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| Personal Loans | Terms | APR* |
|---|---|---|
| Personal (Unsecured) | Up to 60 Months | As low as 8.24%** |
| Unsecured Home Improvement | Up to 84 Months | As low as 8.99%** |
| Share Secured (Regular Shares) | Up to 60 Months | 4.50% |
| Certificate Secured | Up to 60 Months | CD Rate + 2.00% |
| Credit Cards | APR** |
|---|---|
| Visa® Platinum Credit Card | 11.50% - 17.50%^^ |
| Visa® Platinum Share Secured Credit Card | 11.50% - 17.50%^^ |
| Visa® Platinum Rewards Credit Card | 14.50% -20.50%^^ |
| Auto Loans | Terms | APR* |
|---|---|---|
| New Car (Model Years 2024 & less than 5000 miles) | Up to 84 Months | As low as 5.74% for 48 months^ |
| Used Car (Model Years 2023 to 2019) | Up to 72 Months | As low as 5.99% for 48 months^ |
| Used Car (Model Years 2018 to 2016) | Up to 48 Months | As low as 7.24% for 36 months^ |
| Used Car (Model 2015 to 2014) | Up to 36 Months | As low as 7.99% for 36 months^ |
| New Motorcycle | Up to 60 Months | As low as 7.74% for 48 months^ |
| Used Motorcycle | Up to 60 Months | As low as 8.49% for 48 months^ |
| Loan Type | Payment Example Per $1,000 Financed | Min Loan | Terms | APR* |
|---|---|---|---|---|
| Home Equity Line of Credit (HELOC) | $5.95 | $25,000 | 300 Months | Intro Rate 7.50%^ |
| Secondary Residence and Investment Property (HELOC) | $7.73 | $25,000 | 180 Months | As low as 9.25%^^ |
| Home Equity (Fixed Rate, 80% LTV Financing) | $19.27 | $25,000 | 5 Years | As low as 6.24%^^^ |
| Home Equity (Fixed Rate, 80% LTV Financing) | $11.23 | $25,000 | 10 Years | As low as 6.615%^^^ |
| Home Equity (Fixed Rate, 80% LTV Financing) | $8.71 | $25,000 | 15 Years | As low as 6.685%^^^ |
| Account | Balance Requirements | Dividend Rate | APY* |
|---|---|---|---|
| Regular Share | $5 | 0.05% | 0.05% |
| Special Share | $5 | 0.05% | 0.05% |
| Holiday Club | $5 | 0.05% | 0.05% |
| Vacation Club | $5 | 0.05% | 0.05% |
| Money Market Share | $1,000 or Higher | 0.05% | 0.05% |
| High Yield Money Market | $0–$2,499 $2,500–$24,999.99 $25,000–$74,999.99 $75,000–$99,999.99 $100,000 or Higher | 0.05% 0.30% 0.50% 0.70% 1.09% | 0.05% 0.30% 0.50% 0.70% 1.10% |
| Ask Us About Our Specials! | Ask Us About Our Specials! | Ask Us About Our Specials! | Ask Us About Our Specials! |
| IRA | $5/$100 to earn APY* | 0.05% | 0.05% |
| HSA†| Balance under $2,500 $2,500–$5,000 Balance over $5,000 | 0.20% 0.30% 0.40% | 0.20% 0.30% 0.40% |
| Regular Checking | $20 to open | 0.00% | 0.00% |
| Student Checking | $20 to open | 0.00% | 0.00% |
| Flaggship Plus Checking | 0.05%** | 0.05%** | |
| Flaggship Plus 50 Checking | 0.05%** | 0.05%** |
| Account | Balance Requirements | Dividen Rate | APY* |
|---|---|---|---|
| 3 Months | $1,000 | 0.40% | 0.40% |
| 6 Months | $1,000 | 0.60% | 0.60% |
| 12 Months | $1,000 | 1.00% | 1.00% |
| Special 13 Months* | $1000 | 4.64% | 4.75% |
| 18 Months | $1,000 | 1.10% | 1.10% |
| 24 Months | $1,000 | 1.19% | 1.20% |
| 30 Months | $1,000 | 1.29% | 1.30% |
| Special 33 Months* | $1000 | 3.45% | 3.50% |
| 36 Months | $1,000 | 1.34% | 1.35% |
| 48 Months | $1,000 | 2.47% | 2.50% |
| 60 Months | $1,000 | 2.47% | 2.50% |
| Jumbo CD | $50,000 | Div is 110% of regular rate, min 5bp max 25bp added. Increased rate does not apply to CD Specials. |
| Service | Fee |
|---|---|
| Insufficient / Uncollected Funds | $30 |
| Check Photocopies | $1 |
| Stop Payment Order | $25 |
| Checking Account Balancing / Research Entry | $30 |
| Additional Research Per Hour | $20 |
| Courtesy Pay Fee (per item) | $34 |
| **Flaggship Plus 50 Checking Fee (monthly) | $4 |
| **Flaggship Plus Checking (monthly) | $6 |
| ATM Fee (per trans in excess of account type) | $1 |
| Redeposited Items | $15 |
| Re-Issue of ATM/Debit Card (lost card) | $7 |
| Rush Order ATM/Debit Card | $32 |
| Inactive Home Banking (no log-in for 90 days) (monthly) | $3 |
| Bill Payment Monthly (reg share draft ckg for bal <$500) | $6 |
| Non-CPFCU ATM Fee (excl Sum/Co-op) | $1 |
| Closed Account Fee | $5 |
| Dormant Account Maintenance/Quarter | $5 |
| Official CU/Teller check (3rd party payees) | $3 |
| Official CU/Teller check stop payment | $30 |
| Returned Mail/Change of address | $5 |
| Statement of Record Copy/Photocopy of CU Check | $5 |
| H.S.A. fee (waived under various circumstance)(monthly) | $5 |
| Overdraft Transfer (per item) | $5 |
| Mortgage loan subordination | $150 |
| IRA Account closing | $30 |
| Personal appearance Fee for legal matters | $175 |
| Real Estate Loan application fee | $395 |
| Lien/Warrant/Sheriff Fee | $50 |
| Wire Transfer - Incoming | $10 |
| Wire Transfer - Outgoing | $30 |
If you live, work, worship, or learn anywhere in New Haven County, we welcome you to call us or click here with questions on any CrossPoint home equity loan or line of credit, mortgage, personal loan, Visa credit card, used car loan, or new car loan program. CrossPoint Federal Credit Union is proud to serve New Haven, Waterbury, Wallingford, Meriden, Ansonia, Beacon Falls, Bethany, Branford, Cheshire, Derby, East Haven, Guilford, Hamden, Madison, Middlebury, Milford, Naugatuck, North Branford, North Haven, Northford, Orange, Oxford, Prospect, Seymour, Southbury, West Haven, Wolcott, Woodbridge.