Canandaigua FCU Routing Number: 222380281

Rates

TERM CERTIFICATE PROMOTIONAL RATE:

LIMITED TIME:  NEW MONEY ONLY  -  up to 11 MONTH SPECIAL RATE 4.00% APR.

 

Whether you need a loan or want to start saving, Canandaigua FCU has the rates that make your financial goals possible. 

 

Loan Rates

Loan TypeTermAPR*
New Auto Loan or new vehicles up to 5000 miles

Up to 36 Months

Up to 48 Months

Up to 60 Months

Up to 72 Months

Up to 84 Months

as low as 4.75%

as low as 5.59%

as low as 5.75%

as low as 6.25%

as low as 6.49%

Pre-owned Vehices up to 2022Up to 36 Months
Up to 48 Months
Up to 60 Months
Up to 72 Months
Up to 84 Months
Min. $45,000
2020 and newer
as low as 5.49%
as low as 6.25%
as low as 6.79%
as low as 7.25%
as low as 7.99%
New RVs, Boats, Mortocycles, etc.
Max TermAPR*
Up to 180 Monthsas low as 8.25%
Pre-Owned RVs, Boats, Motorcycles, etc.
Max TermAPR*
Up to 120 Monthsas low as 9.25%
Personal Loans: Share Secured
Max TermAPR*
up to 36 Monthsas low as 2.75%
37 to 60 Months
61 to 120 Months
as low as 3.50%
as low as 4.25%
Anything Loan: Unsecured
Max Term/AmountAPR*
up to 120 Months/$30,000as low as 8.99%
Home Improvement
Max Term/AmountAPR*
up to 120 Months/$30,000as low as 8.99%


Visa Credit Card
DescriptionAdditionalAPR*
No Annual Fee/No Cash Advance FeePlus Earn Rewards Pointsas low as 7.99%
* Annual Percentage Rate
Education Loan
Max Term/AmountAPR*
up to 120 Months/$40,000as low as 7.00%
Mortgages
DescriptionAPR*
Through Owners Choice FundingClick on Mortgage CenterRates change daily..call or check online
Summer Vacation Special July 1 Through August 31,
DescriptionMax Term/AmountAPR*
Summer Vacation Loan Specialup to 36 Months/$10,000as low as 8.99%
This loan special rate is offered during the months of July through August
Wedding Loan
DescriptionMax TermAPR*
Wedding Loanup to 36 monthsas low as 8.99%
Consolidation Loan
Consolidation Loanup to 120 Months/$30,000as low as 8.99%
Enterprise Car Loan
DescriptionMax TermAPR*
Enterprise Car Loanup to 36 Monthsas low as 5.49%
up to 48 Monthsas low as 6.25%
up to 60 Monthsas low as 6.79%
up to 72 Monthsas low as 7.25%
Holiday Loan Special
DescriptionMax Term/AmountAPR*
Holiday Loan Specialup to 36 Months/$5,000as low as 8.99%

Savings Rates

DescriptionRateAPY*
Regular Shares, Full Service Members.10%.10%
Regular Shares.10%.10%

Share and IRA - Term Share RatesĀ 

Existing MoneyTerm ShareMinimumRateAPY
3 Months, Full Service Members$100.05%.05%
3 Months, Standard$100.05%.05%
6 Months, Full Service Members$100.05%.05%
6 Months, Standard$100.05%.05%
12Months, Full Service Members$100.10%.10%
12Months, Standard$100.10%.10%
24 Months, Full Service Members$100.15%.15%
24 Months, Standard$100.15%.15%
30 Months, Full Service Members$100.20%.20%
30 Months, Standard$100.20%.20%
36 Months, Full Service Members$100.25%.25%
36 Months, Standard$100.25%.25%
48 Months, Full Service Members$1000.35%0.35%
48 Months, Standard$100.35%.35%
60 Months, Full Service Members$1000.45%0.45%
60 Months, Standard$1000.45%0.45%
Precious Person CDs$000.10%.10%

BUILDABLE Term Shares Any amount of money, anytime!

Buildable 10 Month, Full$000.05%.05%
Buildable 10 Month, Standard$000.05%.05%
Buildable 12 Month, Full$000.10%.10%
Buildable 12 Month, Standard$000.10%.10%
Buildable 15 Month, Full$000.10%.10%
Buildable 15 Month,Standard$000.10%.10%
Buildable 24 Month, Full$000.15%.15%
Buildable 24 Month, Standard$000.15%.15%

Service Fees

TransactionFee
Membership Fee$0.25
Insufficient Funds (NSF)$35.00
Copy of a Check$3.00
Return of Deposited Item$35.00
Statement Reproduction$3.00
Involuntary Closing Fee$15.00
Funds Transfer Fee$1.00
Stop Payment (check and EFT)$25.00
Non-CFCU ATM Fee over 4 per month$1.00
Wire Transfer - Domestic$20.00
Wire Transfer - International$40.00
Card Replacement Fee$10.00
Protest Check$25.00
Late Payment Fee$25.00
Credit Union Check Charge$2.00
Account Balancing Per Hour - Minimum Fee 1 hr$25.00
Address Not Changed$5.00
Flood Cert$20.00
VISA overlimit fee$25.00
Copy fee per page$0.25
Mortgage Modification$300.00
Research Fee Per Hour - Minimum Fee 1 hr$75.00
Monthly Inactive/Dormant Account Fee$5.00

SPECIAL RATE: NEW MONEY

*NEW MONEY ONLY** 12 MONTHS 2.00% APR.


Canandaigua FCU Routing Number: 222380281