RATES

Personal

Last Dividend Declaration Date: November 1, 2020

Share Savings

Dividend RateAnnual Percentage Yield (APY)Minimum Opening DepositMinimum Balance to Earn the Stated APY
0.100.10$5.00$5.00

Share Certificate

Minimum Opening Deposit: $1,000.00 - $500.00 age 25 and under
TermDividend RateAnnual Percentage Yield (APY)
6 Month0.500.50
1 Year0.850.85
18 Month1.001.00
2 Year0.850.85
3 Year0.950.95
5 Year1.101.11

IRA Savings

Dividend RateAnnual Percentage Yield (APY)Dividend PeriodMinimum Opening DepositMinimum Balance to Avoid a Service FeeMinimum Balance to Earn the Stated APY
0.300.30$25.00-$25.00-

IRA Certificate Account

Minimum Opening Deposit: $250.00
TermDividend RateAnnual Percentage Yield (APY)
6 Month0.550.55
1 Year0.900.90
18 Month1.051.06
2 Year0.900.90
3 Year1.001.00
5 Year1.151.16

Dividend RateAnnual Percentage Yield (APY)Minimum Opening DepositMinimum Balance to Earn the Stated APY
0.100.10$5.00$5.00

Dividend RateAnnual Percentage Yield (APY)Minimum Opening DepositMinimum Balance to Avoid a Service FeeMinimum Balance to Earn the Stated APY
0.100.10$25.00$25.00$25.00

 Dividend Rate/ Annual Percentage Yield (APY)Dividend PeriodMinimum Opening DepositMinimum Balance to Avoid a Service FeeMinimum Balance to Earn the Stated APYBalance Method to Calculate Dividends
$2,500.00 to $9,999.990.30/0.30Monthly (Calendar)$2,500.00$2,500.00$2,500.00Average Daily Balance
$10,000.00 to $24,999.990.35/0.35Monthly (Calendar)$2,500.00$2,500.00$2,500.00Average Daily Balance
$25,000.00 to $49,999.990.40/0.40Monthly (Calendar)$2,500.00$2,500.00$2,500.00Average Daily Balance
$50,000.00 to $99,999.990.50/0.50Monthly (Calendar)$2,500.00$2,500.00$2,500.00Average Daily Balance
$100,000.00 and above0.60/0.60Monthly (Calendar)$2,500.00$2,500.00$2,500.00Average Daily Balance

Last Dividend Declaration Date: November 1, 2020

Classic Checking

Dividend RateAnnual Percentage Yield (APY)Minimum Opening Deposit
0.000.00$50.00

Rewards Checking

 Dividend RateAnnual Percentage Yield (APY)Minimum Opening DepositMinimum Balance to Earn the Stated APY
Qualifications met1
(Balance ≤10,000.00)
3.203.25$50.00-
Qualifications met1
(Balance ≥10,000.01)
0.100.10$50.00-
Qualifications not met10.050.05$50.00-

Loan Rates Effective as of November 1, 2020

Members may receive a 0.25% rate reduction off qualifying rate if you utilize two of the following three products/services:

E-Statements ● Checking Account ● Automatic Transfer for loan payments

TermsAPR*LimitsMonthly Payment per $1,000 Borrowed
36 Months6.20% - 13.20%Up to $10,000**$30.52 - $33.80
** Maximum personal loan amount is determined by credit score grade.

