Rates

Loan Rates

To determine your monthly payments, please use our handy
Loan Rates Calculator (new window/tab)

Rates are subject to change without notice. Rates are based on year of vehicle, term of loan and credit score. For current rates and details on terms and conditions contact us at 800-437-1057 or visit an office.

Loan Rates
Loans APR as low as Terms text
New/Used (2016-2019) Auto 0-48 months (up to 125%) 2.49% 48 month
New/Used Auto (2016-2019) 49-60 months (up to 125%) 2.99% 60 months
New/Used Auto (2016-2019) 61-72 months (up to 125%) 3.49% 72 months
New/Used Auto (2016-2019) 73-84 months
(up to 105% $25K or more)
4.49% 84 months
Used Auto (12-15) (up to 125%) 2.99% 48 months
Used Auto (12-15) (up to 125%) 3.49% 60 months
Used Auto (12-15) (up to 125%) 3.99% 72 months
Used Auto (12-15) (up to 125%) 4.74% 84 months
Used Auto (08-11)(up to 125%) 3.74% 48 months
Used Auto (08-11) (up to 125%) 4.49% 60 months
Used Auto (2007 and older) (up to 125%) 5.49% 48 months
New/Used Motorcycle/ATV (16-19) 3.74% 48 months
New/Used Motorcycle/ATV (16-19) 4.24% 60 months
New/Used  Motorcycle/ATV (16-19) 4.74% 72 months
Used Motorcycle/ATV (12-15) 4.24% 48 months
Used Motorcycle/ATV  (12-15) 4.74% 60 months
Used Motorcycle/ATV (12-15) 5.24% 72 months
Used Motorcycle/ATV
(08-111)
4.74% 48 months
Used Motorcycle/ATV
(08-11)
5.49% 60 months
Used Motorcycle/ATV
07-older
6.49% 48 months
New Boat 9.24% up to 72 months
Used Boat 9.74% up to 72 months
New RV 9.24% up to 72 months
Used RV 9.74% up to 72 months
Personal-Signature Loans 6.99% up to 60 months
Share Secured 3.25% up to 120 months
Certificate Secured – Certificate rate plus 3.00% 3.00% up to 120 months
Loan Plus Checking – Line of Credit 10.25%
Visa Platinum Credit Card
Rates based on credit score 10.74%-17.99%
10.74% n/a

*Annual Percentage Rate is based on credit score and term

For example: New Auto Loan rate of 2.49% for 48 months, payment is $21.91 per $1000.00 borrowed

The APR may vary for Loan Plus Lines of Credit, Share Secured and Certificate Secured loans since the rate can change during the term of the loan.

Mortgage Rates

To determine your monthly or annual payments,
please use our handy Mortgage Rates Calculator

First Mortgage/Refinanced
Fixed Rate with Escrow
10-30 years
Most current mortgage rates
Adjustable Rate Mortgages-ARM’s
Program Rates as low as
3/1 3.625%
5/1 3.625%
7/1 3.875%
Bi-Weekly Mortgage Program-No Escrow
Program Rates as low as
15 year term 4.25%
Home Equity Loans
Program Rates as low as Term
Home Equity Fixed 5 years 2.25% 60 months
Home Equity Fixed 7 years 2.75% 84 months
Home Equity Fixed 10 years 3.25% 120 months
Home Equity LOC 4.50% 300 months
Home Equity Line of Credit
1 year special
1.99% 300 months
rate will adjust after 1 year
Lot Loans
Program Rates as low as Terms
Lot Loans- 3 year balloon 4.50% 36 months
Lot Loans- 5 year balloon 4.99% 60 months

Blanket Mortgages available

Construction Loans available

*Home Equity Line of Credit-rate based on Prime Rate minus 0.50%. Floor rate is 3.25%

Rates are as of October 1, 2018 and are subject to change without notice.
Rates are based on credit score and term. Excluding Bi-Weekly Mortgages, Home Equity Line of Credit and Lot Loans.
*30 year rates are subject to adjustments based on independent factors

Home Equity Line of Credit rate is based on the prime rate and is subject to change.
The maximum APR is 18%

Chessie will pay up to $500.00 of the closing costs for the Home Equity Products.

Payment example on a Home Equity Line of Credit:
$10,000.00 balance, monthly payment is $150.00

*Annual Percentage Rate is based on credit score and term.

example: 10 year Fixed Rate Home Equity at 3.25% for 120 months, payment is $9.78 per $1000.00 borrowed.

Rates are subject to change without notice.

Savings Rates

To determine your interest earnings, please use our handy
Savings Rates Calculator

Savings Rates as of March 15, 2013
Account Type Dividend Rate APY
Share Saving 0.25% 0.25%
Moola-Moola Saving (children’s) 0.25% 0.25%
Christmas Club 0.25% 0.25%
Vacation Club 0.25% 0.25%
Money Market Draft -Four Tier- Rates as of November 7, 2018
$2,500-$9,999 0.50% 0.50%
$10,000-$39,999 0.60% 0.60%
$40,000-$99,999 0.70% 0.70%
$100,000-$200,000 0.90% 0.90%
Over $200,000 1.25% 1.26%
Share Draft Checking Accounts
Premier Checking 0.50% 0.50%
Young at Heart Plus Checking 0.50% 0.50%
Business Interest Checking 0.25% 0.25%
IRA Rates as of March 15, 2013
Traditional IRA 1.25% 1.26%
Roth IRA 1.25% 1.26%
Educational IRA 1.25% 1.26%

*APY = Annual Percentage Yield. Annual Percentage Yield applies when dividend is reinvested in the account. Rates are subject to change without notice

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Share Certificate Rates

Share Certificate Rates as of November 7, 2018
Share Certificate Term Rate APY*
15 Month **Great Special** ( min. $500) Limited Time 2.00% 2.02%
30 Month ** Great Special** (min. $500) Limited Time 2.50% 2.53%
60 months (min. $500) 3.00% 3.04%
48 months (min. $500) 2.50% 2.53%
36 months (min. $500) 2.25% 2.27%
24-35 months (min. $500) 2.00% 2.02%
12-23 months (min. $500) 1.50% 1.51%
6-11 months (min. $500) 1.25% 1.26%
IRA Share Cert. 60 months ($500) 3.00% 3.04%
IRA Share Cert. 48 months ($500) 2.50% 2.53%
IRA Share Cert. 36 months ($500) 2.25% 2.27%
IRA Share Cert. 24-35 months ($500) 2.00% 2.02%
IRA Share Cert. 12-23 months ($500) 1.50% 1.51%
IRA Share Cert. 6-11 months ($500) 1.25% 1.26%

*APY = Annual Percentage Yield. Certificate dividends may be added back into the account, transferred to another credit union account or mailed to account holder each month. Rates are subject to change without notice. Penalty for early withdrawal on termed certificates. Term in months

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Due to current weather conditions Chessie Corporate, WMHS, Baltimore St./Drive-Thru, LaVale and Keyser Offices will be closing at 2:00 pm. today. The Grafton Branch will remain open. What's New