Resources

Rates & Fees

Rate Checker

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

Unsecured Personal Loan

Rates as of 11/8/2024

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


New Auto Loans

Rates as of 12/2/2024

Amount
Term
Base Rate/APR*
Min. $2,500
36 months
6.750%
Min. $2,500
60 months
7.000%
Min. $2,500
72 months
7.250%
Min. $2,500
120 months
7.500% *AFT Req.

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**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 12/2/2024

Amount
Term
Base Rate/APR*
Model Year
Min. $2,500
6–60 months
7.750%
2019–23
Min. $2,500
61-72 months
8.500%
2019–23
Min. $2,500
6-48 months
8.750%
2017-18
Min. $2,500
6-36 months
9.750%
2015-16

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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 12/2/2024

Amount
Term
Base Rate/APR*
Min. $2,500
36 months
7.750%
Min. $2,500
48 months
8.000%
Min. $2,500
60 months
8.250%

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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 12/2/2024

Amount
Term
Base Rate/APR*
Model Year
Min. $2,500
36 months
8.500%
2014–23
Min. $2,500
48 months
9.500%
2014–23
Min. $2,500
60 months
10.500%
2014–23

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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 12/6/2024

Term
Interest Rate
Points
APR*
15 Years
5.875%
0
6.024%
15 Years
5.625%
1
5.773%
20 Years
6.125%
0
6.244%
20 Years
5.875%
1
5.993%
30 Years
6.500%
0
6.592%
30 Years
6.250%
1
6.341%

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Payment Example: A Home Mortgage loan for $100,000 over a 180 month period with an APR of 6.024% would have a monthly payment of $837.12. 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 – $766,550 as of 01/01/2024 – purchase money or no cash out refi’s – primary residence only – Max LTV 95%.

  • Maximum LTV for ANY manufactured home or permanent foundation – 90% (New Build) or 80% (Purchase/Refi)
  • 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

*Interest rate and annual percentage rate (APR) are subject to change without notice. Interest rate, APR and terms may vary based on the creditworthiness of the borrower, loan-to-value ratio, loan amount and loan purpose. Rates are based on owner occupancy. Subject to credit and property approval. Other rates and terms available. All APRs and estimated monthly payments based on a $100,000 loan amount and a loan-to-value ratio of 80%. Payments do not include amounts for taxes and insurance premiums, actual obligations will be greater.


5/6-Month ARM (Conforming)

Rates as of 12/6/2024

Term
Interest Rate*
Points
APR*
30 Years
6.750%
0
7.059%

Rate is fixed for first 5 years, then adjusts every 6 months thereafter based on a 30-day compounded average of SOFR (SOFR Index) as made available by the Federal Reserve Bank of New York (New York Fed). 2% interest rate cap at first adjustment and 1% thereafter. Life of loan cap +/-5%, Floor 2.50%, and Margin 2.50%

7/6-Month ARM (Conforming)

Rates as of 12/6/2024

Term
Interest Rate*
Points
APR*
30 Years
7.250%
0
7.281%

Rate is fixed for first 7 years, then adjusts every 6 months thereafter based on a 30-day compounded average of SOFR Index) as made available by the Federal Reserve Bank of New York (New York Fed). 5% interest rate cap at first adjustment and 1% thereafter. Life of loan cap +/-5%, Floor 2.50%, and Margin 2.50%

10/6-Month ARM (Conforming)

Rates as of 12/6/2024

Term
Interest Rate*
Points
APR*
30 Years
7.875%
0
7.736%

Rate is fixed for first 10 years, then adjusts every 6 months thereafter based on a 30-day compounded average of SOFR (SOFR Index) as made available by the Federal Reserve Bank of New York (New York Fed). 5% interest rate cap at first adjustment and 1% thereafter. Life of loan cap +/-5%, Floor 2.50%, and Margin 2.50%

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

  • 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 below

*Interest rate and annual percentage rate (APR) are subject to change without notice. Interest rate, APR and terms may vary based on the creditworthiness of the borrower, loan-to-value ratio, loan amount and loan purpose. Rates are based on owner occupancy. Subject to credit and property approval. Other rates and terms available. All APRs and estimated monthly payments based on a $100,000 loan amount and a loan-to-value ratio of 80%. Payments do not include amounts for taxes and insurance premiums, actual obligations will be greater.


