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Rates

New & Used Auto Promotion

Loan Type Model Year Fixed APR* Term
New Auto 2021 & newer As low as 1.99% Up to 66 months
New Auto 2021 & newer As low as 2.49% Up to 75 months
New Auto 2021 & newer As low as 2.99% Up to 84 months
Used Auto 2020-2022
As low as 1.99% Up to 66 months
Used Auto 2020-2022
As low as 2.49% Up to 75 months
Used Auto 2020-2022
As low as 2.99% Up to 84 months
Used Auto 2016-2019 As low as 1.99% Up to 66 months
Used Auto 2016-2019
As low as 2.49% Up to 75 months
Used Auto 2016-2019
As low as 2.99% Up to 84 months
Used Auto 2012-2015 As low as 2.99% Up to 60 months

*Annual Percentage Rate. Online application and automatic payment discounts do not apply to promotional rates.

Fixed Motorcycle Loans

Loan Type Model Year Fixed APR* Term
New & Used Motorcycle 2020-2021 As low as 5.00% Up to 66 months
New & Used Motorcycle 2020-2021 As low as 6.00% Up to 75 months
Used Motorcycle 2019-2021 As low as 5.00% Up to 66 months
Used Motorcycle 2019-2021 As low as 6.00% Up to 75 months
Used Motorcycle 2017-2018 As low as 5.75% Up to 48 months
Used Motorcycle 2017-2018 As low as 6.75% Up to 66 months
Used Motorcycle 2015-2016 As low as 7.25% Up to 48 months
Used Motorcycle 2015-2016 As low as 7.50% Up to 66 months

*Annual Percentage Rate. Lowest rate includes 1/4% discount for online application and 1/2% discount for automatic payment.

Variable Auto & Motorcycle Loans

Loan Type Model Year APR* Term
Used Auto & Motorcycle 2011-2014 As low as 9.60% Up to 60 months

Boats & Recreational Vehicle Loans

Loan Type Model Year Fixed APR* Term
New Boat or RV 2020-2021 As low as 7.75% Up to 48 months
New Boat or RV 2020-2021 As low as 8.00% Up to 60 months
Used Boat or RV 2015-2021 As low as 9.25% Up to 48 months

*Annual Percentage Rate. Lowest rate includes 1/4% discount for online application and 1/2% discount for automatic payment.

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.

Rates subject to change daily. For current mortgage rates, please call 434/528-9016 or 800/335-0069.

Home Equity 

Account Type APR* Comments
Preferred Prime Rate Equity Line of Credit As low as 3.25% Requires automatic payment from CVFCU checking account
Prime Rate Equity Line of Credit As low as 3.75%
5 Year Equity Loan Promotion¹ As low as 3.49% 60 month fixed rate. Offer available for a limited time. Up to 80% Loan to Value.
5 Year Equity Loan Promotion² As low as 3.75% 120 month fixed rate. Offer available for a limited time. Up to 90% Loan to Value.
5 Year Equity Loan Promotion² As low as 4.00% 180 month fixed rate. Offer available for a limited time. Up to 100% Loan to Value.

*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.

¹Representative example of loan repayment terms: For $10,000 borrowed over 60 months at 3.49% Annual Percentage Rate (APR), the monthly payment is $182. This example is an estimate only and assumes all payments are made on time. 

²For a representative example, contact your loan officer.

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.

 

Personal Loan Promotion - $2500 max

Loan Type Fixed APR* Term
Personal Loan Promotion As low as 3.99% Up to 12 months
Personal Loan Promotion As low as 4.99% Up to 24 months

*Annual Percentage Rate (APR). Interest rates range from 3.99% to 16.99% and are subject to credit approval. Representative example of loan repayment terms: For $2,500 borrowed over 12 months at 3.99% Annual Percentage Rate (APR), the monthly payment is $213. This example is an estimate only and assumes all payments are made on time.

Personal Loan Promotion - no minimum

Loan Type Fixed APR* Term
Personal Loan Promotion As low as 8.49% 12 months
Personal Loan Promotion As low as 9.49% 24 months
Personal Loan Promotion As low as 10.49% 36-60 months

*Annual Percentage Rate (APR). Interest rates range from 3.99% to 16.99% and are subject to credit approval. Representative example of loan repayment terms: For $2,500 borrowed over 12 months at 3.99% Annual Percentage Rate (APR), the monthly payment is $213. This example is an estimate only and assumes all payments are made on time.

Personal Loans

Account Type APR* Comments
Personal Line of Credit 9.75% Variable rate
Consolidation Loan 14.75% Variable rate
Share Secured Loan Varies Variable rate 3% above current share rate
30-60-90 Day Loan 18.00% Fixed rate

* Annual Percentage Rate. Lowest rate includes 1/4% discount for online application and 1/2% discount for automatic payment.

Visa Credit Cards

Account Type APR* Standard or Variable
Visa Secured 5.99% Standard
Visa Platinum 8.99% Standard
Visa Gold 9.75% Variable
Visa Classic 11.75% Variable

*Annual Percentage Rate.

Savings & Checking

Account Type APY Minimum Balance Minimum to Earn Interest
Share Savings 0.05% $5.00 $250.00
Christmas Club 0.10% $5.00 $5.00
Branchless Checking 0.03% $0 $500.00
Interest Checking 0.03% $250.00 $750.00
Preferred Checking 0.03% $1,200.00 $1,200.00
Dominion Club Checking 0.03% $1,000.00 $1,000.00

Money Market

Account Type APY Minimum Balance
MM Savings 0.05% $500.00
MM Gold 0.10% $2,500.00
MM Preferred 0.12% $10,000.00
MM Platinum 0.15% $25,000.00

IRAs

Account Type APY
Coverdell Savings Account 0.50%
Roth IRA 0.50%
Traditional IRA 0.50%

Certificates

Account Type | Term APY
6 Month 0.05%
6 Month Preferred 0.10%
12 Month 0.10%
12 Month Preferred 0.15%
24 Month 0.15%
24 Month Preferred 0.20%
36 Month 0.20%
36 Month Preferred 0.25%
*Annual Percentage Yield. Rates are subject to change without notice. Preferred Certificates require an active CVFCU checking account or CVFCU credit card. For current rate information, please call 800/335-0069. Early withdrawal penalties apply. View our Truth in Savings for complete disclosure information.