Current Promotions

 

SIMPLE MORTGAGE LOAN

This is a limited time mortgage option which is perfect for those who want to pay off their home within the next 5-10 years.  Low rate, no fees or costs, and the ability to customize to meet your term needs.

 

 

 

 

 

GOLD PREMIER EQUITY LOAN

Our Home Equity Line of Credit option is the perfect tool to have in your “back pocket” (literally and figuratively) for times when you may otherwise put a major purchase on a high interest charge card.   For a limited time, get our low rate line of credit plus a FREE APPRAISAL.  See details below.

 

 

 

 

HOME EQUITY LOAN

Do you have a major expense in your life?  Maybe a big wedding, home improvement project or you want to consolidate your debt into one loan.  Why not take out a fixed term, low rate home equity loan and take the stress away.   For a limited time, get our low rate HE Loan plus a FREE APPRAISAL.  See details below.

 

 

 

 

VISA BALANCE TRANSFER

Do you have a major expense in your life?  Maybe a big wedding, home improvement project or you want to consolidate your debt into one loan.  Why not take out a fixed term, low rate home equity loan and take the stress away.   For a limited time, get our low rate HE Loan plus a FREE APPRAISAL.  See details below.

 

 

 

 

1% CASH BACK WITH AUTO OR TRUCK REFI**

C1CU offers one of the most competitive auto rates in Washington state on new and used cars. It's impossible to lose when you have a great rate and a cash incentive!

 

 

 

 

OUR CD RATES ALLOW FOR GROWTH SPURTS

We’re offering our members great rates CDs. You can lock in a great rate now! This is a limited time offer for new funds.

 

 

 

 

 

EARN 0.60% APR WITH OUR MONEY MARKET ACCOUNT

Open an account with $10,000 or more for 6-months and earn money with this limited-time offer. Promotion is for new funds only.

 

 


Home Equity Loan:  *APR = Annual Percentage Rate.  4.75% APR effective as of 4-1-2016 and is subject to change.  No manufactured homes or condos.  Loan payment based on term.  Member must provide hazard insurance coverage.  ** Minimum balance of $15,000 required for free appraisal.  A fee recoupment will be collected if you payoff and close the loan within the first 36 months if there were out-of-pocket costs paid by C1CU.  All loans subject to credit approval and other underwriting criteria.  NMLS #403439


Home Equity Line of Credit:  *APR = Annual Percentage Rate.  3.99% APR is floor rate on our 80% combined loan to value Home Equity Line of Credit.  Variable rate on Premier Equity Line of Credit may change monthly and is based on Prime Rate published in the Wall Street Journal with added margin of 0% - 4% based on your credit history.  In no event will the regular APR be less than 3.99% floor or more than the lesser of 18% per annum or the maximum rate allowed by applicable law.  Payments calculated on 1.5% of existing balance ($100 min).  **Minimum opening balance of $15,000 required for free appraisal.  A fee recoupment will be collected if you payoff and close the loan within the first 36 months if there were out-of-pocket costs paid by C1CU.  All loans subject to credit approval and other underwriting criteria.  NMLS #403439


Simple Mortgage:  *APR = Annual Percentage Rate.  APR effective as of 04/01/2016 and is subject to change.  Financing available on all owner-occupied homes in WA State, not currently financed at C1CU.  No manufactured homes or condos.  Borrow up to 70% of appraised value not to exceed $150,000.  Minimum loan amount is $30,000.  Only first liens are eligible.  Loan payment based on term.  Member must provide hazard insurance coverage. **If the mortgage is closed within the first 36 months, all third party costs will be due at payoff.  Full appraisal cost, if required and mutually agreed upon, are not included.  Member pays taxes and insurance.  All loans are subject to credit approval and other underwriting criteria. NMLS #403439


Money Market:  All Community 1st Money Market Accounts are federally insured and easily accessible by check or funds transfer.  *Annual Percentage Yield. Rate guaranteed for 6 months. At the end of 6 months, the rate will convert to the Classic Money Manager rate (currently 0.10% APY). If, at any time, the account falls below $10,000, the rate will be reduced to the Share Savings rate (currently 0.10% APY) and incur a monthly service fee. Requires a minimum opening deposit of $10,000 from funds not currently on deposit with C1CU. Fees may reduce earnings on this account. All annual percentage yields (APYs) are accurate as of April 1, 2016. Subject to limitations and restrictions detailed in disclosures available at the time the account is activated. This offer is available for a limited time.


Visa Balance Transfer:  *APR – Annual Percentage Rate. 3.49% APR promo on balance transfers for 6 months. After that, variable rate will be 11.15% - 18.15& APR based on your creditworthiness. Transfer amount is subject to credit limit availability. See our credit card application for terms and conditions. Promo APR not applicable on existing C1CU Visa account balances. This is a limited time offer.


$250 Instant Cash Offer: 1% instant cash back not to exceed $250 on refinances from other financial institutions with a minimum loan amount of $10,000. Loan must stay open a minimum of 6 months or cash back will be collected at payout.  This is a limited time offer. All loans are subject to approval. Your rate and term are determined by your credit  history and loan amount. Refinance not applicable on existing C1CU Loans. Not valid with other offers.


CDs:  *APY = Annual Percentage Yield. If you redeem your CD before it matures, you may have to pay an "early withdrawal" penalty or forfeit a portion of the interest you earned. Special Promo CD is for funds not currently on deposit with C1CU. Minimum to open promo CD is $10,000. Rate will be indexed from our regular certificate rates as follows:30mo to 24mo; 18mo to 12mo; and 9mo to 6mo. A penalty may be imposed for early withdrawals. The account will automatically renew at the end of the term to the regular certificate rates (30mo to 24mo; 18mo to 12mo; and 9mo to 6mo). Dividends are paid monthly by posting to an account or by adding to the certificate balance each month. This is a limited time offer, subject to limitations and restrictions.