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Loans | Home Equity Loans and Line | Savings | Money Markets | Term Shares-Certificates
Interest Rates on Loan Products and
Dividend Rates for Deposit Products
AUTO and CONSUMER LOANS,
HOME EQUITY LOANS and HOME EQUITY LINES OF CREDIT
Rates Effective 06/17/09
Loan Rates are for Members with Capitol Plus Accounts; see bottom of chart.
|
| Loan Types |
Rate
|
APR
|
Term(months)
|
Payment per $1000.00
|
|
| Autos, Up to 100% Financing: 24 Months |
4.50 |
4.50 |
24 |
43.65 |
Calculator |
|
36 Months
|
4.65 |
4.65 |
36 |
29.81 |
Calculator |
|
48 Months
|
4.90 |
4.90 |
48 |
22.98 |
Calculator |
|
60 Months
|
5.40 |
5.40 |
60 |
19.06 |
Calculator |
|
72 Months
|
5.65 |
5.65 |
72 |
16.41 |
Calculator |
|
Green Autos: Up to 100% Financing 24 Months
|
4.09 |
4.09 |
24 |
43.46 |
Calculator |
|
36 Months
|
4.25 |
4.25 |
36 |
29.64 |
Calculator |
|
48 Months
|
4.50 |
4.50 |
48 |
22.80 |
Calculator |
|
60 Months
|
5.00 |
5.00 |
60 |
18.87 |
Calculator |
|
72 Months
|
5.25 |
5.25 |
72 |
16.23 |
Calculator |
| Motorcycles: Up to 100% Financing: |
3% above car loan rates
|
|
|
| Mobile Homes, RVs, Boats: Up to 60 months |
10.40
|
10.40
|
0-60 |
21.45 |
Calculator |
|
Up to 84 Months
|
11.40
|
11.40 |
61-84 |
17.34 |
Calculator |
|
Up to 120 Months
|
12.40
|
12.40 |
85-120 |
14.59
|
Calculator |
|
CRFCU VISA Classic
|
|
12.90 |
n/a |
n/a |
Calculator |
| CRFCU VISA Classic Balance Transfer Program |
|
9.90 |
n/a |
n/a |
Calculator |
| Overdraft Line of Credit |
|
12.90 |
n/a |
n/a |
Calculator |
| Signature Loan: 1-12 Months |
10.00 |
10.00 |
1-12 |
87.92 |
Calculator |
|
13-24 Months
|
10.25 |
10.25 |
13-24 |
46.26 |
Calculator |
|
25-36 Months
|
10.75 |
10.75 |
25-36 |
32.62 |
Calculator |
|
37-48 Months
|
11.25 |
11.25 |
37-48 |
25.97 |
Calculator |
|
49-60 Months
|
11.75 |
11.75
|
49-60 |
22.12
|
Calculator |
| |
|
|
|
|
|
| Home Improvement: 12 Months |
8.00 |
8.00 |
12 |
86.99 |
Calculator |
|
24 Months
|
8.25 |
8.25 |
24 |
45.34 |
Calculator |
|
36 Months
|
8.75 |
8.75 |
36 |
31.69 |
Calculator |
|
48 Months
|
9.25 |
9.25 |
48 |
25.01 |
Calculator |
|
60 Months
|
9.75 |
9.75 |
60 |
21.13 |
Calculator |
| Home Equity Loans, 80%, 1st Position: |
|
|
|
|
|
|
Up to 60 Months
|
4.89 |
4.89 |
60 |
18.83 |
Calculator |
|
61-120 Months
|
5.64 |
5.64 |
120 |
10.93 |
Calculator |
|
121 - 180 Months
|
6.14 |
6.14 |
180 |
8.52 |
Calculator |
| Home Equity Loans, 80%, 2nd Position: |
|
|
|
|
|
|
Up to 60 Months
|
4.99 |
4.99 |
60 |
18.88 |
Calculator |
|
61-120 Months
|
5.74 |
5.74 |
120 |
10.98 |
Calculator |
|
121-180 Months
|
6.24 |
6.24 |
180 |
8.57 |
Calculator |
| Home Equity Loans, 90%, 2nd Position: |
|
|
|
|
|
|
Up to 60 Months
|
5.99 |
5.99 |
60 |
19.34 |
Calculator |
|
61-120 Months
|
6.74 |
6.74 |
120 |
11.48 |
Calculator |
|
121-180 Months
|
7.24 |
7.24 |
180 |
9.13 |
Calculator |
Home Equity Line of Credit (HELOC) -
Variable Rates* |
call for rates |
call for rates |
n/a |
variable |
Calculator |
|
Green Auto Loan Rates apply only to loans for certain hybrid and fuel-efficient passenger vehicles with a combined rating of 30 MPG (Miles per Gallon) or higher; and flex fuel E85 Ethanol passenger vehicles.
* HELOC Rates are Variable and May Change monthly
1. APR= Annual Percentage Rate. Interest Rates are subject to change without notice.
2. Posted Rates are for members with Capitol Plus Accounts, a package of useful products including: no-fee Checking, Share/ Savings, no-fee MasterMoneyTM Debit/ATM Card, free Payroll Deduction or Direct Deposit, and free Capitol Connection phone banking. Members with Regular Accounts and Capitol Accounts, which include fewer products, pay slightly higher loan rates.
Go To Loan Application | Go To Calculators | Back to Top
MORTGAGE FINANCING
To Purchase or Re-finance Residential Real Estate
For Purchase or Re-finance...
