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Consumer Loans | Home Loans | Savings | Savings Certificates

With our Managed Loan Program, consumer loan rates may be up to 13.0% APR higher than displayed rate. Discount on consumer loans 1/2% APR for Senior Oilers over age 62.

Consumer Loans

as low as APR*

Mo. Pmt. per $1000
APR*

Term (Months)

 
New & Certified Pre-Owned** Vehicles (auto, SUV, van, light truck) 5.49

as low as $44.09

24 Calculator
New & Certified Pre-Owned** Vehicles (auto, SUV, van, light truck) 5.49

as low as $30.19

36 Calculator
New & Certified Pre-Owned** Vehicles (auto, SUV, van, light truck) 5.49

as low as $23.25

48 Calculator
New & Certified Pre-Owned** Vehicles (auto, SUV, van, light truck) 5.49

as low as $19.10

60 Calculator
New & Certified Pre-Owned** Vehicles (auto, SUV, van, light truck) 5.49

as low as $16.33

72 Calculator
New & Certified Pre-Owned** Vehicles (auto, SUV, van, light truck) 5.99

as low as $14.60

84 Calculator
Used Vehicles (autos. SUV, van, light truck) 5.99

as low as $44.32

24 Calculator
Used Vehicles (autos. SUV, van, light truck) 5.99

as low as $30.42

36 Calculator
Used Vehicles (autos. SUV, van, light truck) 5.99

as low as $23.48

48 Calculator
Used Vehicles (autos. SUV, van, light truck) 5.99

as low as $19.33

60 Calculator
Used Vehicles (autos. SUV, van, light truck) 5.99

as low as $16.57

72 Calculator
Used Vehicles (autos. SUV, van, light truck) 6.49

as low as $14.84

84 Calculator
New Boats, up to $50,000  8.49

as low as $15.83

12-84 Calculator
New Boats, $10,000 - $15,000 10.49

as low as $9.98

85-120  Calculator
New Boats, $15,000 - $25,000 10.49

as low as $9.98

85-144 Calculator
New Boats, $25,000 and up 10.49

as low as $9.98

85-180 Calculator
Used Boats, up to $50,000 9.49

as low as $16.34

12-84 Calculator
Used Boats, up to $10,000 - $15,000 11.49

as low as $10.66

85-120 Calculator
Used Boats, $15,000 - $25,000 11.49

as low as $10.66 

 85-144  Calculator
Used Boats, $25,000 and up 11.49

as low as $10.66 

85-180  Calculator
New Motorcycles 6.99

as low as $44.77

24 Calculator
New Motorcycles 7.29

as low as $31.01

36 Calculator
New Motorcycles 7.49

as low as $24.17

48 Calculator
New Motorcycles 7.69

as low as $20.13

60 Calculator
New Motorcycles 8.99

as low as $18.02

72 Calculator
New Motorcycles 8.99

as low as $16.08

84 Calculator
Used Motorcycles 7.99

as low as $45.22

24 Calculator
Used Motorcycles 8.29

as low as $31.47

36 Calculator
Used Motorcycles 8.49

as low as $24.64

48 Calculator
Used Motorcycles 8.69

as low as $20.61

60 Calculator
Used Motorcycles 9.99

as low as $18.52

72 Calculator
Used Motorcycles 9.99

as low as $16.60

84 Calculator
New ATVs (All Terrain Vehicles, dirt bikes, non-commercial tractors and mowers.) 10.90

as low as $25.80

12-48 Calculator
New Motorhomes, (self-propelled), up to $50,000  8.49

as low as $15.83

12-84 Calculator
New Motorhomes, (self-propelled), $10,000 - $15,000 10.49

as low as $9.98

85-120  Calculator
New Motorhomes, (self-propelled), $15,000 - $25,000 10.49

as low as $9.98

85-144 Calculator
New Motorhomes, (self-propelled), $25,000 and up 10.49

as low as $9.98

85-180 Calculator
Used Motorhomes, (self-propelled), up to $50,000 9.49

as low as $16.34

12-84 Calculator
Used Motorhomes, (self-propelled), $10,000 - $15,000 11.49

as low as $10.66

85-120  Calculator
Used Motorhomes, (self-propelled), $15,000 - $25,000 11.49

as low as $10.66

85-144 Calculator
Used Motorhomes, (self-propelled), $25,000 and up 11.49

as low as $10.66

85-180 Calculator
New Recreational Vehicles (travel trailers, etc.), up to $50,000 8.49

