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Rates & Fees

Share
Savings & Checking
Account Minimum Dividend Rate APY*
Regular Shares $5.00 .05% .05%
Youth Shares $5.00 .05% .05%
Checking $5,000 ADB** .05% .05%
Business Checking N/A N/A N/A
Christmas/Vacation Shares $0.00 .05% .05%
Money Market
  Dividend Rate APY*
$1,000 to $24,999 0.10% 0.10%
$25,000 to $99,999 0.30% 0.30%
$100,000 and over 0.30% 0.30%
Share & IRA Certificates
Term Minimum Dividend Rate APY*
6 Month Certificate $500 0.20% 0.20%
1 Year Certificate $500 1.05% 1.05%
2 Year Certificate $500 1.50% 1.51%
3 Year Certificate $500 1.65% 1.66%
4 Year Certificate $500 1.85% 1.87%
5 Year Certificate $500 2.25% 2.27%

*APY is Annual Percentage Yield.
Rates are subject to change without notice. Rates are as of October 1, 2019.. Share Certificates are subject to penalty for early withdrawal and may reduce earnings.
** Average Daily Balance

Home Loans

Home (first mortgage) Loans Learn More & View Rates
Property Types:
  • Primary Residence
  • Second Homes
  • Investment Properties
 Loan Types:
  • Fixed-rate conventional
  • Adjustable-rate conventional
  • Jumbo
  • Or, FHA, VA, and USDA

Home Equity Lines & Loans

Home Equity Lines & Loans Apply Now
Line of Credit (HELOC) As low as 5.24% APR*
Loan - Closed End As low as 5.00% APR*

*APR is Annual Percentage Rate.  The HELOC interest rate is based on 80% Combined Loan to Value (CLTV), and the Closed End interest rate is based on 80% Combined Loan to Value (CLTV).  Your interest rate may be higher depending upon your credit history, CLTV and repayment option.  HELOC Only:  Interest rate based on Prime as published in The Wall Street Journal.  Interest rate is variable and may change quarterly, and maximum APR is 18%.  Interest rates effective as of November 1, 2019..

Vehicle Loans

New & Used Auto, Trucks & Motorcycles (Road) Apply Now
APR* as low as Terms up to Monthly Payment**
2.99% 48 months $22.13
3.25% 60 months $18.08
3.50% 72 months $15.42
3.75% 84 months $13.55
Boats and Recreational Vehicles                           
APR* as low as Term up to Monthly Payment **
4.74% 48 months $22.91
5.00% 60 months $18.87
5.25% 72 months $16.22
5.50% 84 months $14.37
6.75% 180 months $8.55

Your actual loan interest rate will be based on your credit history, loan to value and repayment option. Finance up to 125% of the NADA MSRP on new auto’s and trucks and 125% of NADA Average Retail for used auto’s and trucks, plus credit insurance, tax, title, GAP and extended warranty.  Finance up to 100% loan to value on all auto refinance cash out requests.
*APR is Annual Percentage Rate.  Make No Payments for 60 Days option will extend your loan by two (2) months and finance charges will accrue on unpaid principal.  Interest rates are subject to change without notice. Interest rates effective as of October 1, 2019.
**Monthly Payment is based on payment per $1,000 for term and rate shown above.

Credit Card Loans

MasterCard Platinum Apply Now
APR* 9.75% -- 19.25%
Minimum LOC $500
Rewards Yes
Grace Period 25 days
Annual Fee None
Late Payment Fee $15 after 3 days
Over the Limit Fee None
Returned Payment Fee $20
Replacement Card Fee (2nd replacement) $10
Cash Advance Fee None
Balance Transfer Fee None
Share Secured Credit Card Prime Rate plus 7.50% Margin

Terms & Conditions   Credit Card Agreement

Your actual credit card rate will be based on your credit history.
*APR is Annual Percentage Rate. The APR is the same for purchase transactions, cash advances and balance transfers. However, there is no grace period for cash advances or balance transfers. Minimum monthly payment is 3% of the balance, or $20, whichever is greater, plus the amount of any prior minimum payments that you have not made and any amount you are over your credit limit. Additional terms and conditions of the Canyon State Credit Union Agreement and Disclosure apply. Interest rates are subject to change without notice. Interest rates effective as of November 1, 2019.

Other Secured Loans

Other Secured Loans Apply Now
Loan Description VPR* Current APR** Payment terms
Certificate Secured Loan N/A 2.50% more than the rate being paid on the certificate pledged*** Monthly Payments are Optional. The entire loan balance plus interest is due on the day the certificate matures.
Share Secured Loan Share Rate +2.50% 2.55 Up to 60 months

Any type of IRA share or IRA certificate may not be used as collateral on any type of loan. These loans are not eligible for service discounts, and they are not based on the member's credit score.
These loans are not eligible for service discounts and the interest rate you pay is not based on your credit history.
* VPR is Variable Periodic Rate. Interest rates may change monthly based on the discretionary dividend rate paid on the account by Canyon State Credit Union as determined by the Board of Directors.
** APR is Annual Percentage Rate. "As low as" interest rates listed are based on the Share Rate as of October 1, 2019 and the Certificate rate as of October 1, 2019 . These rates are subject to change without notice. Rates effective as of October 1, 2019
***If more than one certificate is pledged, the highest certificate or money market rate plus 2.50% will be the loan rate.

