Rates at cPort Credit Union
Savings Rates
Savings Accounts
Savings Accounts
Effective as of January 1, 2025| Account Type | Dividend Rates | APY* |
|---|---|---|
| Savings Account+ | 0.35% | 0.35% |
| Club Account++ | 0.35% | 0.35% |
| College Club Account+++ | 0.45% | 0.45% |
| Health Savings Account | 0.65% | 0.65% |
| IRA++++ | 0.65% | 0.65% |
| Money Market Account+++++ | 2.25% | 2.27% |
| *APY = Annual Percentage Yield. Fees could reduce earnings on any account. Rates subject to change without notice.+$5 minimum to open Share Account. $100 minimum balance required to earn dividends. ++No minimum balance to open Club Account. $100 minimum balance required to earn dividends. +++No minimum balance to open College Club Account. No minimum balance required to earn dividends. College Club Account is for members ages 25 and under. ++++$100 minimum to open Share IRA. $100 minimum balance required to earn dividends. $500 minimum balance on certificates. +++++No minimum balance to open Money Market Account. $2,500 minimum balance required to earn dividends. | ||
Money Market Plus Account
Money Market Plus Account
Effective as of January 1, 2025| Balance Tiers | Dividend Rates | APY |
|---|---|---|
| < $25,000 | 2.25% | 2.27% APY |
| $25,000- < $50,000 | 2.35% | 2.38% APY |
| $50,000 - < $75,000 | 2.45% | 2.48% APY |
| $75,000 - < $100,000 | 2.55% | 2.58% APY |
| $100,000- < $250,000 | 2.65% | 2.68% APY |
| $250,000+ | 2.75% | 2.78% APY |
| APY = Annual Percentage Yield. Rates subject to change without notice. $25,000 minimum balance to open. Transaction limits apply. $2,500 minimum average monthly balance to earn dividends. Fees could reduce earnings on any account. | ||
Share Certificates
Share Certificates
Effective as of January 1, 2025.| Term | Dividend rates | APY | Classic Account Dividend Rates | Classic Account APY |
|---|---|---|---|---|
| 3 Month Special | 4.00% | 4.07% APY | 4.10% | 4.18% APY |
| 6 Month Special | 3.75% | 3.82% APY | 3.85% | 3.92% APY |
| 9 Months | 2.70% | 2.73% APY | 2.80% | 2.84% APY |
| 12 Months | 2.80% | 2.84% APY | 2.90% | 2.94% APY |
| 18 Months | 2.85% | 2.89% APY | 2.95% | 2.99% APY |
| 24 Months | 2.90% | 2.94% APY | 3.00% | 3.04% APY |
| 30 Months | 2.95% | 2.99% APY | 3.05% | 3.09% APY |
| 36 Months | 3.00% | 3.04% APY | 3.10% | 3.14% APY |
| 48 Months | 3.10% | 3.14% APY | 3.20% | 3.25% APY |
| 60 Months | 3.20% | 3.25% APY | 3.30% | 3.35% APY |
| APY = Annual Percentage Yield. $500 minimum balance required to open. Certificates carry a penalty for early withdrawal. Fees could reduce earnings on any account. IRA eligible. | ||||
Bump Certificates
Bump Rate Certificates
Effective as of January 1, 2025| Term | Dividend rates | APY | Classic Account Dividend Rates | Classic Account APY |
|---|---|---|---|---|
| 24 Months | 2.80% | 2.84% APY | 2.90% | 2.94% APY |
| 36 Months | 2.90% | 2.94% APY | 3.00% | 3.04% APY |
| 48 Months | 3.00% | 3.04% APY | 3.10% | 3.14% APY |
| 60 Months | 3.10% | 3.14% APY | 3.20% | 3.25% APY |
| APY = Annual Percentage Yield. $500 minimum balance required to open. Certificates carry a penalty for early withdrawal. Fees could reduce earnings on any account. IRA eligible. | ||||
Liquid Certificates
Liquid Certificates
Effective as of January 1, 2025| Term | Dividend Rates | APY | Classic Account Dividend Rates | Classic Account APY |
|---|---|---|---|---|
| 12 Months | 2.75% | 2.78% APY | 2.85% | 2.89% APY |
| 18 Months | 2.80% | 2.84% APY | 2.90% | 2.94% APY |
| APY = Annual Percentage Yield. Certificates carry a penalty for early withdrawal. Fees could reduce earnings on any account. $5,000 minimum balance required to open Liquid Certificates. Includes one penalty-free withdrawal per quarter. | ||||
Save Up Certificates
Save Up Certificates
