CW Dividend Rates
Rates subject to change without notice
| CW RATES AT A GLANCE | |||
| Effective Date: Sunday, December 1, 2024 | |||
| Share Type | APY | APR | Minimum balance to open |
| CW Checking | 0.50% | 0.499% | $5.00 |
| CW Savings | 1.25% | 1.243% | $5.00 |
| CW HiRate Savings | 4.25% | 4.170% | $5.00 |
| CW IRA Savings | 4.25% | 4.170% | $2000.00 |
| CW Certificates | 4.65% | 4.554% | $1000.00 |
| CW Certificates | |||||
| Effective Date: Sunday, December 1, 2024 | |||||
| Term Share Certificates | |||||
| Months | APY | APR | Minimum balance to open | Dividends paid at end of each | Withdrawal penalty on amount |
| 6 Months | 4.65% | 4.554% | $1000.00 | Month | See Below* |
| 12 Months | 4.45% | 4.362% | $1000.00 | Month | See Below* |
| 18 Months | 4.25% | 4.170% | $1000.00 | Month | See Below* |
| 24 Months | 4.00% | 3.929% | $1000.00 | Month | See Below* |
| 36 Months | 3.80% | 3.736% | $1000.00 | Month | See Below* |
| 48 Months | 3.60% | 3.542% | $1000.00 | Month | See Below* |
| 60 Months | 3.40% | 3.349% | $1000.00 | Month | See Below* |
| *Early Withdrawal Penalty: Any amount withdrawn prior to the maturity date of this Certificate will be assessed a penalty equal to the amount of the withdrawal times the remaining term (days) of this certificate at the rate of 2 times the current APR (divided by 365) paid on this certificate. The penalty amount will be deducted from the amount withdrawn. Dividends earned will be paid at the end of each month and disbursed as directed by the holder. Funds from Certificates will be deposited into regular shares on the maturity date unless other arrangements are made. Savings federally insured by NCUA to at least $250,000 and backed by the full faith and credit of the United States Government. | |||||
| CW Checking | ||||||||
| Effective Date: Sunday, December 1, 2024 | ||||||||
| Average Daily Balance | APY | APR | Minimum balance to open | Min. Balance to Earn Dividends | Dividends earned each | Dividends paid at end of each | No penalty withdrawal period | Withdrawal penalty on amount |
| $0 and up | 0.50% | 0.499% | $5.00 | $1.00 | Day | Month | Any time | None |
| CW Savings | ||||||||
| Effective Date: Sunday, December 1, 2024 | ||||||||
| Average Daily Balance | APY | APR | Minimum balance to open | Min. Balance to Earn Dividends | Dividends earned each | Dividends paid at end of each | No penalty withdrawal period | Withdrawal penalty on amount |
| $0 and up | 1.25% | 1.243% | $5.00 | $1.00 | Day | Month | Any time | None |
| CW Cents Savings | ||||||||
| Effective Date: Sunday, December 1, 2024 | ||||||||
| Average Daily Balance | APY | APR | Minimum balance to open | Min. balance to earn dividends | Dividends earned each | Dividends paid at end of each | No penalty withdrawal period | Withdrawal penalty on amount |
| $0 and up | 1.25% | 1.243% | $5.00 | $1.00 | Day | Month | Any time | None |
| When you enroll in the CW Cents Savings Round-Up Program, the Credit Union will round up the amount of any debit card purchase | ||||||||
| associated with your CW Checking account to the next whole dollar amount and transfer the amount in excess of the purchase amount | ||||||||
| from your CW Checking account to your CW Cents Savings account. | ||||||||
| CW HiRate Savings - Monthly | ||||||||
| Effective Date: Sunday, December 1, 2024 | ||||||||
| Average Daily Balance | APY | APR | Minimum balance to open | Min. Balance to Earn Dividends | Dividends earned each | Dividends paid at end of each | No penalty withdrawal period | Withdrawal penalty on amount |
| $0 and up | 4.25% | 4.170% | $5.00 | $1.00 | Day | Month | 1st 5 days of each month |
15 days dividends |
| CW IRA Savings | ||||||||
| Effective Date: Sunday, December 1, 2024 | ||||||||
| Average Daily Balance | APY | APR | Minimum balance to open | Min. balance to earn dividends | Dividends earned each | Dividends paid at end of each | No penalty withdrawal period | Withdrawal penalty on amount |
| $0 and up | 4.25% | 4.170% | $2,000.00 | $1.00 | Day | Month | Any time | None |
CW Loan Rates
Rates subject to change without notice
| CW Motor Vehicle, Motor Home, Camper Loans | ||
| Effective Date: Friday, November 15, 2024 | ||
Loan Rates As Low As... | ||
| Year | APR | Term |
| 2021-2025 | 6.99% | 0-48 Months |
| 2021-2025 | 7.49% | 49-60 Months |
| 2021-2025 | 7.99% | 61-72 Months |
| 2021-2025 | 8.49% | 73-78 Months |
| 2020 & Older | 8.49% | 0-48 Months |
| 2020 & Older | 8.99% | 49-60 Months |
| 2020 & Older | 9.49% | 61-72 Months |
| 2020 & Older | 9.99% | 73-78 Months |
| Add 2.0% for all Sports Utility Units (non-auto) | ||
| The term in months may vary from that shown above based on the applicant's credit profile, or the type, mileage, and condition of the vehicle. | ||
| CW Credit Cards | |
| Effective Date: Saturday, September 28, 2024 | |
Loan Rates As Low As... | |
| Name | APR |
| CW Platinum | 11.99% |
| CW Rewards | 17.99% |
| If you pay your balance in full each month you will not be charged any interest. You will have the option to pay by mail, by phone, online, or directly from your CW account. | |
| CW Share Secured Loans | |
| Effective Date: Friday, November 15, 2024 | |
| APR | Maximum Term |
| 5.99% APR fixed | 84 months |
| CW Personal Loans | |
| Effective Date: Friday, November 15, 2024 | |
Loan Rates As Low As... | |
| APR | Maximum Term |
| 10.99% APR Fixed | 84 months |
| CW Home Fixture Loans | |
| Effective Date: Monday, September 16, 2024 | |
Loan Rates As Low As... | |
| APR | Maximum Term |
| 9.90% | 84 months |