Personal Loans Apply Now
APR* as low as Terms up to Monthly Payment**
8.25% Up to 60 months $45.68

Your actual loan interest rate will be based on your credit history, and repayment option.
*APR is Annual Percentage Rate. Rates are subject to change without notice. Interest rates effective as of October 1, 2019
** Monthly Payment is based on payment per $1,000 for 24 months and rate shown above.

Personal Lines of Credit or Overdraft Protection Loans Apply Now
VPR* AS Low As Current APR** As Low As Monthly Payment
Prime + 4.00% 8.75% $3.00 per $100 balance, $20 minimum

*VPR is Variable Periodic Rate.  **APR is Annual Percentage Rate.  Interest rates may change quarterly based on changes in the Wall Street Prime.  Your actual loan interest rate will be based on your credit history, utilization of credit union services and repayment option.   Interest rates effective as of November 1, 2019..

1) Prime rate from Wall Street Journal. Effective 11/1/19, the Prime Rate is 4.75%.

 
Membership Plan Consumer Business
Share (Savings) Account
Membership Share $5.00 $5.00
Youth Account (under 17 years of age) $5.00 --
Re-open Fee (re-opened within 90 days of closing) $10.00 $10.00
Closure Fee (closed within 90 days of opening) $10.00 $10.00
Withdrawal & Transfer Fee (By Point of Sale, Phone or Internet Banking in excess of 6 per month, maximum of 3 auto-transfer to cover checking account over-draft, in accordance with Federal Regulation D). In person or through an ATM, these transactions are FREE.  Fees apply to Savings and Money Market Accounts $5.00 per transaction $5.00 per transaction
Holiday Club Early Withdrawal Fee $5.00 $5.00
ATM Fees
Withdrawal/Transfer Fee (for each transaction in excess of 5 per month.) No fee for transactions at Canyon State Credit Union ATMs when using Canyon State Card. No fee for use at Point of Sale) $1.00 each $1.00 each
NSF (Non-Sufficient Funds) Fee $30.00 $30.00
Deposit of non-negotiable item $30.00 $30.00
Empty Envelope $30.00 $30.00
Checking Account
CashBack Checking (FREE if enrolled in Estatements) FREE if enrolled in Estatements  
Lopes Checking FREE if enrolled in Estatements  
Simple Business Checking   $7.00 per month (waived with minimum daily balance of $1,500+)
Try Again Checking $10.00 per month --
Check Printing Costs Varies Varies
NSF (Non-Sufficient Funds) Fee & Overdraft Privilege Fee $30.00 $30.00
Share Draft Copy Fee $5.00 per copy $5.00 per copy
Stop Payment Fee (one check or a sequential range of checks) $30.00 per request $30.00 per request
Bill Pay Expedited Payment Overnight Check $30 Overnight Check $30
Debit Card Foreign Transaction Fee 1.5% of transaction 1.5% of transaction
Other Services Fees
Returned Deposited Check (from member’s own account on another financial institution) $30.00 per check $30.00 per check
Returned Deposited Check (from third party) $10.00 per item $10.00 per item
Copy of Deposited Check $5.00 per copy $5.00 per copy
Wire Transfer Fee (outgoing in U.S.) $20.00 per transfer $20.00 per transfer
Cancellation ACH Origination (within 90 days) $20.00 per item $20.00 per item
ACH Insufficient Funds & ACH Stop Payment Fee $30.00 $30.00
ACH Origination Outgoing $10.00 $10.00
Money Order Fee $3.00 $3.00
Inactive Accounts (after 12 months, balances less than $100.00) $5.00 per month $5.00 per month
Official Check Fee (payable to a third party) $3.00 per check $3.00 per check
Statement Copy Fee $5.00 per copy $5.00 per copy
Official Check Copy $5.00 per copy $5.00 per copy
Debit Card Sales Slip Copy $5.00 per copy $5.00 per copy
Account Reconciliation – Research Fee $25.00 per hour $25.00 per hour
Returned Mail $5.00 $5.00
Replacement of ATM/Debit Card (after
1st card lost or stolen)		 $10.00 per card $10.00 per card
Rush Card Delivery Fee $30.00 per rush $30.00 per rush
Cancellation of ACH Pre-Authorized
Transaction		 $25.00 $25.00
Collection Item $10.00 $10.00
Foreign Item Processing $10.00 $10.00
IRA Transfer to Another Institution $25.00 $25.00
Escheat Administrative Fee (fee for annual remittance of unclaimed property to the State of Arizona, with no account activity for three years) $100.00 or balance in account if less than $100.00 $100.00 or balance in account if less than $100.00
Legal Processing Fee (fee to process garnishment or levy) $50.00 $50.00
Subordination Agreement Fee (real estate) $150.00 --
Coin Withdrawal Fee (assessed on each coin denomination; no charge if 2 or fewer rolls per day) 10% of withdrawal 1% of withdrawal
Cash/Coin Special Orders N/A 1%
Paper Statement (Free for Age 17 and Younger and Age 65 and older) $2.00 $2.00 — Ages removed
Verification of Deposit $10.00 $10.00
Pay By Phone with Debit Card (loan payment) 3.5% of payment amount N/A
Skip-A-Pay $30.00  
Consumer MasterCard Credit Cards
Late Payment Fee $15.00
Over-the-Credit Limit Fee None
Returned Payment Fee $20.00
Foreign Transaction Fee 1.5% of transaction
Balance Transfer Stop Payment Fee $43.00
Replacement Card Fee (after 1st card lost or stolen) $10.00 per card

Fee schedule as of January 2016