CRFCU representative for current rate information as well as applicable fees and terms.