Fixed Rate Conforming Mortgage – Investment

Maximum Loan – Single Family – $766,550 as of 01/01/2024 – Purchase Money or No Cash Out Refi – Max LTV 80%

**Please contact Mortgage Loan Originator for current Freddie Mac Investment Rates and corresponding Loan Level Price Adjustments.

  • For Cash Out Refinances 1 Unit – Maximum LTV – 75%
  • For Cash Out Refinances 2-4 Unit – Maximum LTV – 70%

Portfolio Mortgages

Rates as of 12/2/2024

Fixed Rates
Interest Rate
Points
APR
15 Years
7.375%
0
7.530%
15 Years
7.125%
1
7.279%
20 Years
7.500%
0
7.626%
20 Years
7.250%
1
7.375%
25 Years
7.750%
0
7.860%
25 Years
7.500%
1
7.609%
30 Years
7.750%
0
7.849%
30 Years
7.500%
1
7.598%

Payment Example: A Home Mortgage loan for $100,000 over a 180 month period with an APR of 7.530% would have a monthly payment of $919.92. 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.


5/6-Month ARM (Portfolio)

Rates as of 12/2/2024

Term
Interest Rate
Points
APR
30 Years
7.000%
0
7.719%

Rate is fixed for first 5 years, then adjusts every 6 months thereafter based on a 30-day compounded average of SOFR (SOFR Index) as made available by the Federal Reserve Bank of New York (New York Fed). 2% interest rate cap at first adjustment and 1% thereafter. Life of loan cap +/-5%, Floor 2.50%, and Margin 2.50%

7/6-Month ARM (Portfolio)

Rates as of 12/2/2024

Term
Interest Rate
Points
APR
30 Years
7.250%
0
7.295%

Rate is fixed for first 7 years, then adjusts every 6 months thereafter based on a 30-day compounded average of SOFR (SOFR Index) as made available by the Federal Reserve Bank of New York (New York Fed). 5% interest rate cap at first adjustment and 1% thereafter. Life of loan cap +/-5%, Floor 2.50%, and Margin 2.50%

10/6-Month ARM (Portfolio)

Rates as of 12/2/2024

Term
Interest Rate
Points
APR
30 Years
7.375%
0
7.397%

Rate is fixed for first 10 years, then adjusts every 6 months thereafter based on a 30-day compounded average of SOFR (SOFR Index) as made available by the Federal Reserve Bank of New York (New York Fed). 5% interest rate cap at first adjustment and 1% thereafter. Life of loan cap +/-5%, Floor 2.50%, and Margin 2.50%

  • For Refinance Mortgages – LTV Capped at 95% for No-Cash Out Refi’s and 80% for Cash Out Refi’s
  • Maximum LTV for ANY Manufactured Home on Permanent Foundation – 90% (New Build) or 80% (Purchased/Refi)
  • New construction financing within 9 month I/O building period. 0.5% construction fee- Max LTV 90% of total project (with PMI).
  • For 1-2 Units – 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 11/8/2024

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%

Learn More

Payment Example: a Home Improvement loan for $7,500 over a 60 month period with an APR of 13.500% would have a monthly payment of $172.57.
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 12/2/2024

Amount
Term
Rate/APR
$7,500-$14,999
12–60 months
9.09%
$15,000+
12-60 months
8.09%
$7,500-$14,999
61-120 months
9.19%
$15,000+
61-120 months
8.19%
$15,000+
121-180 months
8.39%
$25,000+
181-240 months
8.49%

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Payment Example: A Home Equity loan for $25,000 over a 60 month period with an APR of 8.09% would have a monthly payment of $507.99.
May be Primary or Secondary Residence. Bank provides lender credit to cover closing-costs on loan amounts up to $250,000, with a 3 year recapture. Tax stamps exceeding a $250,000 loan amount will be paid by the borrower.
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 11/8/2024

Amount
Rate/APR
Current Rate
$7,500–$24,999
WSJP + 1.25%
9.00%
$25,000-$49,999
WSJP + 1.00%
8.75%
$50,000-$99,999
WSJP + 0.50%
8.25%
$100,000+
WSJP
7.75%

Learn More

**10 year Interest only draw + 15 yr payback
May be Primary or Secondary Residence. Bank provides lender credit to cover closing-costs on loan amounts up to $250,000, with a 3 year recapture. Tax stamps exceeding a $250,000 loan amount will be paid by the borrower.
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

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
Canadian Check Fee
$8.00
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
Photocopy
$0.50 (per page)
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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