APY = Annual Percentage Yield. Rates effective as of October 3, 2022. Fees may reduce earnings.

Loans

Loan Type APR* From APR* To Term Up To
New & Used Vehicles 6.60% 15.60% 75 Months
New & Used Boats 5.75% 10.00% 72 Months
New & Used Jet Skis 7.50% 10.50% 36 Months
New & Used Recreational Vehicles 6.75% 11.75% 84 Months
New & Used Motorcycles 5.75% 10.00% 72 Months
New & Used ATVs 7.50% 10.50% 36 Months
Signature 12.00% 17.00% 60 Months
Share Secured Varies1    
Miscellaneous Secured 7.50% 10.50% 84 Months
Farm Equipment/Lawn Tractors 7.50% 10.50% 36 Months
Mastercard 12.50% 12.50% N/A
Mastercard Gold 12.50% 12.50% N/A
VISA 12.50% 12.50% N/A
VISA Gold 12.50% 12.50% N/A

Financial Calculators

Loan Rates are effective October 22, 2022. Rates are subject to change. Reduce APR by 0.25% for automatic payment from a Share Savings or Share Draft account with Cal-Com Federal Credit Union or with payroll deduction to your new or used vehicle loan. Save time and energy — get Cal-Com FCU financing at the dealership!

Actual rates are based on individual credit worthiness and length of loan. All loans are subject to credit approval. Rates and terms are subject to change without notice. *APR is Annual Percentage Rate.

1Rate is 3% over the current share savings rate.

Share Savings

Share Savings Dividend Rate APY* Term
Regular Share/Savings Account 0.25% 0.25% N/A
Christmas Club Account 0.25% 0.25% N/A
Share Draft Checking Account 0.10% 0.10% N/A
Money Market Share Draft Checking
$0.01 - $25,000.00
0.20% 0.20% N/A
Money Market Share Draft Checking
$25,000.01 - $100,000.00
0.30% 0.30% N/A
Money Market Share Draft Checking
$100,000.01 - $350,000.00
0.40% 0.40% N/A
Money Market Share Draft Checking
$350,000.01 or more
0.50% 0.50% N/A

Share Savings rates declared September 30, 2022.

Money Market Share Draft Checking rates effective June 1, 2022.

Share Draft Checking accounts require a minimum of $25.00 to open.
Regular Share Savings require a minimum of $5.00 to open.
Money Market Share Draft Checking requires a miminum of $2500.00 at all times.
Dividends are calculated and compounded daily and posted monthly to regular shares, share draft checking, Christmas Club and Money Market Share Draft Checking. *APY is Annual Percentage Yield.

Refer to our Membership Agreement and Disclosures for additional terms and conditions.

Term Share Accounts Learn More

Term Share Account Type Dividend Rate APY* Term
91 Day 1.24% 1.25% 3 Months
26 Week 1.99% 2.00% 6 Months
12 Month 2.48% 2.50% 12 Months
18 Month 2.72% 2.75% 18 Months
2 Year 2.97% 3.00% 24 Months
3 Year 2.23% 2.25% 36 Months
4 Year 2.28% 2.30% 48 Months
5 Year 2.33% 2.35% 60 Months
Vacation Club 0.95% 0.95% 9 Months
IRA - 1 Year 2.48% 2.50% 12 Months
IRA - 2 Year 2.97% 3.00% 24 Months
IRA - 3 Year 2.23% 2.25% 36 Months
IRA - 4 Year 2.28% 2.30% 48 Months
IRA - 5 Year 2.33% 2.35% 60 Months

Rates are effective October 27, 2022 and are subject to change without notice.

All Term Share Accounts including IRAs require a $500.00 minimum balance to open. Jumbo Term Share Accounts of deposit accounts ($100,000.00 minimum deposit) earn 0.15% dividend rate above standard Term Share Accounts dividend rate when opened new or at renewal. Early withdrawal penalties may be imposed. Term Share Accounts will automatically renew upon maturity at the current rate at that time. Vacation Club accounts require a $25.00 minimum balance to open. *APY is Annual Percentage Yield

Safe Deposit Boxes

Box Type Rental Price/Fee Term
3 x 5 Box $25.00 Year
5 x 10 Box $35.00 Year
10 x 10 Box $60.00 Year
Loss of Both Keys
Redrill (or) Actual Cost if More
$200.00 N/A
Replacement Key $50.00 N/A

Safe Deposit Box Rates are effective May 1, 2017 and are subject to change without notice. Box rental must be set as automatic debit to the member's account.