Our Mission: To improve our members' financial well-being.

Rates are subject to change. Call 1-800-367-5026 for the most up-to-date information. Loan and Deposit Rates are effective as of 1/20/2015. The Annual Percentage Yield is accurate as of the last dividend declaration date.


Dividend RatesMy Carter Rewards Checking • BASIC CheckingGOLD CheckingBusiness Checking • Health Savings Account • Christmas ClubShare/Savings Accounts • Young Savers IRA Savings Regular Savings Money MaxShare Certificate/IRA Share CertificateLoan Rates

Auto Loans Rates

Rates As Low As

Up to 36 months

1.64% APR

37 to 60 months 1.89% APR
61 to 72 months 2.14% APR
GM Discounts

*APR=Annual Percentage Rate. Rates are subject to change without notice. Each application is evaluated on an individual basis. Loan advances are granted based upon the applicant(s) credit history, ability to repay, purpose, stability and collateral. Loan advances are not granted based upon method of repayment APR=Annual Percentage Rate as low as 1.64% APR is for terms up to 36 months and includes the following discounts: (1)0.25% for current deposit account with direct deposit and auto transfer, (2) 0.25% for 5 point relationship (active checking account and active debit card, direct deposit, monthly electronic withdrawal and total aggregate balance of shares and loans $10,000 or greater (3)0.30% Involuntary Unemployment & Family Medical Leave of Absence, Life & Disability, (4) 0.20% Mechanical Breakdown (5).05% Guaranteed Asset Protection, (6) .05% Multi-shield Protection. Not valid with any other offers. Stated rates reflect all available discounts. Not valid with any other offers. For qualified borrowers. Credit restrictions apply. For every $1,000 financed for 36 months, the payment would be $28.49 at 1.64% APR. Membership and approved credit required. Actual rate may vary based on credit worthiness and other Carter Federal underwriting guidelines.

Carter Auto Loan Discount Package

Loan Discounts

Mechanical Breakdown


GAP (Guaranteed Asset Protection) 0.05%
Multi-Shield Protection 0.05%
Life/Dis/IU/FMLA 0.30%
Life/Dis/IU 0.30%
Life & Disability 0.20%
Life 0.10%
Life/IU 0.20%

Dividend Rates

Dividend Rate
Annual Percentage Yield
My Carter Rewards Checking
Reward rate on balances up to $10,000 2.47% Earn 2.50% APY
Reward Rate on balances above $10,000 0.51% Earn .0.51% APY
BASIC Checking
FREE VISA Check Card available - the VISA Card that works like a check. There is a $5.00 monthly service charge if balance falls below $500.
Non-Interest Bearing
GOLD Checking
Enjoy 2 boxes of free basic checks per calendar year and can avoid an $8 monthly service charge by maintaining a balance of $1,500. And IF, the member is 55+ the monthly service fee is waived!
Balance of $1,500 to $2,499.99
0.150% APY
Balance of $2,500 to $4,999.99
0.250% APY
Balance of $5,000 or greater 0.350% 0.351% APY
$0 - and up 0.00% 0.00% APY
Health Savings
$0 - and up 2.00% 2.02% APY
Young Savers
$0 - and up
0.50% APY
IRA Savings
$0 - and up 0.50% 0.50% APY
Regular Savings
$0 - and up 0.25% 0.25% APY
Money Max
3 withdrawals (checks or transfers) per month. There is an $8.00 monthly service charge if there are more than 3 withdrawals per month or balance drops below $2,500.
Balance of 0 to $499.99 0.00% 0.00% APY
Balance of $500 to $2,499 0.30% 0.30% APY
Balance of $2,500 to $9,999 0.35% 0.35% APY
Balance of $10,000 to $49,999.99 0.40% 0.40% APY
Balance of $50,000 or greater 0.450% 0.451% APY
Share Certificate / IRA Share Certificate
Minimum deposit is $1000.00.
Share Certificates
Term Dividend Rate APY
6 months 0.60% 0.60%
12 months 0.70% 0.70%
24 months 1.00% 1.01%
36 months 1.25% 1.26%
48 months 1.50% 1.51%
60 months 1.75% 1.76%

Maturities of 36 months and longer receive an additional 10 basis points for three (3) or more relationships. APY (Annual Percentage Yield) shows the effect of compounding. Share Certificate With Relationships. (Applies to members with three or more additional account relationships.) Penalties will or may be imposed for early withdrawals.

Also, the dividend rates/yields for members with three (3) or more relationships will be as follows:
Basic with Relationship
36 months 1.35% 1.36%
48 months 1.60% 1.61%
60 months 1.85% 1.87%

Loan Rates

Product Type
Annual Percentage Rate
Variable (U.S. Treasury
Rate + Margin)
1.00% origination fee 5.00% APR
Fixed     No origination fee 5.38% APR
Home Equity Line of Credit VARIABLE available up to 15 years as low as 3.25% APR
Home Equity Line of Credit FIXED available up to 10 years as low as 5.25% APR
New & Used Vehicles Flexible Terms Available as low as 1.64% APR
New & Used Boats or Personal Watercraft Flexible Terms Available as low as 4.99% APR
New & Used Motorcycles or 4-Wheeler Flexible Terms Available as low as 4.99% APR
New & Used Motor Homes or Travel Trailers Flexible Terms Available as low as 4.99% APR
New & Used Campers Flexible Terms Available as low as 4.99% APR
New & Used Agricultural Equipment Terms vary as low as 4.99% APR
VISA/MasterCard Platinum Introductory Rate - 2.99% APR for 6 Months/Qualified APR effective after Introductory period expires. Minimum Payment - 3% APR or $25.00 whichever is greater 8.80% to 17.80 APR*
*APR=Annual Percentage Rate
Personal Loan Up to 4 years to pay as low as 7.99% APR
Line of Credit Variable rate personal loan with generous limits and easy access. Up to 5 years to pay Variable rate
(subject to change quarterly)
Share Loan Terms may vary Variable rate=2% above highest dividend with a floor of 4.95% APR
Certificate Loan Terms may vary Rate is equal to 2% above highest certificate dividend rate

You can earn a 0.25% discount on most of these rates by signing up for Direct Deposit (having your pay check directly deposited into your CFCU savings or checking account). Call (800) 367-5026 for complete details. All quoted terms and rates are subject to approval, and offered to qualified members and potential members only. Terms and rates will vary, depending on collateral and creditworthiness. Possible applicable fees could reduce earnings on this account.

All Rates are subject to change daily - call for most current rates.

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Toll free Number: (800) 367-5026
Routing Number: 311175983

We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.