Capitol Region can help members who need mortgage financing to purchase or re-finance residential real estate throughout most of the United States. Working with two mortgage partners, we offer a complete selection of fixed-rate and adjustable-rate mortgage financing plans. For information or an appointment to help you select or apply for a mortgage loan that can suit your needs, call Laurie Mornhineway, Loan Manager, 860-513-4024 x 212...
Get Mortgage Rates Right Now...
Click here for immediate access to rates, calculators and helpful, up-to-date mortgage information offered by our partner MortgageMarkets CUSO. If you choose to do so, you may also take advantage of the option to start your application process online. When asked, please indicate your membership in Capitol Region.
|
| Savings |
Dividend Rate |
APY
|
Term |
Minimum Balance
|
| Regular and Auxiliary Shares($250 and up) |
0.15 |
0.15 |
n/a |
$250.00 |
| Regular Share IRAs (Traditional, Roth and Education) |
0.15 |
0.15 |
n/a |
None |
| Christmas and Vacation Clubs |
0.15 |
0.15 |
n/a |
None |
|
APY=Annual Percentage Yield. Rates are subject to change without notice.
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|
MONEY MARKET SAVINGS
Rates Effective 6/17/09
|
|
$2,500 Minimum Opening Balance
|
Dividend Rate
|
APY
|
|
Capitol Plus Account
|
0.35
|
0.35
|
|
Capitol Account
|
0.25
|
0.25
|
|
Regular Account
|
0.15
|
0.15
|
| |
|
|
|
$10,000 Minimum Opening Balance
|
Dividend Rate
|
APY
|
|
Capitol Plus Account
|
0.55
|
0.55
|
|
Capitol Account
|
0.45
|
0.45
|
|
Regular Account
|
0.35
|
0.35
|
APY=Annual Percentage Yield. Dividend Rates are subject to change without notice. Variable-rate dividends are paid monthly based on average daily balance. Fee assessed when balance goes below minimum opening balance will reduce earnings on your account.
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|
|
Rates effective 6/17/09
| Certificates - Term Shares |
|
Dividend Rate
|
APY
|
Term
(months) |
Minimum Balance |
| Balances Between $1,000 to <$2,500 - |
3 Month Term |
0.70 |
0.70 |
3 |
$1000.00 |
| |
6 Month Term |
1.00
|
1.00 |
6 |
$1000.00 |
| |
12 Month Term |
1.35 |
1.36 |
12 |
$1000.00 |
| |
18 Month Term |
1.50 |
1.51 |
18 |
$1000.00 |
| |
24 Month Term |
1.70 |
1.71 |
24 |
$1000.00 |
| |
36 Month Term |
2.05 |
2.07 |
36 |
$1000.00 |
| |
48 Month Term |
2.30 |
2.32 |
48 |
$1000.00 |
| |
60 Month Term |
2.55 |
2.58 |
60 |
$1000.00 |
| Balances Between $2,500 to <$10,000 |
3 Month Term |
0.80 |
0.80 |
3 |
$2500.00 |
| |
6 Month Term |
1.10 |
1.11 |
6 |
$2500.00 |
| |
12 Month Term |
1.45 |
1.46 |
12 |
$2500.00 |
| |
18 Month Term |
1.60 |
1.61 |
18 |
$2500.00 |
| |
24 Month Term |
1.80 |
1.82 |
24 |
$2500.00 |
| |
36 Month Term |
2.15 |
2.17 |
36 |
$2500.00 |
| |
48 Month Term |
2.40 |
2.43 |
48 |
$2500.00 |
| |
60 Month Term |
2.65 |
2.68 |
60 |
$2500.00 |
| Balances $10,000 & <$50,000 - |
3 Month Term |
0.90 |
0.90
|
3 |
$10000.00 |
| |
6 Month Term |
1.20 |
1.21
|
6 |
$10000.00 |
| |
12 Month Term |
1.55 |
1.56 |
12 |
$10000.00 |
| |
18 Month Term |
1.70 |
1.71 |
18 |
$10000.00 |
| |
24 Month Term |
1.90 |
1.92 |
24 |
$10000.00 |
| |
36 Month Term |
2.25 |
2.27 |
36 |
$10000.00 |
| |
48 Month Term |
2.50 |
2.53 |
48 |
$10000.00 |
| |
60 Month Term |
2.75 |
2.79 |
60 |
$10000.00 |
| Balances $50,000 & Up- |
3 Month Term |
1.15 |
1.16 |
3 |
$50000.00 |
| |
6 Month Term |
1.45 |
1.46 |
6 |
$50000.00 |
| |
12 Month Term |
1.80
|
1.82 |
12 |
$50000.00 |
| |
18 Month Term |
1.95 |
1.97 |
18 |
$50000.00 |
| |
24 Month Term |
2.15
|
2.17 |
24 |
$50000.00 |
| |
36 Month Term |
2.50
|
2.53 |
36 |
$50000.00 |
| |
48 Month Term |
2.75 |
2.79 |
48 |
$50000.00 |
| |
60 Month Term |
3.00
|
3.04 |
60 |
$50000.00
|
Early Withdrawal Penalty: We may impose a penalty if you withdraw any of the principal before the maturity date.
APY=Annual Percentage Yield. Rates are subject to change without notice. Rates are stated for Members with the Capitol Plus Account package of popular products that includes no-fee Checking, Savings, no-fee MasterMoneyTM Debit/ATM Card, free Payroll Deduction or Direct Deposit and free Capitol Connection phone banking. Members with Regular Accounts and Capitol Accounts, which include fewer products, earn slightly lower rates.
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