Circle image

Personal Rates

New & Used Auto Promotion

Loan Type Modal Year Fixed APR* Term
New Auto 2023 & newer As low as 5.99% Up to 66 months
New Auto 2023 & newer As low as 6.49% Up to 75 months
New Auto 2023 & newer As low as 6.99% Up to 84 months
Used Auto 2018-2022 As low as 5.99% Up to 66 months
Used Auto 2018-2022 As low as 6.49% Up to 75 months
Used Auto 2018-2022 As low as 6.99% Up to 84 months
Used Auto 2014-2017 As low as 6.99% Up to 60 months
*Annual Percentage Rate. Online application and automatic payment discounts do not apply to promotional rates.


Fixed Motorcycle Loans

Loan Type Modal Year Fixed APR* Term
New Motorcycle 2023 & newer As low as 9.50% Up to 66 months
New Motorcycle 2023 & newer As low as 10.50% Up to 75 months
Used Motorcycle 2023 & newer As low as 10.00% Up to 66 months
Used Motorcycle 2023 & newer As low as 11.00% Up to 75 months
Used Motorcycle 2018-2022 As low as 10.25% Up to 48 months
Used Motorcycle 2018-2022 As low as 11.25% Up to 66 months
Used Motorcycle 2014-2017 As low as 11.75% Up to 48 months
Used Motorcycle 2014-2017 As low as 12.00% 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 2014-2017 As low as 14.10% Up to 60 months

Boats & Recreational Vehicle Loans

Loan Type Model Year Fixed  APR* Term
New Boat or RV 2023 & newer As low as 12.25% Up to 48 months
New Boat or RV 2023 & newer As low as 12.50% Up to 60 months
Used Boat or RV 2018-2024 As low as 13.75% 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 7.75% Requires automatic payment from CVFCU checking account
Prime Rate Equity Line of Credit As low as 8.25%
5 Year Equity Loan Promotion¹ As low as 5.99% 60 month fixed rate. Offer available for a limited time. Up to 80% Loan to Value.
10 Year Equity Loan Promotion² As low as 6.49% 120 month fixed rate. Offer available for a limited time. Up to 90% Loan to Value.
15 Year Equity Loan Promotion² As low as 6.99% 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 5.49% Up to 12 months
Personal Loan Promotion As low as 6.49% Up to 24 months
*Annual Percentage Rate (APR). Interest rates range from 4.99% to 17.99% and are subject to credit approval. Representative example of loan repayment terms: For $2,500 borrowed over 12 months at 4.99% Annual Percentage Rate (APR), the monthly payment is $214. 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 9.99% 12 months
Personal Loan Promotion As low as 10.99% 24 months
Personal Loan Promotion As low as 11.99% 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 5.49% Annual Percentage Rate (APR), the monthly payment is $215. This example is an estimate only and assumes all payments are made on time.



Personal Loans

Account Type APR* Comments
Personal Line of Credit 14.25% Variable rate
Consolidation Loan 18.00% 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 14.25% Variable
Visa Classic 16.25% Variable
*Annual Percentage Rate.


Savings & Checking

Account Type APY Minimum Balance Minimum to Earn Interest
Share Savings 0.10% $5.00 $250.00
Christmas Club 0.75% $5.00 $5.00
Branchless Checking 0.05% $0 $500.00
Interest Checking 0.05% $250.00 $750.00
Preferred Checking 0.05% $1,200.00 $1,200.00
Dominion Club Checking 0.05% $1,000.00 $1,000.00


Money Market

Account Type APY Minimum Balance
MM Savings 0.10% $500.00
MM Gold 0.75% $2,500.00
MM Preferred 0.80% $10,000.00
MM Platinum 1.00% $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 1.45%
6 Month Preferred 1.50%
12 Month 1.75%
12 Month Preferred 1.80%
24 Month 1.85%
24 Month Preferred 1.90%
36 Month 1.95%
36 Month Preferred 2.00%
*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.