Effective as of January 1, 2025| Term | Dividend Rates | APY | Classic Account Dividend Rates | Classic Account APY |
|---|---|---|---|---|
| 12 Months | 2.70% | 2.73% APY | 2.80% | 2.84% APY |
| 24 Months | 2.80% | 2.84% APY | 2.90% | 2.94% APY |
| APY = Annual Percentage Yield. Penalty applies for early withdrawal. Fees could reduce earnings on any account. $100 minimum to open. IRA eligible. |
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Loan Rates
Auto Loans
Auto Loans
Effective as of January 1, 2025| Loan Type | Term | As Low As |
|---|---|---|
| New & Used Auto Loans | Up to 36 Months | 4.99% APR |
| Up to 48 Months | 5.50% APR |
|
| Up to 60 Months | 5.99% APR |
|
| Up to 72 Months | 6.25% APR |
|
| Up to 84 Months | 6.25% APR | |
| APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Vehicle age will determine the maximum loan term permitted by our policies. | ||
Motorcycles, ATVs, Jet Skis, Snowmobiles, and Other Secured Loans
Motorcycles, ATVs, Jet Skis, Snowmobiles, and Other Secured Loans
Effective as of January 1, 2025| Term | As Low As |
|---|---|
| Up to 36 Months | 6.75% APR |
| Up to 48 Months | 7.25% APR |
| Up to 60 Months | 7.75% APR |
| Up to 72 Months | 8.25% APR |
| Up to 84 Months | 8.50% APR |
| APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Vehicle age will determine the maximum loan term permitted by our policies. *Term limits may apply depending on the year of the vehicle. | |
Boat, RV, & Tractor Loans
Boat, RV, and Tractor Loans
Effective as of January 1, 2025| Term | As Low As |
|---|---|
| Up to 36 Months | 6.75% APR |
| Up to 48 Months | 7.25% APR |
| Up to 60 Months | 7.75% APR |
| Up to 72 Months | 8.25% APR |
| Up to 84 Months* | 8.50% APR |
| Up to 120 Months* | 9.00% APR |
| APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Vehicle age will determine the maximum loan term permitted by our policies. * Term limits may apply depending on year of vehicle. |
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Indus Fund Loans
Indus Fund Loan
Effective as of January 1, 2025| Term | As Low As |
|---|---|
| Up to 5 Year Fixed Rate | 3.50% APR |
| *APR = Annual Percentage Rate. Loan amount can be between $500 - $10,000. | |
Other Secured Loans
Other Secured Loans
Effective as of January 1, 2025| Loan Type | Term | As Low As |
|---|---|---|
| Savings or Certificate Secured Loan | Up to 60 Months at Certificate Rate Plus 3% | call for rates |
Personal Loan Rates
Personal & Debt Consolidation Loans
Personal Loans & Debt Consolidation Loans
Effective as of January 1, 2025| Term | As Low As |
|---|---|
| Up to 12 Months | 7.99% APR |
| Up to 24 Months | 8.50% APR |
| Up to 36 Months | 9.99% APR |
| Up to 48 Months | 10.50% APR |
| Up to 60 Months | 10.99% APR |
| APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000. | |
Lines of Credit
Lines of Credit
Effective as of January 1, 2025| Loan Type | Maximum Line | As Low As |
|---|---|---|
| Overdraft Protection Lines of Credit* | $5,000 | 15.00% APR |
| Credit Builder Lines of Credit** | $1,000 | 9.99% APR |
| Personal Lines of Credit** | $10,000 | 9.99% APR |
| APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. * Line available for qualified borrowers up to $5,000. Rate is variable and based on Prime +7%. Maximum Rate 18%. ** Rates are fixed for the life of the loan. |
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Energy Loans
Energy Loans
Effective as of January 1, 2025| Term | As Low As |
|---|---|
| Up to 12 Months | 6.99% APR |
| Up to 24 Months | 7.50% APR |
| Up to 36 Months | 8.99% APR |
| Up to 48 Months | 9.50% APR |
| Up to 60 Months | 9.99% APR |
| *APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier. | |
Sustainability Loans
Sustainability Loans
Effective as of January 1, 2025| Term | As Low As |
|---|---|
| Up to 12 Months | 6.99% APR |
| Up to 24 Months | 7.50% APR |
