Rates & Fees

Savings Accounts (Last Modified: Sep 10, 2014)

DescriptionBalanceDividend RateAPY
Savings Account$0.000.02%0.02%
Christmas Club$0.000.02%0.02%

APY - Annual Percentage Yield
$5.00 minimum balance is required to maintain a Savings Account. Rates listed above are subject to change after the account is opened. Certain fees may apply and may reduce earnings.

Checking Accounts (Last Modified: Apr 01, 2013)

DescriptionBalanceDividend RateAPY
Emerald CheckingNo minimum balance.No Dividends PaidNo Dividends Paid
Rewards Checking$200.00+0.02%0.02%
Performance Money Market Checking Accounts$200.00 - $1,999.990.02%0.02%
$2,000.00 - $14.999.990.05%0.05%
$15,000.00+0.10%0.10%

APY - Annual Percentage Yield
Checking Accounts are earned on the average daily balance and posted quarterly. Rates listed above are subject to change after the account is opened. Dividends on Performance Money Market Accounts are earned on the average daily balance and posted monthly. Certain fees may apply and may reduce earnings.

Share Certificates (CDs/IRAs) (Last Modified: Sep 17, 2014)

DescriptionTermDividend RateAPY
3 months0.10%0.10%
6 months0.20%0.20%
12 months0.30%0.30%
24 months0.40%0.40%
36 months0.50%0.50%
48 months0.60%0.60%
60 months0.70%0.70%
Share Certificates (IRA)3 months0.20%0.20%
6 months0.30%0.30%
12 months0.40%0.40%
24 months0.50%0.50%
36 months0.60%0.60%
60 months0.80%0.80%
Savings IRA
(No minimum balance)
N/A0.05%0.05%

APY - Annual Percentage Yield
Minimum deposit for IRA Certificate Accounts - $250.00
Rates are fixed for the term of the Account.
A Penalty may be imposed for early withdrawal.
Dividends may be withdrawn at any time without penalty or added to principal. Penalty for early principal withdrawals.

Personal Loans (Last Modified: Sep 17, 2014)

DescriptionAPR
Personal Loanas low as 8.50%

APR - Annual Percentage Rate
Rate will never exceed 18.00% APR.
"As Low As" rates listed below are our best rates based on approved credit; actual rate offered may be higher depending upon applicant's credit rating and other underwriting factors. All advertised rates are subject to change without notice.

Vehicle Loan Rates (Last Modified: Jun 17, 2014)

TypeTermAPR
New AutosUp to 60 monthsas low as 1.69%
Financing 61 - 72 monthsas low as 2.19%
Financing 73-84 monthsas low as 2.49%
Used Autos Up to 60 monthsas low as 1.99%
Financing 61 - 72 monthsas low as 2.49%
Motor Homes, Boats, 5th Wheels, and Travel TrailersUp to 120 months
Minimum to Finance $30,000
as low as 4.99%
Up to 84 months
Minimum to Finance $20,000
as low as 4.99%
Motorcycles, ATVs, Personal Water Craft, Other SecuredUp to 60 months
*boats get 1% rate reduction
as low as 4.99%

APR - Annual Percentage Rate
New vehicles are either current or previous year auto with less than 12,000 miles.
Rates listed are best available based on approved credit; actual rate offered may be higher depending upon applicant credit rating and other underwriting factors.
All advertised rates are subject to change without notice.

Other Loan Rates (Last Modified: Sep 17, 2013)

TypeTermAPR
Overdraft 16.50%
Secured by Share Account or CertificateUp to 36 months
37-60 months
2.99%
4.99%

APR - Annual Percentage Rate
Rates listed are our best rates based on approved credit; actual rate offered may be higher depending upon applicant's credit rating and other underwriting factors. All advertised rates are subject to change without notice.

