The future of banking is digital, so we’ve made it easy to use
Easily view, manage, transfer, or deposit funds from anywhere there’s an internet connection or a mobile
Benefits You'll Love
- Deposit checks in a few simple steps
- View eStatements and monitor account activity
- Conveniently make loan payments from home or the office
- Use Apple Pay® and Android Pay™ for faster purchasing
- Free, secure, and easy-to-use service for Cherokee County FCU members
- Manage a number of banking activities anytime, anywhere with internet access:
- Check account balances
- Verify account history
- Transfer funds between accounts
- View canceled checks
- Make loan payments
- Access eStatements
- Make more time for yourself — spend less time at a branch
- Print or download to popular financial management software
Get Started
Contact us to sign up for online banking today!
With the Cherokee County FCU Mobile Banking App, you can safely and securely access your accounts anytime, anywhere. Our mobile app is FREE and allows you to:
- Pay bills or pay your friends!
- Deposit checks
- View your account balance(s)
- View account activity
- Transfer funds
- Locate a branch or ATM
- Contact our Member Service
- Share our app with friends and family.
Download our app today for
- Save paper and save the environment
- Fast, free, and easy alternative to paper statements
- Easier to retrieve info when needed
- Eliminate a paper trail
- Reduce chances of fraud and identity theft
- Arrive faster than paper statements
- Simplify recordkeeping
- Easily access past statements
- Ability to download for permanent storage or print if needed
- Receive email notice when new eStatement is ready
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Checking (Share Draft) Account
| Account Type | Rate | APY | Requirements |
|---|---|---|---|
| Cherokee Checking | 0.05% | 0.05% | $300.00 minimum (below minimum fee $3.00) |
| Cherokee Checking Plus | 0.05% | 0.05% | $2,500.00 minimum |
| Cherokee Checking Bonus | 0.10% | 0.10% | $2,500.00 minimum No more than 6 Withdrawals a month |
IRA Term Share Accounts
| Length | Requirement | Rate | APY |
|---|---|---|---|
| 12 Month | $1,000.00 Minimum | 1.80% | 1.81% |
| 24 Month | $1,000.00 Minimum | 1.80% | 1.81% |
| 26 Month | $25,000.00 Minimum | 2.00% | 2.01% |
New Auto Loans
| Beacon Score | Up to $35,000.00 Up to 72 months Secured loan All rates stated APR |
Over $35,000.01 *84 months Secured loan All rates stated APR |
|---|---|---|
| 720+ | 5.90% | 6.40% |
| 680-719 | 6.90% | 7.40% |
| 640-679 | 7.90% | 8.40% |
| 600-639 | 11.15% | 11.65% |
| 555-599 | 15.15% | 15.65% |
| 554 & below | 17.15% | 17.65% |
Share & IRA Savings Dividends
| Account Type | Balance | Rate | APY |
|---|---|---|---|
| Share Savings/IRA Savings | $100.00 - $2,500.00 | 0.10% | 0.10% |
| " " | $2,500.01 - $5,000.00 | 0.20% | 0.20% |
| " " | $5,000.01 - $10,000.00 | 0.25% | 0.25% |
| " " | $10,000.01 - $25,000.00 | 0.30% | 0.30% |
| " " | $25,000.01 and Up | 0.35% | 0.35% |
| Escrow Savings | 0.00% | 0.00% |
Rates declared quarterly based on Credit Union earnings. Quarter ending 3/31/2025.
Share Certificates
| Length | Requirement | Rate | APY |
|---|---|---|---|
| 12 Month | $1,000.00 Minimum | 1.80% | 1.81% |
| 24 Month | $1,000.00 Minimum | 1.80% | 1.81% |
| 26 Month | $25,000.00 Minimum | 2.00% | 2.01% |
Unsecured Loans
| Beacon Score | *Unsecured Loans |
|---|---|
| 720+ | 9.00% |
| 680-719 | 10.00% |
| 640-679 | 11.00% |
| 600-639 | 14.00% |
| 555-599 | 16.00% |
| 554 & below | 18.00% |
Used Auto Loans
| Vehicle Age | Term |
Beacon Score |
All rates stated APR |
|---|---|---|---|
| 1 Yr. Old | 72 months | 720+ | 6.70% |
| 2 Yrs. Old | 72 months | 680-719 | 7.70% |
| 3 Yrs. Old | 72 months | 640-679 | 8.70% |
| 4 Yrs. Old | 60 months | 600-639 | 11.95% |
| 5 Yrs. Old | 60 months | 555-599 | 15.95% |
| 6 Yrs. Old | 48 months | 554 & below | 17.95% |
| 7 Yrs. Old | 48 months |