New Auto Loans ***

TermsAPR*LimitsMonthly Payment per $1,000 Borrowed
Up to 36 Months2.75 - 7.75%$28.98 - $31.23
Up to 48 Months3.00 - 8.00%$22.14 - $24.42
Up to 60 Months3.25 - 8.25%Maximum term for loans up to $15,000 is 60 months$18.09 - $20.40
Up to 72 Months3.50 - 8.50%Loan amount is $15,001 or greater$15.42 - $17.79
Up to 84 Months3.75 - 8.75%Loan amount is $30,001 or greater$13.56 - $15.97

Used Auto Loans ***

TermsAPR*LimitsMonthly Payment per $1,000 Borrowed
Up to 24 Months2.75 - 7.75%Maximum term for loans up to $5,000 is 24 months.$42.88 - $45.12
Up to 36 Months3.25 - 8.25%Maximum term for loans up to $7,000 is 36 months.$29.20 - $31.46
Up to 48 Months3.50 - 8.50%Loan amount is $7,001 or greater$22.36 - $24.66
Up to 60 Months3.75 - 8.75%Loan amount is $14,001 or greater$18.31 - $20.64
Up to 72 Months4.00 - 9.00%Loan amount is $25,001 or greater$15.65 - $18.03
*** CSE considers vehicles "new" when the vehicle is a current or previous year model and has under 40,000 miles on it. Vehicles that meet this requirement may be financed at the new auto rates. CSE considers vehicles "used" when a vehicle has over 40,000 miles on it. Vehicles will be financed at the used vehicle rate.

New Boat Motor & Trailer

TermsAPR*LimitsMonthly Payment per $1,000 Borrowed
Up to 48 Months5.25 - 10.25%Maximum term for loans up to $10,000 is 48 months.$23.15 - $25.49
Up to 60 Months5.50 - 10.50%Loan amount is $10,001 or greater$19.11 - $21.50
Up to 84 Months6.00 - 11.00%Loan amount is $20,001 or greater$14.62 - $17.13
Up to 120 Months7.00 - 12.00%Loan amount is $30,001 or greater$11.62 - $14.36

Used Boat Motor & Trailer

TermsAPR*LimitsMonthly Payment per $1,000 Borrowed
Up to 36 Months5.75 - 10.75%Maximum term for loans up to $7,000 is 36 months.$30.32 - $32.63
Up to 48 Months6.25 - 11.25%Loan amount is $7,001 or greater$23.61 - $25.98
Up to 60 Months6.50 - 11.50%Loan amount is $10,001 or greater$19.57 - $22.00
Up to 72 Months6.75 - 11.75%Loan amount is $20,001 or greater$16.94 - $19.43

New Motorcycles

TermsAPR*LimitsMonthly Payment per $1,000 Borrowed
Up to 36 Months4.75 - 9.75%Maximum term for loans up to $7,000 is 36 months.$29.86 – $32.16
Up to 48 Months5.25 - 10.25%Loan amount is $7,001 or greater$23.15 – $25.49
Up to 60 Months5.50 - 10.50%Loan amount is $10,001 or greater$19.11 – $21.50
Up to 72 Months6.00 - 11.00%Loan amount is $25,001 or greater$16.58 – $19.04

Used Motorcycles

TermsAPR*LimitsMonthly Payment per $1,000 Borrowed
Up to 36 Months5.75 - 10.75%Maximum term for loans up to $7,000 is 36 months.$30.32 – $32.63
Up to 48 Months6.25 - 11.25%Loan amount is $7,001 or greater$23.61 – $25.98
Up to 60 Months6.50 - 11.50%Loan amount is $10,001 or greater$19.57 – $22.00

New Off Road Vehicles

TermsAPR*LimitsMonthly Payment per $1,000 Borrowed
Up to 36 Months4.50 - 9.50%Maximum term for loans up to $5,000 is 36 months.$29.75 – $32.04
Up to 48 Months4.75 - 9.75%Loan amount is $5,001 or greater$22.92 – $25.05
Up to 60 Months5.00 - 10.00%Loan amount is $10,001 or greater$18.88– $21.25

Used Off Road Vehicles

TermsAPR*LimitsMonthly Payment per $1,000 Borrowed
Up to 36 Months5.50 - 10.50%Maximum term for loans up to $5,000 is 36 months.$30.20– $32.51
Up to 48 Months5.75 - 10.75%Loan amount is over $5,000$23.38 – $25.73
Up to 60 Months6.00 - 11.00%Loan amount is over $10,000$19.34 – $21.75

