COME IN AND TALK TO US ABOUT OUR NEW LOAN PROMOTION:  CONSOLIDATE YOUR DEBT WITH RATES AS LOW AS *6.25% APR.   (*TERMS AND CONDITIONS APPLY)

 

Canandaigua FCU Routing Number: 222380281

Rates

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

Up to 36 Months

Up to 48 Months

Up to 60 Months

Up to 72 Months

Up to 84 Months

as low as 3.25%

as low as 3.49%

as low as 2.99%

as low as 3.49%

as low as 3.99%

Pre-owned Vehices up to 2021Up to 36 Months
Up to 48 Months
Up to 60 Months
Up to 72 Months
as low as 3.59%
as low as 3.75%
as low as 3.99%
as low as 4.59%
New RVs, Boats, Mortocycles, etc.
Max TermAPR*
Up to 180 Monthsas low as 7.00%
Pre-Owned RVs, Boats, Motorcycles, etc.
Max TermAPR*
Up to 120 Monthsas low as 8.00%
Personal Loans: Share Secured
Max TermAPR*
up to 36 Monthsas low as 2.75%
up to 60 Monthsas low as 3.50%
Anything Loan: Unsecured
Max Term/AmountAPR*
up to 120 Months/$30,000as low as 7.99%


Home Improvement
Max Term/AmountAPR*
up to 120 Months/$30,000as low as 7.99%


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/$30,000as low as 6.00%
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 6.75%
This loan special rate is offered during the months of July through August
Wedding Loan
DescriptionMax TermAPR*
Wedding Loanup to 36 monthsas low as 7.99%
Consolidation Loan
Consolidation Loanup to 120 Months/$30,000as low as 7.99%
Enterprise Car Loan
DescriptionMax TermAPR*
Enterprise Car Loanup to 36 Monthsas low as 3.25%
up to 48 Monthsas low as 3.75%
up to 60 Monthsas low as 4.25%
up to 72 Monthsas low as 4.75%
Holiday Loan Special
DescriptionMax Term/AmountAPR*
Holiday Loan Specialup to 36 Months/$5,000as low as 6.75%

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

Canandaigua FCU Routing Number: 222380281