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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 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
|
|
|
|
|
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| |
|
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|
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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 Deposit, CRFCU@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.
|
| 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.
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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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|
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 Deposit, CRFCU@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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