CAMPUS Rates

Effective 12/1/16 – 12/31/16

Check out our great rates on deposit and loan products.

Auto

Model/Year Term APR* as low as
2015-2017 Up to 60 months 2.19%
2013-2014 Up to 60 months 2.60%

Contact us for additional rates and terms.

Payment Example for 2015-2017: A $35,000.00 loan with no money down at 2.19% for 60 months would require 59 monthly payments of $620.62 and a final payment of $601.04, finance charge of $2094.07, for a total of payments of $37,217.62. The amount financed is $35123.55, the APR is 2.19%.

Payment Example for 2013-2014: A $25,000 loan with no money down at 2.44% for 60 months would require 59 monthly payments of $446.56 and a final payment of $433.12, finance charge of $1,691.96, for a total of payments of $26,780.16. The amount financed is $25,088.20, the APR is 2.60%.

*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

Model/Year Term APR* as low as
2014-2017 Up to 48 months 5.33%
2014-2017 Up to 60 months 5.57%

Contact us for additional rates and terms.

Payment Example for 2014-2017 - 48mo: A $15,000 loan with no money down at 4.99% for 48 months would require 47 monthly payments of $349.06 and a final payment of $341.37, finance charge of $1,693.99, for a total of payments of $16,747.19. The amount financed is $15,053.20, the APR is 5.33%.

Payment Example for 2014-2017 - 60mo: A $15,000 loan with no money down at 5.29% for 60 months would require 59 monthly payments of $288.10 and a final payment of $281.24, finance charge of $2,225.94 , for a total of payments of $17,279.14. The amount financed is $15,053.20, the APR is 5.57%.

*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, model year, and term of loan. APR = Annual Percentage Rate. Contact us for other rates and terms.

Boats, Campers, RVs, etc

Term APR* as low as
Up to 84 months As low as 4.61%

Contact us for additional rates and terms.

Payment Example for Boats, Campers, RVs, etc: 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

Model/Year Term APR* as low as
2014-2017 Up to 36 months 6.82%
2014-2017 Up to 60 months 6.34%

Contact us for additional rates and terms.

Payment Example for 2014-2017 - 36mo: A $7,500 loan with no money down at 5.49% for 36 months would require 35 monthly payments of $230.36 and a final payment of $227.17, finance charge of $762.82, for a total of payments of $8,289.77. The amount financed is $5,018.20, the APR is 6.38%.

Payment Example for 2014-2017 - 60mo: A $7,500 loan with no money down at 5.79% for 60 months would require 59 monthly payments of $146.78 and a final payment of $142.54, finance charge of $1,275.61, for a total of payments of $8,802.56. The amount financed is $7,526.95, the APR is 6.34%.

*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, 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

Term APR* as low as
1-6 year; 90% LTV or less 4.99%
7-8 year; 80% LTV or less 5.10%
9-12 year; 80% LTV or less 5.32%
13-15 year; 80% LTV or less 5.56%

Contact us for additional rates and terms.

Payment Example for 1-6 year; 90% LTV or less: 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.

Payment Example for 7-8 year; 80% LTV or less: 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.

Payment Example for 9-12 year; 80% LTV or less: 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.

Payment Example for 13-15 year; 80% LTV or less: 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.

Home Equity Line of Credit

Type Rates as low as
70% LTV or less 4.25% APR

Contact us for additional rates and terms.

*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 4.25%. 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 APR * Points Payment
15 year 3.5% 3.636% 0.000% $1,143.82
30 year 4.25% 4.329% 0.000% $787.11

Contact us for additional rates and terms.

Payment Example for 15 year: A $200,000 purchase with a $40,000 down payment at 3.5% for 180 months would require 179 monthly payments of $1,143.82 and a final payment of $1,141.93, total finance charge of $47,524.13; for a total of payments of $206,039.13. The amount financed is $158,515; the APR is 3.636%. APR = Annual Percentage Rate.

Payment Example for 30 year: A $200,000 purchase with a $40,000 down payment at 4.25% for 360 months would require 359 monthly payments of $787.11 and a final payment of $782.76, total finance charge of $125,026.55; for a total of payments of $283541.55. The amount financed is $158,515.00; the APR is 4.329%. APR = Annual Percentage Rate.

Unsecured Personal Loans

Term APR* as low as
Up to 60 months 7.2%

Contact us for additional rates and terms.

Payment Example for Up to 60 months: A $10,000 loan with no money down at 6.8% for 60 months would require 59 monthly payments of $199.86 and a final payment of $193.97, finance charge of $1,950.01, for a total of payments of $11,985.71. The amount financed is $10,035.70, the APR is 7.2%. APR = Annual Percentage Rate.

Savings

Amount Dividend Rate (%) 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%

Contact us for additional rates and terms.

*APY=Annual Percentage Yield

Deposit Accounts

Type Dividend Rate (%) APY * (%)
CAMPUS Kidz 0.30 0.30
Vacation/Holiday Club 0.10 0.10
IRA Savings 0.25 0.25

Contact us for additional rates and terms.

*APY=Annual Percentage Yield

Money Market Checking

Amount Dividend Rate (%) 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

Contact us for additional rates and terms.

*APY=Annual Percentage Yield

Certificate of Deposit

Term Deposit Dividend Rate (%) 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

Contact us for additional rates and terms.

*APY = Annual Percentage Yield

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.


All rates subject to change without notice. Call 800-367-6440 and press 4 for further information about applicable fees and terms, and to obtain current rate information.

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