Effective 11.1.2024

Savings Account Rates

  • Share Savings & Checking
    Account type From To Dividend APY(1)
    Share Savings $5 $50,000 0.075% 0.075%
    Share Savings $50,001 $100,000 0.10% 0.10%
    Share Savings $100,001 and up 0.15% 0.15%
    Reward Checking* $0 $5,000 5.00% 5.00%
    Reward Checking* $5,001 $10,000 5.00% 5.00%
    Holiday Club $0 and up 0.10% 0.10%
    Vacation, Travel  $0 and up 0.10% 0.10%
    Escrow $0 and up 0.10% 0.10%
    Money Market $0 $50,000 1.50% 1.50%
    Money Market $50,001 $100,000 2.00% 2.00%
    Money Market $100,00 $250,000 3.00% 3.00%
    Money Market $250,001 and up 3.50% 3.50%

    *Reward Checking must meet certain criteria to earn the dividend posted. See qualifications here.

  • IRA (Roth And Traditional)
    Account Type From To Dividend APY(1)
    IRA $0 $50,000 0.40% 0.40%
    IRA $50,001 $100,000 0.45% 0.45%
    IRA $100,001 and up 0.50% 0.50%
  • Share and IRA Certificates (CDs)
    Term Open Minimum Earn Minimum Dividend APY(1)
    5 Month Promo (new money only) $500 $500 4.46% 4.55%
    6 Month Promo (new money only) $500 $500 4.41% 4.50%
    8 Month Promo (new money only) $500 $500 4.17% 4.25%
    12 month $500 $500 2.96% 3.00%
    18 Month $500 $500 2.96% 3.00%
    24 month $500 $500 2.48% 2.50%
    36 month $500 $500 2.23 2.25%
    60 month $500 $500 2.00% 2.01%

Loan Rates

Certain product exclusions apply. You must be able to show proof of competitor’s rate. Loan must be $5,000 or greater. Terms of program subject to change. current citymark loans are not eligible. Not available on any home loan products. Lowest rate matched down is our lowest stated rate.

  • New Vehicle Loans
    Year Term APR (As Low As) (2)
    2023-2024 24 Months 5.49%
    2023-2024* 36 Months 5.49%
    2023-2024 48 Months 6.19%
    2023-2024* 60 Months 6.29%
    2023-2024* 72 Months 6.49%
    2023-2024* 84 Months 6.99%
    2023-2024* 96 Months 7.19%

    *2023 models qualify for new car rates if the mileage is less than 25,000.

  • Used Vehicle Loans
    Year Term APR (AS LOW AS) (2)
    2013-2023 24 Months 5.99%
    2013-2023 36 Months 5.99%
    2013-2023 48 Months 6.29%
    2013-2023 60 Months 6.39%
    2013-2023 72 Months 6.69%
    2013-2023 84 Months 7.09%
    2013-2023 96 Months 7.49%
  • Motorcycles(Registered)
    Year Term APR (As Low As) (2)
    2013-2024*  36 Months 5.99%
    2013-2024*  48 Months 6.69%
    2013-2024*  60 Months 6.79%
    2013-2024*  72 Months 6.99%
    2013-2024*  84 Months 7.49%
    2013-2024* 96 Months 7.69%

    *2023 models qualify for new car rates if the mileage is less than 25,000. Rates stated are the best available rates. Rates may increase based on year and credit score. RVs are the only loan type allowed to have a term over 96 months.Older models considered on a case by case basis. Rate will aslo change based on the year of the vehicle.

  • RVs/Boats
    Year Term APR (As Low As) (2)
    2013-2024* 36 Months 6.24%
    2013-2024* 48 Months 6.94%
    2013-2024* 60 Months 7.04%
    2013-2024* 72 Months 7.24%
    2013-2024* 84 Months 7.74%
    2013-2024* 96 Months 7.94%
    2023-2024* 120 Months 8.19%
    2023-2024* 180 Months 8.69%

    *2023 models qualify for new car rates if the mileage is less than 25,000. Rates stated are the best available rates. Rates may increase based on year and credit score. Some Boats can qualify for financing up to 180 months depending on amount.Older models considered on a case by case basis.

  • ATVs/Powersports
    Year Term APR (As Low As) (2)
    2013-2024* 36 Months 6.49%
    2013-2024* 48 Months 7.19%
    2013-2024* 60 Months 7.29%
    2013-2024* 72 Months 7.49%
    2013-2024* 84 Months 7.99%
    2013-2024 96 Months 8.19%

    *2023 models qualify for new car rates if the mileage is less than 25,000. Rates stated are the best available rates. Rates may increase based on year and credit score. Some Boats can qualify for financing up to 180 months depending on amount.Older models considered on a case by case basis.

  • Signature Loans
    Loan Type Term APR (As Low As) (3)
    Personal Loan 24 Months 10.99%
    Personal Loan 36 Months 11.99%
    Personal Loan 48 Months 12.99%
    Personal Loan 60 Months 13.99%
    Personal Loan 72 Months 14.99%
    Share Secured Loan 24 Months 5.99%
    Share Secured Loan 36 Months 6.49%
    Share Secured Loan 48 Months 6.69%
    Share Secured Loan 60 Months 6.79%
    Share Secured Loan 72 Months 6.99%
  • Home Equity Loans
    Loan Type Term APR (As Low As) (3)
    HE (80% LTV) 60 Months 6.99%
    HE (80% LTV) 120 Months 7.99%
    HE (80% LTV) 180 Months 8.49%

    Real Estate must be primary residence of member and must be located in PA, NJ, or DE. Rates assume 80%LTV. If LTV goes over 80%, additional points will be added to base rate.

  • Credit Cards
    Term APR* (as low as)
    Revolving 10.99%
  • HELOC
    Term APR* (as low as)
    Up to 180 Months 8.00%

    Rate is variable and based on Prime +/-margin%. Rate can increase based on the borrower's score and LTV of the property.

  • Mortgages
    Term APR*
    Up to 25 years Call

Disclosures

All loan rates assume direct deposit re-payment. Loans without direct deposit or auto transfer from a Citymark FCU account add 0.25% onto your rate.

All loan final terms determined by Performanced Based Scoring System.  Final rates are based on credit scores and are a determining factor in the approval/denial of your loan application

1. **APY – Annual Percentage Yield

2. *APR – Annual Percentage Rate. Actual APR may vary according to payment method and any late payments made on the loan. All rates and terms are subject to change without notice.

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3. Conditions apply. Please contact credit union to review all conditions and stipulations. Rates are stated as the lowest available rate. Rates will increase based on credit score as well as other factors such as LTV, Year, Mileage, and type of vehicle.

4. “Rates my vary and adjust quarterly based on Wall Street Journal Prime Rate (Index) Maximum lifetime interest rate will not exceed 18% APR*.”

Rates are not guaranteed and are subject to change at any time. The Citymark FCU Board of Directors review saving and loan rates on a regular basis and make changes where necessary.

Please contact us for current disclosures on account terms, conditions and fees.