Rates

CAMPUS USA Credit Union has Best-of-Market Rates on deposit and loan products.

Autos Motorcycles Boats/Campers ATV, Golf Cart, Jet Ski/Waverunner, Scooter, Tractor, Trailer
Mortgages Home Equity Loans/Lines Unsecured (Personal, Healthy Loan) Savings Certificates


 

Autos Back to the Top
Model Year Term APR*as low as
2014-2015 Up to 60 months 2.0%
Contact us for additional rates and terms.
Payment Example: A $35,000.00 loan with no money down at 2.0% for 60 months would require 59 monthly payments of $617.68 and a final payment of $601.38, finance charge of $1,920.95, for a total of payments of $37,044.50. The amount financed is $35123.55, the APR is 2.0%.
2012-2013 Up to 60 months 2.4%
Contact us for additional rates and terms.
Payment Example: A $25,000 loan with no money down at 2.24% for 60 months would require 59 monthly payments of $444.36 and a final payment of $432.15, finance charge of $1,561.19, for a total of payments of $26,649.39, the APR is 2.4%.
*OFFER NOT AVAILABLE ON EXISTING CAMPUS LOANS. OFFER IS FOR NEW LOANS ONLY. MAY NOT BE COMBINED WITH ANY OTHER OFFER. Your rate may be higher based on creditworthiness, vehicle and term of loan. APR = Annual Percentage Rate.

 

Motorcycles Back to the Top
Model Year Term APR*as low as
2012-2015 Up to 48 months 3.82%
Payment Example: A $15,000 loan with no money down at 3.49% for 48 months would require 47 monthly payments of $338.88 and a final payment of $330.31, finance charge of $1,204.47, for a total of payments of $16,257.67. The amount financed is $15,053.20, the APR is 3.82%.
2012-2015 Up to 60 months 4.06%
Payment Example: A $15,000 loan with no money down at 3.79% for 60 months would require 59 monthly payments of $277.80 and a final payment of $268.09, finance charge of $1,605.09, for a total of payments of $16,658.29. The amount financed is $15,053.20, the APR is 4.06%.
*OFFER NOT AVAILABLE ON EXISITING CAMPUS LOANS. OFFER IS FOR NEW LOANS ONLY. MAY NOT BE COMBINED WITH ANY OTHER OFFER. Your rate may be higher based on creditworthiness, model year, and term of loan. APR = Annual Percentage Rate. Contact us for other rates and terms.

 

 

Boats, Campers, RVs, etc Back to the Top
As low as 4.61% APR for up to 84 months
Contact us for other rates and terms
Payment Example: A $25,000 loan with no money down at 4.49% for 84 months would require 83 monthly payments of $350.20 and a final payment of $334.16, finance charge of $4,312.56, for a total of payments of $29,400.76. The amount financed is $25,088.20, the APR is 4.61%.

 

 

ATV, Golf Cart, Jet Ski/Waverunner, Scooter, Tractor, Trailer Back to the Top
Model Year Term APR*as low as
2011-2014 Up to 36 months 5.30%
Payment Example: A $5,000 loan with no money down at 3.99% for 36 months would require 35 monthly payments of $151.18 and a final payment of $147.83, finance charge of $420.93, for a total of payments of $5,439.13. The amount financed is $5,018.20, the APR is 5.30%.
2011-2014 Up to 60 months 5.53%
Payment Example: A $7,500 loan with no money down at 4.99% for 60 months would require 59 monthly payments of $143.98 and a final payment of $138.99, finance charge of $1,106.86, for a total of payments of $8,633.81. The amount financed is $7,526.95, the APR is 5.53%.
2008-2010 Up to 48 months 5.99%
Payment Example: A $5,000 loan with no money down at 4.99% for 48 months would require 47 monthly payments of $117.92 and a final payment of $114.36, finance charge of $638.40, for a total of payments of $5,656.60. The amount financed is $5,018.20, the APR is 5.99%.
*OFFER NOT AVAILABLE ON EXISITING CAMPUS LOANS. OFFER IS FOR NEW LOANS ONLY. MAY NOT BE COMBINED WITH ANY OTHER OFFER. Your rate may be higher based on creditworthiness, model year, and term of loan. APR = Annual Percentage Rate. Terms of 60 months are limited on ATV and Watercraft to MSRP/NADA retail of $7,500 or greater. Contact us for other rates and terms.

