Resources

Rates & Fees

Rate Checker

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

Unsecured Personal Loan

Rates as of 3/3/2023

Amount
Term
Base Rate/APR*
$2,500–$7,500
6–36 months
10.750%
$5,000–$15,000
37–48 months
11.750%
$7,500–$15,000
49–60 months
12.750%

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Payment Example: A personal loan for $7,500 over a 60 month period with an APR of 12.750% would have a monthly payment of $169.69.
*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.

New Auto Loans

Rates as of 3/3/2023

Amount
Term
Base Rate/APR*
Min. $2,500
36 months
5.750%
Min. $2,500
60 months
6.000%
Min. $2,500
72 months
6.250%
Min. $2,500
120 months
6.500% *AFT Req.

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Payment Example: A new automobile loan for $10,000 over a 60 month period with an APR of 6.000% would have a monthly payment of $193.33 when auto-pulled** from a CCB account.
*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 3/3/2023

Amount
Term
Base Rate/APR*
Model Year
Min. $2,500
6–60 months
6.750%
2019–23
Min. $2,500
61-72 months
7.500%
2019–23
Min. $2,500
6-48 months
7.750%
2017-18
Min. $2,500
6-36 months
8.750%
2015-16

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

New Recreational Vehicles

Rates as of 3/3/2023

Amount
Term
Base Rate/APR*
Min. $2,500
36 months
6.750%
Min. $2,500
48 months
7.000%
Min. $2,500
60 months
7.250%

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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.
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 3/3/2023

Amount
Term
Base Rate/APR*
Model Year
Min. $2,500
36 months
7.500%
2013–22
Min. $2,500
48 months
8.500%
2013–22
Min. $2,500
60 months
9.500%
2013–22

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*All interest rates based on 740 or higher credit score / add 2% for 2011-12.
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 3/20/2023

Term
Interest Rate
Points
APR
Max LTV
15 Years
5.500%
0
5.638%
95%
15 Years
5.250%
1
5.387%
95%
20 Years
6.125%
0
6.237%
95%
20 Years
5.875%
1
5.986%
95%
30 Years
6.250%
0
6.335%
95%
30 Years
6.000%
1
6.084%
95%

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Payment Example: A Home Mortgage loan for $50,000 over a 180 month period with an APR of 5.638% would have a monthly payment of $408.54. Taxes and insurance not included, your actual payment obligation may be higher.
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 – $726,200 as of 01/01/2023 – 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 3/20/2023

Fixed Rates
Interest Rate
Points
APR
Max LTV
15 Years
6.250%
0
6.391%
95%
15 Years
6.000%
1
6.140%
95%
20 Years
6.875%
0
6.990%
95%
20 Years
6.625%
1
6.739%
95%
25 Years
7.000%
0
7.100%
95%
25 Years
6.750%
1
6.848%
95%
30 Years
7.000%
0
7.089%
95%
30 Years
6.750%
1
6.838%
95%

Payment Example: A Home Mortgage loan for $50,000 over a 180 month period with an APR of 6.391% would have a monthly payment of $428.71. Taxes and insurance not included, your actual payment obligation may be higher.
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 1/23/2023

Term
Interest Rate
Points
APR
Max LTV
30 Years
3.500%
0
3.572%
95%

Learn More- home mortgage loans

Payment Example: A Home Mortgage loan for $50,000 over a 360 month period with an APR of 3.572% would have a monthly payment of $224.52. Taxes and insurance not included, your actual payment obligation may be higher.

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 3/3/2023

Term
Interest Rate
Points
APR
Max LTV
30 Years
5.625%
0
5.707%
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 3/3/2023

Term
Interest Rate
Points
APR
Max LTV
30 Years
5.750%
0
5.833%
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 3/3/2023

Amount
Term
Base Rate/APR*
$2,500–$7,500
6–36 months
10.500%
$5,000–$7,500
37–48 months
11.500%
$5,000–$7,500
49–60 months
12.500%

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Payment Example: a Home Improvement loan for $7,500 over a 60 month period with an APR of 12.500% would have a monthly payment of $168.73.
*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 Equity Term Loans

Rates as of 3/3/2023

Amount
Term
Rate/APR
$7,500-$14,999
12–60 months
8.19%
$15,000+
12-60 months
7.19%
$7,500-$14,999
61-120 months
7.99%
$15,000+
61-120 months
6.99%
$15,000+
121-180 months
7.09%
$25,000+
181-240 months
7.19%

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Payment Example: a Home Equity loan for $25,000 over a 60 month period with an APR of 7.19% would have a monthly payment of $497.27.
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.
Rate will be reduced by 0.25% if autopay from CCB checking or savings account is established at time of closing.

Home Equity Line of Credit (HELOC)

Rates as of 3/3/2023

Amount
Rate/APR
Current Rate
$7,500–$24,999
WSJP + .75%
8.50%
$25,000+
WSJP + 0%
7.75%

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**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%
Rate will be reduced by 0.25% if autopay from CCB checking or savings account is established at time of closing.

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

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 presented for payment)
$10.00
Deposit Item Returned – Canadian (each time the item is 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
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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