| Up to 36 Months | 8.99% APR |
| Up to 48 Months | 9.50% APR |
| Up to 60 Months | 9.99% APR |
| *APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Loan funds will be paid directly to supplier. | |
Citizenship Loan
Citizenship Loans
Effective as of January 1, 2025| Term | As Low As |
|---|---|
| Up to 12 Months | 6.99% APR |
| Up to 24 Months | 7.50% APR |
| Up to 36 Months | 8.99% APR |
| Up to 48 Months | 9.50% APR |
| Up to 60 Months | 9.99% APR |
| APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000. | |
Career Training Certificate Loans
Career Training Certificate Loans
Effective as of January 1, 2025| Term | As Low As |
|---|---|
| Up to 12 Months | 5.99% APR |
| Up to 24 Months | 6.50% APR |
| Up to 36 Months | 7.99% APR |
| Up to 48 Months | 8.50% APR |
| Up to 60 Months | 8.99% APR |
| APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000. | |
Family Loans
Family Loans
Effective as of January 1, 2025| Term | As Low As |
|---|---|
| Up to 12 Months | 7.99% APR |
| Up to 24 Months | 8.50% APR |
| Up to 36 Months | 9.99% APR |
| Up to 48 Months | 10.50% APR |
| Up to 60 Months | 10.99% APR |
| APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000. | |
Wedding Loans
Wedding Loans
Effective as of January 1, 2025| Term | As Low As |
|---|---|
| Up to 12 Months | 7.99% APR |
| Up to 24 Months | 8.50% APR |
| Up to 36 Months | 9.99% APR |
| Up to 48 Months | 10.50% APR |
| Up to 60 Months | 10.99% APR |
| APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000. | |
Holiday Loans
Holiday Loans
Promo ends January 31st, 2025.| Term | As Low As |
|---|---|
| Up to 12 Months | 6.99% APR* |
| * “APR” means Annual Percentage Rate. Your rate will be determined by your creditworthiness. 12 monthly payments of $86.52 per $1,000 borrowed at the As Low As rate and maximum term. Membership eligibility to join cPort is required. | |
Home Loan Rates
Adjustable Rate Mortgages (ARMs)
Adjustable Rate Mortgages (ARMs)
Effective as of January 1, 2025.| Type of Adjustable Rate Mortgage | As Low As |
|---|---|
| Fixed Rate - First 3 years | 7.00% APR |
| Fixed Rate - First 5 years | 7.25% APR |
| Fixed Rate - First 7 years | 7.50% APR |
| APR = Annual Percentage Rate. Rates are adjusted quarterly after initial fixed rate period based on the Prime Rate +/- a margin. Stated rates reflect first mortgage lien position. Maximum rate is 18%. Maximum term is 30 years. Second position ARMs also available with maximum term of 15 years. Add .25% APR for second position. | |
Home Equity Loans
Home Equity Loans
Effective as of January 1, 2025.| Fixed Rate Products | As Low As |
|---|---|
| Up to 5 years | 6.00% APR |
| Up to 10 years | 6.25% APR |
| Up to 15 years | 6.50% APR |
| APR = Annual Percentage Rate. Rates are fixed for the life of the loan. Stated rate is based on certain creditworthiness criteria. Maximum rate is 18%. Add 0.25% APR for second position. | |
Home Equity Lines of Credit
Home Equity Lines of Credit
Effective as of January 1, 2025| Type of Home Equity Line of Credit | As Low As |
|---|---|
| Open-End Variable Rate | 7.75% APR |
| Interest Only | 7.75% APR |
| 3-Year Fixed Rate, Interest Only | 7.75% APR |
| APR = Annual Percentage Rate. Rate adjusted quarterly based on Prime Rate +/- a margin and based on first mortgage lien position. Stated rate is based on certain creditworthiness criteria. Maximum rate is 18%. Add 0.25% APR for second position. | |
Land Loans
Land Loans
Effective as of January 1, 2025| Loan Type | Term | As Low As |
|---|---|---|
| Land Loans* | Up to 5 Years | 7.00% APR |
| Up to 10 Years | 7.50% APR |
|
| Up to 15 Years | 7.75% APR | |
| APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. * Rates are fixed for the life of the loan. |
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