Loan Rates

The following loan rates are effective as of 10/16/18


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 3.15% - 18.00%
Up to 60 Months 3.80% - 18.00%
Up to 72 Months 4.05% - 18.00%
Up to 84 Months 4.30% - 15.15%


Boat, Motorcycle, & RV Loans

Term Rate Range
Up to 48 Months 3.40% - 18.00%
Up to 60 Months 4.05% - 18.00%
Up to 72 Months 4.30% - 18.00%
Up to 84 Months 4.55% - 15.55%
Up to 96 Months 5.05% - 8.05%
Up to 120 Months 6.55% - 9.05%
Up to 180 Months*
(2011 or newer)
8.55% - 11.55%


Personal Loans

Term Rate Range
Up to 60 Months 10.60% - 18.00%
EZ Line of Credit (5) 12.59% - 18.00%



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 10/16/18)
No points. Rates subject to change.

Product APR Range
30-Year Fixed
15-Year Fixed
4.821% - 5.197%
4.371% - 4.748%
10-Year Fixed(7) 3.673% - 5.430%
7-Year Fixed(7) 3.360% - 5.116%
3/3 Arm(3) 3.558% - 4.938%
5/1 Arm(4) 3.358% - 4.870%
Non-Owner Occupied 10-Year Balloon(2) 4.694% - 5.197%
Non-Owner Occupied 15-Year ARM (5/1)(2) 4.843% - 5.345%


Home Equity Loans

Product APR Range
Home Equity Line of Credit(1)

Unsecured Home Improvement+
6.506% - 9.006%

8.99% - 9.99%

Home Equity Closed End 5.606% - 8.106%


For all vehicle loans a $195 fee is applicable. For Premium Signature Loans a $50 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 a model year 2016 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 over 40K

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 loans adjust semi-annually (based on anniversary date) with the adjustment not to exceed 1.00%annually and will not vary more than 6.00% 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 Board.

3) Variable rate mortgage loan with a fixed rate for the first 3 years. Adjusts every three years thereafter on anniversary date with the adjustment not to exceed 1.00% and will not vary more than 6.00% 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 10 years, as made available by the Federal Reserve.

4) 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.

5) 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.

6) Click here for Credit Card Account Agreement and Disclosure

7) 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.