Rates

New & Used Auto Promotion

Annual Percentage Rate. Lowest rate include 1/2% discount for automatic payment.

Loan Type Model Year Fixed APR Term
New & Used Auto 2014 and newer As low as 1.99% Up to 36 months
New & Used Auto 2014 and newer As low as 1.99% Up to 48 months
New & Used Auto 2014 and newer As low as 1.99% Up to 60 months
New & Used Auto 2014 and newer As low as 3.99% Up to 72 months
New & Used Auto 2014 and newer As low as 4.49% Up to 84 months
Used Auto 2009-2013 As low as 2.99% Up to 36 months
Used Auto 2009-2013 As low as 3.49% Up to 48 months
Used Auto 2009-2013 As low as 3.99% Up to 60 months
Used Auto 2009-2013 As low as 4.49% Up to 72 months
Used Auto 2009-2013 As low as 5.49% Up to 84 months
Used Auto 2005-2008 As low as 4.99% Up to 36 months
Used Auto 2005-2008 As low as 5.49% Up to 48 months
Used Auto 2005-2008 As low as 5.99% Up to 60 months

Fixed Motorcycle Rates

Loan Type Model Year Fixed APR Term
New Motorcycle 2015 4.75% Up to 72 months
Used Motorcycle 2014 and newer 4.75% Up to 60 months
Used Motorcycle 2012-2013 5.50% Up to 60 months
Used Motorcycle 2008-2011 7.00% Up to 60 months

Variable Auto & Motorcycle Rates

Loan Type Model Year APR Term
Used Auto & Motorcycle 2007-2010 As low as 7.00% Up to 60 months
Used Auto & Motorcycle 2004-2007 As low as 8.85% Up to 60 months

Boats & Recreational Vehicles

Loan Type Model Year Fixed APR Term
New Boat 2014 As low as 7.50% Up to 60 months
New RV 2014 As low as 7.50% Up to 60 months
Used Boat 2007-2014 As low as 9.00% Up to 60 months
Used RV 2007-2014 As low as 9.00% Up to 60 months

Home Equity Loans

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.

Account Type APR Comments
Prime Rate Equity Line of Credit As low as 3.75%
Preferred Prime Rate Equity Line of Credit As low as 3.25% Requires automatic payment from CVFCU checking account
5 Year Equity Loan Promotion As low as 3.49% 60 month fixed rate. Offer available for a limited time.
Home Equity Loan As low as 5.50% Borrow up to 90% of your home’s equity

Mortgage Loans

Rates 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.

Personal Loan Promotion

Loan Type Fixed APR Term
Personal Loan Promotion As low as 8.99% 12 months
Personal Loan Promotion As low as 9.99% 24 months
Personal Loan Promotion As low as 10.99% 36-60 months

Personal Loans

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

Account Type APR Comments
Personal Loan As low as 9.00% Variable rate
Personal Line of Credit As low as 9.00% Variable rate
Consolidation Loan As low as 14.00% Variable rate
Share Secured Loan Varies Variable rate 3% above current share rate
30-60-90 Day Advance As low as 18.00% Standard rate

Credit Cards

Annual Percentage Rate.

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

Savings, Checking & Investment Rates

Savings & Checking

Account Type APY Minimum Balance Minimum to Earn Interest
Share Savings 0.20% $5.00 $250.00
Christmas Club 0.22% $5.00 $5.00
Branchless Checking 0.05% $0 $500.00
Interest Checking 0.10% $250.00 $750.00
Preferred Checking 0.10% $1,200.00 $1,200.00
Dominion Club Checking 0.10% $1,000.00 $1,000.00

Money Markets

Account Type APY Minimum Balance
MM Savings 0.20% $500.00
MM Gold 0.22% $2,500.00
MM Preferred 0.23% $10,000.00
MM Platinum 0.25% $25,000.00

IRAs

Account Type APY
Coverdell Savings Account 1.01%
Roth IRA 1.01%
Traditional IRA 1.01%

Certificates

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.

Account Type | Term APY
6 Month 0.10%
6 Month Preferred 0.25%
12 Month 0.25%
12 Month Preferred 0.40%
24 Month 0.30%
24 Month Preferred 0.45%
36 Month 0.45%
36 Month Preferred 0.60%