Rates

Auto & Motorcycle Loans

Standard Rate

Account Type	Model Year	Fixed APR	Term	Comments
New Auto Promotion	2008 and newer	As low as 4.49%	Up to 84 Months	For a Limited Time!
Used Auto Promotion	2003-2007	As low as 4.49%	Up to 60 Months	For a Limited Time!
New Auto & Motorcycle	2010 and newer	As low as 4.75%	Up to 72 months
Used Auto & Motorcycle	2009-2010	As low as 4.75%	Up to 72 months
Used Auto & Motorcycle	2007-2008	As low as 5.50%	Up to 60 months
Used Auto & Motorcycle	2003-2006	As low as 7.00%	Up to 60 months
Annual Percentage Rate. Lowest rate includes 1/4% discount for online application and 1/2% discount for automatic payment.  Internet application discount does not apply to promotional rates.  Return to top

Variable

Account Type	Model Year	APR	Term
Used Auto & Motorcycle	2000-2002	As low as 9.60%	Up to 60 Months
Annual Percentage Rate. Lowest rate includes 1/4% discount for online application and 1/2% discount for automatic payment.  Return to top

Boats & Recreational Vehicles

Standard Rate

Account Type	Model Year	Fixed APR	Term
New Boat	2010 and newer	As low as 7.50%	Up to 60 Months
New RV	2010 and newer	As low as 7.50%	Up to 60 Months
Used Boat	2003-2010	As low as 9.00%	Up to 60 Months
Used RV	2003-2010	As low as 9.00%	Up to 60 Months
Annual Percentage Rate. Lowest rate includes 1/4% rate discount for online application and 1/2% rate discount for automatic payment.  Return to top

Home Equity

Home Equity Loans & Lines of Credit

Account Type	APR	Comments
Home Equity Loan	as low as 7.00%	Borrow up to 95% of your home's equity.
5 Year Equity Loan Promotion	as low as 6.00%	60 month fixed rate. Offer available for a limited time!
Preferred Prime Rate Equity Line of Credit	as low as 3.25%	Preferred Rate requires automatic payment from a CVFCU Checking Account
Prime Rate Equity Line of Credit	as low as 3.75%	Without automatic payment CVFCU Checking Account
Home Equity Lines of Credit are based on the current Wall Street Journal Prime Rate Index Table. Member's rate may be higher based on creditworthiness.  Credit limit amounts are based on Loan-to-Value (LTV). Homeowner's insurance is required.  Consult your tax advisor regarding deductibility of interest. Annual Annual Percentage Rate (APR) is variable and subject to change without notice.  Lowest rates include all applicable discounts. Online application discount does not apply. Home Equity Loans are based on the current Six Month Treasury Bill Rate Index Table. *Five Year Promotion - up to 80% Loan to Value  Return to top

Mortgages

Mortgage Loans

Account Type	Term	Comments
First Mortgage	Up to 30 years	Conventional, Fixed and Adjustable rates available.
Mortgage Refinance	Up to 30 years	Conventional, Fixed and Adjustable rates available.
Second Mortgage	Up to 15 years	Fixed and Adjustable rates available.
Return to top

Personal Loans

Account Type	APR	Comments
Personal Loan	As low as 9.49%	Variable Rate
Personal Line of Credit	As low as 9.75%	Variable Rate
Consolidation Loan	As low as 14.75%	Variable Rate
Share Secured Loan	Varies	Variable rate equal to 3% above current share rate.
30-60-90 Day Advance	As low as 18.00%	Standard Rate
Annual Percentage Rate. Lowest rate includes 1/4% discount for online application and 1/2% discount for automatic payment.  Return to top

Credit Cards

Account Type	APR
Visa Secured	5.99% fixed
VISA Platinum	8.99% fixed
VISA Gold	9.75% variable
VISA Classic	11.75% variable
Annual Percentage Rate.  Return to top

Checking & Savings Accounts

Account Type	Annual Percentage Yield	Minimum Balance	Comments
Share Savings	0.45%	$5.00	Minimum $250.00 to earn interest
Christmas Club	0.60%	$5.00	Minimum $5.00 to earn interest
Dominion Club Checking	0.15%	$1,000.00	Minimum $1000.00 to earn interest
Branchless	0.10%	$0.00	Minimum $500.00 to earn interest
Interest Checking	0.20%	$250.00	Minimum $750.00 to earn interest
Preferred Checking	0.30%	$1,200.00	Minimum $1,200.00 to earn interest
Rates are subject to change without notice. For current rate information, please call 800/335-0069. Click Here for complete disclosure information.  Return to top

IRAs

Account Type	Annual Percentage Yield
Coverdell Education Savings Account	1.41%
Traditional IRA	1.41%
Roth IRA	1.41%
Rates are subject to change without notice. For current rate information, please call 800/335-0069. Click Here for complete disclosure information.  Return to top

Money Market Accounts

Account Type	Annual Percentage Yield	Minimum Balance
MM Savings	0.55%	$500.00
MM Gold	0.60%	$2,500.00
MM Preferred	0.65%	$10,000.00
MM Platinum	0.70%	$25,000.00
Rates are subject to change without notice. For current rate information, please call 800/335-0069. Click Here for complete disclosure information.  Return to top

Certificates

Account Type	Annual Percentage Yield	Term	Comments
6 Month Certificate	0.65%	6 Months	With no active CVFCU checking account or credit card
6 Month Certificate Preferred	0.90%	6 Months	Requires an active CVFCU checking account or CVFCU credit card
12 Month Certificate	0.90%	12 Months	With no active CVFCU checking account or credit card
12 Month Certificate Preferred	1.15%	12 Months	Requires an active CVFCU checking account or CVFCU credit card
24 Month Certificate	1.15%	24 Months	With no active CVFCU checking account or credit card
24 Month Certificate Preferred	1.40%	24 Months	Requires an active CVFCU checking account or CVFCU credit card
36 Month Certificate	1.40%	36 Months	With no active CVFCU checking account or credit card.
36 Month Certificate Preferred	1.65%	36 Months	Requires an active CVFCU checking account or CVFCU credit card.
Rates are subject to change without notice. For current rate information, please call 800/335-0069. Early withdrawal penalties apply.  Click Here for complete disclosure information.  Return to top

Announcements

Website Maintenance

CVFCU.com	Fixed APR
CVFCU.com	will be unavailable 7:00 am - 1:00 pm, Wednesday, July 28.
Return to top