New Recreational Vehicles

TermsAPR*LimitsMonthly Payment per $1,000 Borrowed
Up to 84 Months6.00 - 11.00%Maximum term for loans up to $20,000 is 84 months.$14.62 - $17.13
Up to 108 Months6.50 - 11.50%Loan amount is $20,001 or greater$12.26 - $14.91
Up to 120 Months7.00 - 12.00%Loan amount is $30,001 or greater$11.62 - $14.36
Up to 144 Months7.50 - 12.50%Loan amount is $40,001 or greater$10.56 - $13.45

Used Recreational Vehicles

TermsAPR*LimitsMonthly Payment per $1,000 Borrowed
Up to 84 Months6.75 - 11.75%Maximum term for loans up to $30,000 is 84 months.$14.98 - $17.53
Up to 108 Months7.25 - 12.25%Loan amount is $30,001 or greater$12.64 - $14.50
Up to 120 Months7.75 - 12.75%Loan amount is $40,001 or greater$12.01 - $14.79
Up to 144 Months8.25 - 13.25%Loan amount is $50,001 or greater$11.56 - $14.44

New Garden & Lawn Equipment

TermsAPR*LimitsMonthly Payment per $1,000 Borrowed
Up to 36 Months4.00%Maximum term for loans up to $5,000 is 36 months.$29.53
Up to 48 Months6.50%Loan amount is over $5,000$23.72
Up to 84 Months6.50%Loan amount is over $10,000$14.78

New Household Appliances

TermsAPR*LimitsMonthly Payment per $1,000 Borrowed
Up to 36 Months6.00%-$30.43

New Utility Trailers

TermsAPR*LimitsMonthly Payment per $1,000 Borrowed
Up to 36 Months5.00%Maximum term for loans up to $5,000 is 36 months.$29.98
Up to 48 Months6.00%Loan amount is over $5,000$23.49
Up to 84 Months6.00%Loan amount is over $10,000$14.61

Used Utility Trailers

TermsAPR*LimitsMonthly Payment per $1,000 Borrowed
Up to 36 Months7.00%Maximum term for loans up to $5,000 is 36 months.$30.88
Up to 48 Months7.00%Loan amount is over $5,000$23.95
Up to 84 Months7.00%Loan amount is over $10,000$15.10

New Tractors

TermsAPR*LimitsMonthly Payment per $1,000 Borrowed
Up to 60 Months5.00%Loan amount is over $10,000$18.87
Up to 84 Months5.00%Loan amount is over $15,000$14.14
Up to 120 Months5.00%Loan amount is over $25,000$10.61

HELOC Variable Rate – Range 4.03% to 18.00% APR (Annual Percentage Rate)

Membership and eligibility required. Subject to credit approval. NMLS #410998. Click HERE to view full HELOC Rate Disclosures.

Please call CSE Mortgage Services at 337.477.2000 for current rates and information.

Click HERE to view full Disclosures.

*APR refers to Annual Percentage Rate. Rates, terms and conditions are subject to change without notice. APR and Terms are determined by the applicants credit score and amount borrowed. Terms and maximum loan amount are determined by Board Policy. Dealer discounts and manufacturer’s rebates are not applied toward the down payment requirements. Membership and eligibility required. Equal Housing Lender. NMLS #410998

Business

Last Dividend Declaration Date: November 1, 2020

Dividend RateAnnual Percentage Yield (APY)Minimum Opening DepositMinimum Balance to Earn the Stated APYAccount Limitations6
0.100.10$5.00$5.00Account transfer limitations apply

Last Dividend Declaration Date: November 1, 2020

Dividend RateAnnual Percentage Yield (APY)Minimum Opening DepositAccount Limitations
0.000.00$100.00-

Click HERE to view full Disclosures.

 

For Member Business Lending rates and information, please call 377.477.2000 to speak with a representative today.