Resources

Rates & Fees

Rate Checker

APY = Annual Percentage Yield. APR = Annual Percentage Rate.

Rates effective as of 11/3/2022. Fees may reduce earnings. Rates may change after accounts are opened.

Unsecured Personal Loan

Rates as of 12/2/2022

Amount
Term
Base Rate/APR*
$2,500–$7,500
6–36 months
10.000%
$5,000–$15,000
37–48 months
11.000%
$7,500–$15,000
49–60 months
12.000%

Learn More

*All interest rates based on 740 or higher credit score.

Rates quoted require automatic payment set up from CCB checking or savings. Add 0.25% if no AFT.


Personal Loan – Real Estate Secured

Rates as of 12/2/2022

Amount
Term
Rate/APR
$2,500–$20,000
6–36 months
7.09%
$5,000–$20,000
37–48 months
7.19%
$5,000–$20,000
49–60 months
7.29%

Learn More

Loan proceeds must be used for Home Improvements / may be owner occupied or non-owner occupied.

Rates quoted require automatic payment set up from CCB checking or savings. Add 0.25% if no AFT.


New Auto Loans

Rates as of 12/2/2022

Amount
Term
Base Rate/APR*
Min. $2,500
36 months
5.500%
Min. $2,500
60 months
5.750%
Min. $2,500
72 months
6.000%
Min. $2,500
120 months
6.250% *AFT Req.

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*All interest rates based on 740 or higher credit score.

Rates quoted require automatic payment set up from CCB checking or savings. Add 0.25% if no AFT.


Used Auto Loans / Auto Loan Refinance

Rates as of 12/2/2022

Amount
Term
Base Rate/APR*
Model Year
Min. $2,500
6–60 months
6.500%
2018–22
Min. $2,500
61-72 months
7.250
2018–22
Min. $2,500
6-48 months
7.500%
2016-17
Min. $2,500
6-36 months
8.500%
2014-15

Learn More

*All interest rates based on 740 or higher credit score.

Rates quoted require automatic payment set up from CCB checking or savings. Add 0.25% if no AFT.

Older vehicles considered on exception basis. Add 0.50%. Max LTV 75%.


New Recreational Vehicles

Rates as of 12/2/2022

Amount
Term
Base Rate/APR*
Min. $2,500
36 months
6.500%
Min. $2,500
48 months
6.750%
Min. $2,500
60 months
7.000%

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*All interest rates based on 740 or higher credit score / add 2% for 2010-11

Rates quoted require automatic payment set up from CCB checking or savings. Add 0.25% if no AFT.

Refer to SVP, Retail Lending & Community Development for extended terms on Luxury/High End Boats and Recreational options.


Used Recreational Vehicles / Refinance

Rates as of 12/2/2022

Amount
Term
Base Rate/APR*
Model Year
Min. $2,500
36 months
7.250%
2012–22
Min. $2,500
48 months
8.250%
2012–22
Min. $2,500
60 months
9.250%
2012–22

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*All interest rates based on 740 or higher credit score / add 2% for 2010-11

Rates quoted require automatic payment set up from CCB checking or savings. Add 0.25% if no AFT.

Refer to SVP, Retail Lending & Community Development for extended terms on Luxury/High End Boats and Recreational options.

Fixed Rate Conforming Mortgage – Primary and Secondary Residence

Rates as of 11/3/2022

Term
Interest Rate
Points
APR
Max LTV
15 Years
6.500%
0
6.642%
95%
15 Years
6.250%
1
6.391%
95%
20 Years
7.000%
0
7.116%
95%
20 Years
6.750%
1
6.865%
95%
30 Years
7.375%
0
7.466%
95%
30 Years
7.125%
1
7.215%
95%

Learn More

Loan rate is ONLY guaranteed with a signed 50 day lock-in agreement. Prevailing rate determined 7 days prior to closing.

Maximum Loan – single family – $647,200 as of 01/01/2022 – purchase money or no cash out refi’s – primary residence only.

