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 8/30/2010
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 3.84 3.84 24 43.46 Calculator

                                           36 Months

3.99 3.99 36 29.53 Calculator

                                           48 Months

4.25 4.25 48 22.70 Calculator

                                           60 Months

4.75 4.75 60 18.77 Calculator

                                           72 Months

5.00 5.00 72 16.11 Calculator
Green Autos: Up to 100% Financing          

                                                         24Months

3.43 3.43 24 43.18 Calculator

 36 Months

3.59 3.59 36  29.35 Calculator 

 48 Months

3.85 3.85 48  22.52 Calculator 

 60 Months

4.35

4.35 60  18.58 Calculator 

 72 Months

4.60 4.60 72  15.93 Calculator 
Motorcycles: Up to 100% Financing:    

3% above Auto 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
           

 ***Summer Loan Special***

7.49 7.49 1-24 45.01 Calculator

up to $15000, new money only                          

         
           

Signature Loan:                             25-36 Months

10.75 10.75 25-36 32.64 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

132 - 144 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 May change Monthly
call for rates call for rates n/a variable Calculator

1. Rates above are for members with Capitol Plus Accounts, a package of useful products including: free Checking, Share/Savings, no-fee MasterMoneyTM ATM-Debit Card, Direct DepositCRFCU@Home Home Banking and Bill Pay.  Members with Basic Accounts and Capitol Accounts, both of which include fewer products, pay slightly higher loan rates.
2. 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.
3. APR= Annual Percentage Rate. Interest Rates are subject to change without notice.

Go To Loan Application | Go To Calculators | Back to Top 


 

MORTGAGE FINANCING
 Purchase or Re-finance Residential Real Estate...

 
 
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 our mortgage partner, we offer a complete selection of fixed-rate and adjustable-rate mortgage financing plans. For information or an appointment to help you learn more or to apply for a mortgage loan that can suit your needs, call Laurie Mornhineway, Loan Manager, 860-513-4024 x 212...

For Current Mortgage Rates...
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. 
 


SHARE-SAVINGS
Rates Effective 8/30/2010
Savings Dividend Rate  

     APY 

Term Minimum Balance

 

Regular and Auxiliary Shares($250 and up) 0.10 0.10 n/a $250.00
Regular Share IRAs (Traditional, Roth and Education) 0.10 0.10 n/a None
Christmas and Vacation Clubs 0.10 0.10 n/a None

APY=Annual Percentage Yield. Rates are subject to change without notice.
                                                                                              Back to Top

MONEY MARKET SAVINGS
Rates Effective 8/30/2010

$2,500 Minimum Opening Balance

Dividend Rate

 

APY

 

Capitol Plus Account

0.25

0.25

Capitol Account

0.15

0.15

Regular Account

0.13

0.13

     

$10,000 Minimum Opening Balance

Dividend Rate

 

APY

 

Capitol Plus Account

0.30

0.30

Capitol Account

0.20

0.20

Regular Account

0.15

0.15

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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TERM SHARES - CERTIFICATES
Rates are for Members with Capitol Plus Accounts.  

 Rates effective 8/30/2010

 Certificates - Term shares Term

Dividend
 Rate

APY Term/
Months
Minimum
Balance
Balances Between $1,000 to <$2,500 - 3 Month Term N/A N/A  3 $1000.00
  6 Month Term

0.20

0.20 6 $1000.00
  12 Month Term 0.60 0.60 12 $1000.00
  18 Month Term 0.80 0.80 18 $1000.00
  24 Month Term 1.10 1.11 24 $1000.00
  36 Month Term 1.50 1.51 36 $1000.00
  48 Month Term 1.80 1.82 48 $1000.00
  60 Month Term 2.15 2.17 60 $1000.00
Balances Between $2,500 to <$10,000  3 Month Term N/A N/A 3 $2500.00
  6 Month Term 0.30 0.30 6 $2500.00
  12 Month Term 0.70 0.70 12 $2500.00
  18 Month Term 0.90 0.90 18 $2500.00
  24 Month Term 1.20 1.21 24 $2500.00
  36 Month Term 1.60 1.61 36 $2500.00
  48 Month Term 1.90 1.92 48 $2500.00
  60 Month Term 2.25 2.27 60 $2500.00
Balances $10,000 & <$50,000 - 3 Month Term 0.20

0.20

3 $10000.00
  6 Month Term 0.40

0.40

6 $10000.00
  12 Month Term 0.80 0.80 12 $10000.00
  18 Month Term 1.00 1.00 18 $10000.00
  24 Month Term 1.30

1.31

24 $10000.00
  36 Month Term 1.70 1.71 36 $10000.00
  48 Month Term 2.00 2.02 48 $10000.00
     60 Month Term 2.35 2.38 60 $10000.00
Balances $50,000 & Up- 3 Month Term 0.30 0.30 3 $50000.00
  6 Month Term 0.50 0.50 6 $50000.00
  12 Month Term

   0.90

0.90 12 $50000.00
  18 Month Term 1.10 1.11 18 $50000.00
  24 Month Term

1.40

1.41 24  $50000.00
  36 Month Term 

1.80

1.82 36  $50000.00
  48 Month Term  2.10 2.12 48  $50000.00 
  60 Month Term

2.45

2.48 60

$50000.00

1. Early Withdrawal Penalty: We may impose a penalty if you withdraw any of the principal before the maturity date.

2. Rates above are for members with Capitol Plus Accounts, a package of useful products including: free Checking, Share/Savings, no-fee MasterMoneyTM ATM-Debit Card, Direct DepositCRFCU@Home Home Banking, and Bill Pay Members with Basic Accounts and Capitol Accounts, both of which include fewer products,
earn slightly lower rates.

3. APY=Annual Percentage Yield. Rates are subject to change without notice.

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