Visa Credit Cards (Last Modified: Mar 20, 2013)

DescriptionAPR
Visa® Classic Card16.00%
Visa® Gold Card
with Bonus Points Program
10.25%*
Visa® Platinum Card
with Bonus Points Program
8.25%*
Visa® Firefighter Gold Card10.25%*
Visa® Secured Card16.00%

Please review our New Account Credit Card Agreement.
*APR - Annual Percentage Rate. Cards are subject to credit approval. CPM Federal reserves the right to change any of the above credit card rates at any time. The APR will vary with the market based on the Prime Rate.

Mortgage (Last Modified: Nov 13, 2013)

Mortgage TypeTermRates as low as
First Mortgage10 years
15 Years
20 Years
30 Years
Contact us at (877) 906-7032

APR - Annual Percentage Rate
Based on a $100,000 loan amount. 30 day rate lock.
As Low As rates listed are our best rates based on approved credit; actual rate offered may be higher depending upon applicant's credit rating and other underwriting factors. All advertised rates are subject to change without notice.

HELOC (Last Modified: Jan 27, 2014)

HELOC OptionTermAPR
Variable Rate10 year draw with a 15 year repaymentDiscount Rate/ Rate as low as
1.99%/3.25%
Fixed Rate5 year draw with a 10 year repayment Rate as low as
3.99%

APR - Annual Percentage Rate
"As Low As" rates listed below are our best rates based on approved credit; actual rate offered may be higher depending upon applicant's credit rating and other underwriting factors. All advertised rates are subject to change without notice.

Fees (Last Modified: Sep 01, 2014)

ItemFee
Check cashing fee (Applies when you do not have a checking account and your share account has a balance of less than $100)(Does not apply to CPM Federal checks)$5 per item
Replace ATM card/Debit card reminders$5
Replace PIN reminders$2
ATM surcharge for non-members/at SEGS$3.00/$2.00
Visa gift card purchase$3
Rewards Checking Account drops below minimum balance of $200.00$3
Performance Money Market Account - average daily balance falls below $200.00$3
Automatic transfer of funds from a Savings account to Checking account$2 per transfer
More than 6 withdrawals from Money Market$10
Official/Cashier's Check$3 (first per day free)
Inactive account (applies if your account has been inactive for one year and only have a savings account)$5.00 per month
Closed Account Fee (Applies if Main Savings Account is closed within 90 days of opening date)$10
Non-sufficient funds (NSF, ACH, ATM, Check Card, Internet Billpay)$31
Overdraft Privilege Fee (Opt-in required for paper notification)$31 per item
$34 with paper notification
Stop payment (Draft, ACH, Corporate Check, Internet Billpay)$31
Paper statement fee (Free 18 years and under or 55 years and over)$1
Statement Copy Fee$5 per copy
Check Copy$2 per copy
Deposited foreign checks returned unpaid (Savings, Checking, Loan)$10
Account Research/Balancing Assistance$15 per hour
Account activity printout$5
Outgoing wire transfer$15
Outgoing foreign wire transfer$40
Incoming wire transfer$7
Money orders (where available)$1 per item
Check Copies$2 per item
Coin Counter Fee (non-members only)10% of cash value
Excessive Withdrawal fee (Three free withdrawals from Main Savings allowed per month)$2 per withdrawal
Locator fee on stale checks$10
Visa payment by phone - if processed by card company by live agent$25
Visa payment late feeup to $25
Visa Payment Return Checkup to $25
Visa Card Replacement$5
Visa Document Copy$2 per copy
Visa Card Recovery$50
Personal check printingFirst box of checks free
Verification of Mortgage$20
3rd Party Mortgage Payoff$20
CARFAX History Report$10.99
Bad Address$5 per month until address is updated
Safe Deposit Boxes**3 x 5 = $25 per year
3 x 10 = $40 per year
5 x 10 = $55 per year
10 x 10 = $85 per year
Change Lock / New Key = $25 per occurrence
Drill Box = $125 per occurrence
Legal Process (Tax levy, garnishment, etc.)$25
Mortgage Modification$100
Mortgage Subordination$50
Skip-a-Pay fee$25

Fees listed above are subject to change without notice.
** Members age 55 and better will receive a $5.00 discount

Please see a member service representative for details.

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