  • Maximum LTV for ANY manufactured home or permanent foundation – 90% (purchase transaction only)
  • For 2-4 units – purchase money primary residences, maximum LTV – 80%
  • For 1 unit – owner occupied secondary residence, maximum LTV – 90%
  • For cash out refinances – maximum LTV – 80%
  • Jumbo mortgage rates available – see portfolio loan rates

Portfolio Mortgages

Rates as of 11/3/2022

Fixed Rates
Interest Rate
Points
APR
Max LTV
15 Years
6.000%
0
6.140%
95%
15 Years
5.750%
1
5.889%
95%
20 Years
6.375%
0
6.488%
95%
20 Years
6.125%
1
6.237%
95%
25 Years
6.500%
0
6.597%
95%
25 Years
6.250%
1
6.346%
95%
30 Years
6.500%
0
6.586%
95%
30 Years
6.250%
1
6.335%
95%

Max Loan – bank’s legal lending limit – primary or secondary 1-4 family residences, purchase or refinance.


Adjustable Rate Mortgages

1 Year Adjustable Convertible

Rates as of 11/3/2022

Term
Interest Rate
Points
APR
Max LTV
30 Years
3.50%
0
3.572%
95%

Learn More- home mortgage loans

Rate adjusts annually based on weekly average yield on US Treasury securities adjusted to a constant maturity of one year as made available by the Federal Reserve Board. 2% interest cap at each interest rate adjustment period. Life of loan Cap +/-6%, Floor 4.00%, Margin 2.25%. The conversion option is available between the 12th and 60th months. Fixed rate on conversion is based on Fannie Mae 60 day required net yield as of 45 days prior to the effective date of the conversion plus 5/8 of 1 percentage point or .625% rounded to the nearest 1/8 of 1 percentage point or .0125%. If this index is not available, a comparable index will be used.

5/1 ARM

Rates as of 11/3/2022

Term
Interest Rate
Points
APR
Max LTV
30 Years
3.625%
0
3.698%
95%

Rate is fixed for first 5 years, then adjusts annually thereafter based on weekly average yield on US Treasury securities to a constant of one year as made available by the Federal Reserve Board; 3% interest rate cap at first adjustment and thereafter 2% interest rate cap at each interest rate adjustment period. Life of loan cap +/-6%, Floor 4.00%- Margin 2.25%.

7/1 ARM

Rates as of 11/3/2022

Term
Interest Rate
Points
APR
Max LTV
30 Years
3.875%
0
3.949%
95%

Rate is fixed for first 7 years, then adjusts annually thereafter based on weekly average yield on US Treasury securities to a constant of one year as made available by the Federal Reserve Board ; 5% interest rate cap at first interest rate adjustment and 2% thereafter. Life of loan cap +/-6%, Floor 4.00%, Margin 2.50% Max Loan – Bank’s Legal Lending Limit – Primary or Secondary 1-4 Family Residences, Purchase or Refinance

  • For Refinance Mortgages – LTV Capped at 90% for No-Cash Out Refi’s and 80% for Cash Out Refi’s
  • Maximum LTV for ANY Manufactured Home on Permanent Foundation – 80%
  • New construction financing with 9 month I/O building period. 1% construction fee- Max LTV 80% of total project.
  • For 1 – 2 Unit’s – Purchase Money Primary Residences, Maximum LTV – 95% (with PMI) * 3-4 – LTV 80% or Less – PMI not available.

Home Improvement Loan – Unsecured

Rates as of 12/2/2022

Amount
Term
Base Rate/APR*
$2,500–$7,500
6–36 months
9.750%
$5,000–$7,500
37–48 months
10.750%
$5,000–$7,500
49–60 months
11.750%

Learn More

*Rates based on 740 or higher credit score.

Rates quoted require automatic payment set up from CCB checking or savings. Add 0.25% if no AFT.


Home Improvement Loan – Real Estate Secured

Rates as of 12/2/2022

Amount
Term
APR as low as
$7,500–$20,000
12-36 months
6.89%
$7,500–$20,000
37-60 months
7.09%
$7,500–$20,000
61-120 months
7.29%

Learn More

Rates quoted require automatic payment set up from CCB checking or savings. Add 0.25% if no AFT.

Loan proceeds must be used for Home Improvements / May be owner occupied or non-own occupied.


Home Equity Term Loans

Rates as of 12/2/2022

Minimum Amount
Term
Rate/APR
$7,500
12–60 months
7.29%
$7,500
61–120 months
7.49%
$10,000
121–180 months
7.69%
$25,000
181–240 months
7.89%

Learn More

May be primary residence or second home / bank pays fees on loans up to $500,000 / 3 year recapture.

