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Central Virginia Federal CU RatesAuto & Motorcycle Loans - Fixed RateLoan rates are based on credit history, term, and loan-to-value. Annual Percentage Rate (APR) may change without notice. | Account Type | Model Year | Term | Fixed APR | Comments | | | New Auto Promotion | 2006 and newer | Up to 84 Months | As low as 5.99% | For a Limited Time! | | | Used Auto Promotion | 2001-2005 | Up to 48 Months | As low as 5.99% | For a Limited Time! |
Annual Percentage Rate. *Lowest rate includes 1/4% discount for automatic payment. Internet application discount does not apply to promotional rates.
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Auto & Motorcycle Loans - VariableLoan rates are based on credit history, term, and loan-to-value. Annual Percentage Rate (APR) may change without notice. | Account Type | Model Year | Term | APR | | | New Auto | 2008 and newer | Up to 72 Months | As low as 6.25% | | | Used Auto | 2007-2008 | Up to 72 Months | As low as 6.25% | | 2005-2006 | Up to 66 Months | As low as 7.00% | | 2001-2004 | Up to 66 Months | As low as 8.50% | | 1998-2000 | Up to 66 Months | As low as 9.60% |
Annual Percentage Rate. Lowest rate includes 1/4% rate discount for online application.
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Boats & Recreational Vehicles - Fixed RateLoan rates are based on credit history, profile, and loan terms. Annual Percentage Rate (APR) may change without notice. | Account Type | Model Year | Term | Fixed APR | | | New Boat | 2008 and newer | Up to 66 Months | As low as 8.25% | | | New RV | 2008 and newer | Up to 66 Months | As low as 8.25% | | | Used Boat | | Up to 66 Months | As low as 9.75% | | | Used RV | | Up to 66 Months | As low as 9.75% |
Annual Percentage Rate. Lowest rate includes 1/4% rate discount for online application.
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Boats & Recreational Vehicles - VariableLoan rates are based on credit history, term, and loan-to-value. Annual Percentage Rate (APR) may change without notice. | Account Type | Model Year | Term | APR | | | New Boat | 2008 and newer | Up to 66 Months | As low as 8.25% | | | New RV | 2008 and newer | Up to 66 Months | As low as 8.25% | | | Used Boat | | Up to 66 Months | As low as 9.75% | | | Used RV | | Up to 66 Months | As low as 9.75% |
Annual Percentage Rate. Lowest rate includes 1/4% rate discount for online application.
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Home Equity Loans & Lines of Credit| Account Type | APR | Comments | | | 5 Year Equity Loan Promotion | as low as 5.74% | 60 month fixed rate. Offer available for a limited time! | | | 10 Year Equity Loan Promotion | as low as 6.49% | 120 month fixed rate.Offer available for a limited time! | | | 15 Year Equity Loan Promotion | as low as 6.99% | 180 month fixed rate. Offer available for a limited time! | | | Preferred Prime Rate Equity Line of Credit | as low as 5.00% | Preferred Rate requires automatic payment from a CVFCU Checking Account | | | Prime Rate Equity Line of Credit | as low as 5.50% | 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 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.
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Mortgage LoansRates subject to change daily.
For current mortgage rates, please call 434/528-9016 or 800/335-0069. | 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. |
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Personal Loans| Account Type | APR | Comments | | | Personal Loan | As low as 9.75% | 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. | | | Term Loan (30-90 days) | As low as 17.25% | Fixed Rate | | | Credit Rebuilder Loan | As low as 17.25% | Fixed Rate |
Annual Percentage Rate. Includes 1/4% discount for online application and 1/2% discount for automatic payment.
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Credit Cards| Account Type | APR | | | VISA Platinum | 8.99% fixed | | | VISA Gold | 10.00% variable | | | VISA Classic | 12.00% variable |
Annual Percentage Rate.
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Checking & Savings Accounts| Account Type | Annual Percentage Yield | Min. Balance | Comments | | | Share Savings | 1.00% | $5.00 | Minimum $250.00 to earn interest | | | Christmas Club | 1.40% | $5.00 | Minimum $5.00 to earn interest | | | Branchless | 0.25% | $0.00 | Minimum $500.00 to earn interest | | | Dominion Club Checking | 0.35% | $1,000.00 | Minimum $1000.00 to earn interest | | | Interest Checking | 0.50% | $250.00 | Minimum $750.00 to earn interest | | | Preferred Checking | 0.70% | $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.
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IRAs| Account Type | Annual Percentage Yield | | | Coverdell Education Savings Account | 2.02% | | | Traditional IRA | 2.02% | | | Roth IRA | 2.02% |
Rates are subject to change without notice. For current rate information, please call 800/335-0069. Click Here for complete disclosure information.
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Money Market Accounts| Account Type | Annual Percentage Yield | Min. Balance | | | MM Savings | 1.05% | $500.00 | | | MM Gold | 1.40% | $2,500.00 | | | MM Preferred | 1.90% | $10,000.00 | | | MM Platinum | 2.15% | $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.
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Certificates| Account Type | Term | Annual Percentage Yield | Comments | | | 6 Month Certificate | 6 Months | 2.50% | With no active CVFCU checking account or credit card | | | 6 Month Certificate Preferred | 6 Months | 2.75% | Requires an active CVFCU checking account or CVFCU credit card | | | 12 Month Certificate | 12 Months | 2.90% | With no active CVFCU checking account or credit card | | | 12 Month Certificate Preferred | 12 Months | 3.15% | Requires an active CVFCU checking account or CVFCU credit card | | | 24 Month Certificate | 24 Months | 3.00% | With no active CVFCU checking account or credit card | | | 24 Month Certificate Preferred | 24 Months | 3.25% | Requires an active CVFCU checking account or CVFCU credit card | | | 36 Month Certificate | 36 Months | 3.05% | With no active CVFCU checking account or credit card. | | | 36 Month Certificate Preferred | 36 Months | 3.30% | 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.
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