 

 

Home Equity Loans & Lines of Credit Back to the Top
Home Equity Fixed Loans
Term APR*as low as
1-6 year; 90% LTV or less 4.99%
Payment Example: A $57,500 loan at 4.871% for 6 years would require 71 monthly payments of $930.25 and a final payment of $345.15; total finance charge of $8,739.47, for a total of payments of $66,047.47 and a total amount financed of $57,308.00. APR = Annual Percentage Rate. APR is 4.99%%. LTV=Loan to Value as determined by appropriate valuation method.
7-8 year; 80% LTV or less 5.10%
Payment Example: A $50,000 loan at 5.00% for 8 years would require 95 monthly payments of $635.96 and a final payment of $305.40; total finance charge of $10,607.10, for a total of payments of $60,415.10 and a total amount financed of $49,808.00, the APR is 5.106%. LTV=Loan to Value as determined by appropriate valuation method.
9-12 year; 80% LTV or less 5.32%
Payment Example: A $50,000 loan at 5.25% for 12 years would require 143 monthly payments of $469.22 and a final payment of $403.23; total finance charge of $17,288.86, for a total of payments of $67,096.86 and a total amount financed of $49,808.00, the APR is 5.323%. LTV=Loan to Value as determined by appropriate valuation method.
13-15 year; 80% LTV or less 5.56%
Payment Example: A $50,000 loan at 5.50% for 15 years would require 179 monthly payments of $409.80 and a final payment of $101.81; total finance charge of $23,134.79, for a total of payments of $72,942.79 and a total amount financed of $49,808.00, the APR is 5.561%. LTV=Loan to Value as determined by appropriate valuation method.
*OFFER NOT AVAILABLE ON EXISTING CAMPUS LOANS. OFFER IS FOR NEW LOANS ONLY. MAY NOT BE COMBINED WITH ANY OTHER OFFER. Subject to credit and property approval. Your rate may be higher based on your credit worthiness and property valuation. Higher rates apply to non-owner occupied properties. Offer excludes mobile homes. Property insurance is required; an appraisal, flood and/or title insurance may be required at an additional expense to the borrower. No closing costs for fixed rate home equity loans $10,000 to $50,000. $500 off closings costs for loans over $50,000. Normal closing costs range from $125 to $1,000. Appraisal fees not included and may be required prior to closing. APR = Annual Percentage Rate.

 

 

Click here for important Home Equity Line of Credit disclosures.
Home Equity Line of Credit*
Rates as low as
70% LTV or less 4.00% APR
*OFFER NOT AVAILABLE ON EXISTING CAMPUS LOANS. OFFER IS FOR NEW LOANS ONLY. MAY NOT BE COMBINED WITH ANY OTHER OFFER. Subject to credit and property approval. Your rate may be higher based on your credit worthiness and property valuation. Only available on primary residences. Offer excludes mobile homes. Property insurance is required; an appraisal, flood and/or title insurance may be required at an additional expense to the borrower. LTV=Loan to Value as determined by appropriate valuation method. Variable-Rate Feature: The line has a variable-rate feature, and the annual percentage rate (corresponding to the periodic rate) and the minimum monthly payment can change as a result. The annual percentage rate is based on the value of an index. The index is the highest prime rate as published in the “Money Rates” table of the Wall Street Journal as of the last business day of the calendar month. To determine the annual percentage rate that will apply to your line, we add a margin to the value of the index. Ask us for the current index value, margins, discount and annual percentage rates. Margins vary depending on combined loan to value ratios, underwriting criteria and certain account features. After you open a credit line, rate information will be provided on periodic statements that we send you. Rate Changes: The annual percentage rate can change monthly. The maximum ANNUAL PERCENTAGE RATE that can apply is 18.00% and the Minimum rate is 4.00%. Apart from this rate “cap”, the most the rate can change in any one year period is 2.00%.

 

Mortgage Purchase and Refinance
Term Rate APR1 Points Payment Special Details
5 year 2.99%2 3.426%2 0.000% $1,796.422 Up to $2,000 lender’s credit1 View
2. Payment Example: A $100,000 loan at 2.99% for 60 months would require 59 monthly payments of $1,796.42 and one final payment of $1,796.67, a total finance charge of $8,870.45; for a total of payments of $107,785.45. Total amount financed is $98,915.
10 year 3.125%3 3.351%3 0.000% $971.393 Up to $2,000 lender’s credit1 View
3. Example: A $100,000 loan at 3.125% for 120 months would require 119 monthly payments of $971.39 and one final payment of $971.16, a total finance charge of $17,651.57; for a total of payments of $116,566.57. Total amount financed is $98,915.
15 year 3.25%4 3.406%4 0.000% $702.674 Up to $2,000 lender’s credit1 View
4. Payment Example: A $100,000 loan at 3.25% for 180 months would require 179 monthly payments of $702.67 and one final payment of $702.44, a total finance charge of $27,565.37; for a total of payments of $126,480.37. Total amount financed is $98,915.
20 year 3.875%5 3.998%5 0.000% $599.415 Up to $2,000 lender’s credit1 View
5. Payment Example: A $100,000 loan at 3.875% for 240 months would require 239 monthly payments of $599.41 and one final payment of $600.40, a total finance charge of $44,944.39; for a total of payments of $143,859.39. Total amount financed is $98,915.
30 year 4.00%6 4.089%6 0.000% $477.426 Up to $2,000 lender’s credit1 View
6. Payment Example: A $100,000 loan at 4% for 360 months would require 359 monthly payments of $477.42 and one final payment of $475.65, a total finance charge of $72,954.43; for a total of payments of $171,869.43. Total amount financed is $98,915.
1. OFFER NOT AVAILABLE ON EXISTING CAMPUS LOANS. OFFER IS FOR NEW LOANS ONLY. MAY NOT BE COMBINED WITH ANY OTHER OFFER. Subject to credit and property approval. Your rate may be higher based on your credit worthiness and property valuation. Higher rates apply to non-owner occupied properties. Offer excludes mobile homes. Property insurance is required; an appraisal, flood and/or title insurance may be required at an additional expense to the borrower. If loan is paid in full within first 24 months, closing costs paid by CAMPUS USA Credit Union will be added to the loan payoff amount.