Maximum loan to value 85% / Must be first or second lien position.


Home Equity Line of Credit (HELOC)

Rates as of 12/2/2022

Amount
Rate/APR
Current Rate
$7,500–$24,999
WSJP + .75%
7.75%
$25,000+
WSJP + 0%
7.00%

Learn More

**10 year Interest only draw + 15 yr payback

May be primary residence or second home / bank pays fees on loans up to $500,000 / 3 year recapture.

Maximum loan to value 85% / Must be first or second lien position.

No floor / ceiling – 15.9%


Overdraft Line of Credit

Rates as of 12/2/2022

Amount
Term
Base Rate/APR
Min. $500
12-36 months
18.00%

No rate reduction for autopay.

Rate is as stated- not tied to credit score.


Fee Schedules

Rates as of 9/15/2022

Type
Fee
Account Escheatment Fee
$30.00
Account-To-Account “A2A” Transfers – DPXPay (per transaction) To send money to an account at another financial institution. There is no cost to receive money from another financial institution.
$2.00
Bill Pay Inactivity Fee (after no activity for a calendar month/then monthly until used)
$5.00
Business BillPay (per transaction after 10)
$0.50
Cashier’s Check
$7.00
Certified Check (per check)
$20.00
Check Card Replacement Fee
$10.00
Check Collections (incoming & outgoing)
$15.00
Check Protest
$20.00
Christmas Club Savings Early Withdrawal Fee (per withdrawal)
$10.00
Close Account By Mail
$5.00
Coin Rolling Fee (CCB Customer only)
10% of value
Counter Check (per check)
$2.00
Counter Check (5 checks)
$8.00
Deposit Item Returned (each time the item is re-processed for payment)
$10.00
Deposit Item Returned – Canadian (each time the item is re-presented for payment)
$30.00
Early Account Close (6 months or less open)
$30.00
Extended Negative Balance Fee (after each 5 consecutive bus. Days, max. of 2 charges)
$5.00
Fax Service (1st sheet)
$1.00
Fax Service (subsequent sheets)
$0.50
Foreign ATM Fee (CCB Cardholders)
$2.50
Foreign Card Trans (CCB ATM)
$3.00
Legal Processing Fee (Levies, Restraints, Garnishments)
$125.00
Lost Safe Deposit Box Key
$50.00
Medicaid Related Statement Requests: 0 – 12 months
$5.00 (per statement)
Medicaid Related Statement Requests: 13 months – over
$75.00 (per request)
Notary Service (per person)
$2.00
Overdrafts (NSF check paid/returned) each time it is presented
$35.00
Overdraft Protection Transfer Fee (per transfer from another CCB checking/savings)
$10.00
Paper Statement Fee – Personal
$2.00
Paper Statement Fee w/Images – Personal
$12.00
Paper Statement Fee – Business
$5.00
Paper Statement Fee w/Images – Business
$25.00
Person-To-Person “P2P” Transfers – DPXPay (per transaction)
$0.50
Person-To-Person “P2P” Transfers – Popmoney (per transaction)
$0.50
Photocopy (per page)
$0.50
Popmoney (per transaction)
$0.50
Reconciliation (Consumer)* up to 1 hour
$20.00
Reconciliation (Consumer)* additional hours/per hour
$20.00
Research (Consumer)* up to 1 hour
$20.00
Research (Consumer)* additional hours/per hour
$20.00
Research Additional Fees: Statement Copy
$5.00
Research Additional Fees: Statement Copy with Images
$8.00
Return Statement Fee (due to wrong address/2nd time)
$10.00
Safe Deposit Box Drilling (+ costs)
$50.00
Snapshot Statement
$5.00
Stop Payment (one check)
$35.00
Stop Payment (range of checks)
$40.00
Telephone Transfer of Funds
$10.00
Wire Transfer-Domestic (Incoming)
$20.00
Wire Transfer-Domestic (Outgoing)
$25.00
Wire Transfer-International (Incoming)
$30.00
Wire Transfer-International (Outgoing)
$35.00
Zipper Money Bag (+ tax)
$10.00

*Additional fees may apply for Business Accounts.

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