Loan Rates

The following loan rates are effective as of 12/06/18


Credit Cards

Card Type APR Range
Platinum 8.95% - 18.00%
Platinum Rewards 9.95% - 16.95%
Platinum Preferred 11.95% - 18.00%
Business Platinum Rewards 11.75%


Auto Rates

Term Rate Range
Up to 48 Months 3.30% - 18.00%
Up to 60 Months 3.95% - 18.00%
Up to 72 Months 4.20% - 18.00%
Up to 84 Months 4.45% - 15.45%


Boat, Motorcycle, & RV Loans

Term Rate Range
Up to 48 Months 3.65% - 18.00%
Up to 60 Months 4.30% - 18.00%
Up to 72 Months 4.55% - 18.00%
Up to 84 Months 4.80% - 15.80%
Up to 96 Months++ 5.30% - 8.30%
Up to 120 Months++ 6.80% - 9.80%
Up to 180 Months++ 
(2011 or newer)
8.80% - 11.80%


Personal Loans

Term Rate Range
Up to 60 Months 10.60% - 18.00%
EZ Line of Credit (4) 12.70% - 18.00%
Unsecured Home Improvement+ 8.99% - 9.99%



Share/ Certificate Pledge Loans

Information

Share Pledged Loans

Current Share Rate + 3% (fixed)

Certificate Pledged Loans

Certificate Rate 3% (fixed)

Credit Builder Loans

12.00%




Mortgage Loans (Effective 12/06/18)
No points. Rates subject to change.

Product APR Range
30-Year Fixed
15-Year Fixed
See Daily Rates Here 
10-Year Fixed (6) 4.090% - 5.594%
7-Year Fixed (6) 3.745% - 5.248%
5/1 Arm (2) 3.874% - 5.381%
5/1 Arm NOO 15 Year (3) 5.396% - 5.898%


Home Equity Loans

Product APR Range
Home Equity Line of Credit (1)
6.506% - 9.006%

Home Equity Closed End 5.606% - 8.106%


For all vehicle loans a $195 fee is applicable. For Signature Loans a $25 fee is applicable. Loan rates are based on individual credit quality and subject to change without notice. First mortgage rates apply to owner-occupied properties, which may include a second home. For a personalized rate quote, contact a CME Loan Officer.  A vehicle is considered new if it is 2 model years or newer and has less than 25,000 miles. 

Terms available are based on model year.

+Require a contractor bid to improve a primary residence.

++ Available for loan amounts of 50K or higher. 

1) Variable rate loans. Home Equity Loans are adjusted quarterly with the adjustment not to exceed 2.00% annually and will not vary more than 6.00% from rate of issue for the first 10 years. In no event will the rate fall below 4.00%.

2) Variable rate mortgage loan with a fixed rate for the first 5 years. Adjusts every year thereafter on anniversary date with the adjustment not to exceed 2.00% and will not vary more than 5.00% from the rate of issue, and in no event will the rate fall below 4.00%. The index is the monthly average yield on the United States Treasury Securities adjusted to a constant maturity of 1 year, as made available by the Federal Reserve.

3) Variable rate mortgage loan with a fixed rate for the first 5 years. Adjusts every year thereafter on anniversary date with the adjustment not to exceed 2.00% and will not vary more than 5.00% from the rate of issue, and in no event will the rate fall below 5.00%. The index is the monthly average yield on the United States Treasury Securities adjusted to a constant maturity of 1 year, as made available by the Federal Reserve.

4) Variable rate consumer line of credit loan adjusts quarterly with a maximum adjustment of .50%. In no event will the rate fall below 8.00% or exceed 18.00%. The index is the monthly average yield on the United States Treasury Securities adjusted to a constant maturity of 1 year, as made available by the Federal Reserve Board.

5) Click here for Credit Card Account Agreement and Disclosure

6) Rates are subject to change without notice. Minimum loan amount of $50,000, maximum loan to value 85%. Offer available to qualified borrowers with credit score of 680 or greater. 10-yr. fixed rate mortgage: A $100,000 loan paid in 120 months of $961.07. 7-year fixed rate mortgage: A $100,000 loan paid in 84 months of $1307.90. $50,000 in new funds to CME required. Primary residence only.