Community Resource Rates
Effective Date 1/21/2025
Vehicle Loan Rates**
TERM 24 Mo APR* 36 Mo APR* 48 Mo APR* 60 Mo APR* 72 Mo APR* 84 Mo APR*
2019 & newer 4.99% 5.24% 5.44% 5.74% 5.99% 7.49%
2016 - 2018 5.99% 5.99% 6.74% 6.99% 7.19% NA
2012 - 2015 8.49% 8.49% 8.99% NA NA NA
Older Models: Max 90% LTV / Unsecured loan rate
Powersport Loan Rates**
Term 24 Mo APR* 36 Mo APR* 48 Mo APR* 60 Mo APR* 72 Mo APR*
2021 & newer 6.24% 6.24% 6.74% 7.24% 8.24%
2018 to 2020 7.04% 7.04% 7.44% 7.44% NA
PowerSports ‐ Older Models: 36 Max Term / Max 90% LTV / add 1.00% to the 2018-2020 rates
Recreational Vehicle Loan Rates**
Term 60 Mo APR* 84 Mo APR* 120 Mo APR* 144 Mo APR* 180 Mo APR*
2018 & newer 7.24% 7.74% 8.49% 8.79% 8.79%
2009- 2017 10.99% 12.99% 12.99% 14.39% NA
Personal Loan Rates**
Terms up to APR* as low as
72 Months 9.74%
Line of Credit Rates**
Account Type APR* Repayment Period Max Amount
Unsecured Line of Credit 13.25% Revolving $15,000
Credit Card Rates
Credit Cards
Click here for individual card rates
Home Equity Loan/Line Rates
Line of Credit Type Repayment Term APR* as low as Max Amount Details
Interest Only HELOC Interest Only payments first 5 years / 5 Year Draw Period / 25 Year Repayment 7.00% Maximum Amt: $250,000 in 1st lien position / $100,000 in 2nd lien position Maximum CLTV = 85%
HE Fixed Installment Terms up to 20 years 6.25% Maximum Amt: $250,000 in 1st and 2nd lien position Maximum CLTV = 90%
3 Year Adjustable 10 year draw / 25 year repayment 6.00% Maximum HELOC: $250,000 in 1st lien position / $100,000 in 2nd lien position Maximum CLTV = 85%
Fixed Rate HELOC 3 year draw/ up to 20 year repayment 6.50% Maximum HELOC: $250,000 in 1st lien position / $100,000 in 2nd lien position Maximum CLTV = 85%
Residential Investment Property Loan Rates
Term APR* as low as Loan to Value Up To Max Loan Amount
Up to 120 months 8.00% 70% Maximum Loan = $350,000 1st Lien Position
Up to 180 months 8.50% 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 Auto Pay discount. Auto Pay = 0.25% rate discount with an automatic payment.
Dividend Checking Rates
Avg. Daily Balance Rate APY*
$0 - $999.99 0.00% 0.00%
$1,000 & up 0.05% 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 Balance Rate APY*
$0 - $99.99
0.00% 0.00%
$100 - $9,999.99 0.05% 0.05%
$10,000 & OVER 0.10% 0.10%
Money Market Account Rates
Term Rate APY*
$0.00 - $2,499.99 0.00% 0.00%
$2,500 - $9,999.99 0.75% 0.75%
$10,000 - $49,999.99 1.24% 1.25%
$50,000 - $99,999.99
1.49% 1.50%
$100,000 AND OVER 1.74% 1.75%
. Withdraw up to 6 (six) times per month
Youth Savings Account Rates (up to age 17)
Avg. Daily Balance Rate APY*
$0 - $2,499.99 0.10% 0.10%
$2,500 AND OVER 0.20% 0.20%
Youth Share Certificate Rates (up to age 17)
Term Rate APY*
12 Months 3.93% 4.00%
. Minimum to open: $100 – maximum yearly deposit $30,000)
IRA Share Account Rates
Avg. Daily Balance Rate APY*
$0.00 - $9,999.99 0.75% 0.75%
$10,000 - $49,999.99 1.24% 1.25%
$50,000 - $99,999.99 1.49% 1.50%
$100,000 AND OVER 1.74% 1.75%
Share & IRA Share Certificate Rates
Term APR APY*
6 Month 4.07% 4.15%
9 Month 3.93% 4.00%
12 Month 3.69% 3.75%
18 Month 3.69% 3.75%
24 Month 3.59% 3.65%
30 Month 3.45% 3.50%
36 Month 3.35% 3.40%
48 Month 3.25% 3.30%
60 Month 3.20% 3.25%
Super Share & IRA Certificate Rates
Term APR APY*
6 Month 4.07% 4.15%
9 Month 3.93% 4.00%
12 Month 3.69% 3.75%
18 Month
3.69% 3.75%
24 Month 3.69% 3.75%
30 Month 3.54% 3.60%
36 Month 3.45% 3.50%
48 Month 3.35% 3.40%
60 Month 3.30% 3.35%
* 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.