 

Unsecured Back to the Top
Personal/Healthy Loan
Term APR*as low as
Up to 60 months 8.2%
Payment Example: A $10,000 loan with no money down at 7.8% for 60 months would require 59 monthly payments of $204.64 and a final payment of $198.55, finance charge of $2,236.61, for a total of payments of $12,272.31. The amount financed is $10,035.70, the APR is 8.2%. APR = Annual Percentage Rate.

 

 

Savings Back to the Top
Savings DividendRate (%) APY* (%)
$5.00 – $99.99 0.00 0.00
$100.00 – $1,999.99 0.00 0.00
$2,000.00- $24,999.99 0.05 0.05
$25,000.00- $49,999.99 0.10 0.10
$50,000.00- $74,999.99 0.20 0.20
$75,000.00 + 0.25 0.25
IRA Savings 0.25 0.25
Checking 0.00 0.00
Money Market Checking DividendRate (%) APY* (%)
$0- $9,999 0.00 0.00
$10,000- $49,999 0.10 0.10
$50,000 – $99,999 0.20 0.20
$100,000 – $199,999 0.30 0.30
$200,000 – $299,999 0.40 0.40
$300,000 – $499,999.99 0.50 0.50
$500,000 – AND OVER 0.65 0.65
CAMPUS Kidz 0.30 0.30
Vacation/Holiday Club 0.10 0.10
*APY=Annual Percentage Yield

Rates effective 03/01/15 – 03/31/15

 

 

Certificate of Deposit Back to the Top
Term Deposit DividendRate (%) APY* (%)
91 day $2,000 – $24,999 0.01 0.01
91 day $25,000 – $49,999 0.06 0.06
91 day $50,000 – $74,999 0.16 0.16
91 day $75,000 – $99,999 0.26 0.26
182 day $2,000 – $24,999 0.05 0.05
182 day $25,000 – $49,999 0.10 0.10
182 day $50,000 – $74,999 0.20 0.20
182 day $75,000 – $99,999 0.30 0.30
9 month $2,000 – $24,999 0.05 0.05
9 month $25,000 – $49,999 0.10 0.10
9 month $50,000 – $74,999 0.20 0.20
9 month $75,000 – $99,999 0.30 0.30
1 year $2,000 – $24,999 0.10 0.10
1 year $25,000 – $49,999 0.15 0.15
1 year $50,000 – $74,999 0.25 0.25
1 year $75,000 – $99,999 0.35 0.35
18 month $2,000 – $24,999 0.20 0.20
18 month $25,000 – $49,999 0.25 0.25
18 month $50,000 – $74,999 0.35 0.35
18 month $75,000 – $99,999 0.45 0.45
2 year $2,000 – $24,999 0.35 0.35
2 year $25,000 – $49,999 0.40 0.40
2 year $50,000 – $74,999 0.50 0.50
2 year $75,000 – $99,999 0.60 0.60
3 year $2,000 – $24,999 0.45 0.45
3 year $25,000 – $49,999 0.50 0.50
3 year $50,000 – $74,999 0.60 0.60
3 year $75,000 – $99,999 0.70 0.70
*APY = Annual Percentage Yield

Rates effective 03/01/15 – 03/31/15. Savings, Money Market, IRA Savings, Checking and Vacation/Holiday Club accounts are variable rate accounts and are subject to change after the account is opened. Call 800-367-6440 for further information about applicable fees, terms and to obtain current rate information.

Your CAMPUS USA Credit Union accounts are federally insured by the National Credit Union Administration, a U.S. Government Agency, up to $250,000 and privately up to $250,000 by Excess Share Insurance, a subsidiary of American Share Insurance, the nation’s largest private deposit insurer for credit unions. This is the highest combination of federal and private insurance available, up to $500,000.Click here for more details.