as low as $15.83

12-84 Calculator
New Recreational Vehicles (travel trailers, etc.), $10,000- $15,000 10.49

as low as $9.98

85-120 Calculator 
New Recreational Vehicles (travel trailers, etc.), $15,000- $25,000 10.49

as low as $9.98

85-144 Calculator
New Recreational Vehicles (travel trailers, etc.), $25,000 and up 10.49

as low as $9.98

85-180 Calculator
Used Recreational Vehicles (travel trailers, etc.), up to $50,000 9.49

as low as $16.34

12-84 Calculator
Used Recreational Vehicles (travel trailers, etc.), $10,000 - $15,000 11.49

as low as $10.66

85-120  Calculator
Used Recreational Vehicles (travel trailers, etc.), $15,000 - $25,000 11.49

as low as $10.66

85-144 Calculator
Used Recreational Vehicles (travel trailers, etc.), $25,000 and up 11.49

as low as $10.66

85-180 Calculator
Personal Improvement/Healthcare 8.90

as low as $87.41

12  Calculator
Personal Improvement/Healthcare 8.90

as low as $45.64

24  Calculator
Personal Improvement/Healthcare 8.90

as low as $31.75

 36  Calculator
Personal Improvement/Healthcare 8.90

as low as $24.84

 48 Calculator
Personal Improvement/Healthcare 8.90

as low as $20.71

 60  Calculator
Personal Improvement/Healthcare 8.90

as low as $17.98

 72 Calculator
Personal Improvement/Healthcare 8.90

as low as $16.04

 84  Calculator
Signature 10.90

as low as $88.34

12 Calculator
Signature 10.90

as low as $46.56

24 Calculator
Signature 10.90

as low as $32.69

36 Calculator
Signature 10.90

as low as $25.80

48 Calculator
Signature 10.90

as low as $21.69

60 Calculator
Signature 10.90

as low as $18.98

72 Calculator
Signature 10.90

as low as $17.07

84 Calculator
Personal Computer Loan ($5,000 maximum) 7.90

as low as $24.37

48 Calculator
Stock Secured (up to 50% loan to value) 9.00

as low as $12.67

120 Calculator
Share or Certificate Secured loan (up to 95% loan to value) call for quote      
Overdraft Line of Credit 16.90

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n/a Calculator
Visa 8.90

---

n/a Calculator
 

*APR = Annual Percentage Rate. Loan rates and terms last revised on August 4, 2008 and are subject to change without notice. Loans and rates are subject to approved credit for qualified Credit Union members only. Premium credit required for the lowest interest rate. Loan processing fees may apply. The payment per $1,000 listed in the chart above is based on the lowest available APR for the maximum term available. To calculate your monthly payment, use the "Calculator" link.
**Certified Pre-Owned vehicles must meet certain qualifications.
Go To Loan Application | Go To Calculators | Back to Top
 

 
Mortgage rates and terms last revised September 4, 2008. Mortgage loan interest rate "locks" may be available for up to 180 days. Other down payment amounts and discount points may also be available.

Home Loans

Rate

Percent Down Payment

Discount/
Origination
Points

Estimated APR*  
FHA 30-year Fixed Rate, 1st Trust Deed, Owner occupied 6.125

3

0/1

6.24 Calculator
VA 30-year Fixed Rate, 1st Trust Deed, Owner occupied 6.125

0

0/1

6.24

Calculator
30-year Fixed Rate, 1st Trust Deed, Owner occupied 5.875

3

1.50/1

6.12 Calculator
30-year Fixed Rate, 1st Trust Deed, Owner occupied 6.125

3

.375/1

6.27 Calculator
30-year Fixed Rate, 1st Trust Deed, Owner occupied 6.375

3

0/0

6.39 Calculator
20-year Fixed Rate, 1st Trust Deed, Owner occupied 5.625

3

1.625/1

5.97 Calculator
15-year Fixed Rate, 1st Trust Deed, Owner occupied 5.25

3

1.875/1

5.72 Calculator
3/1 ARM (30 year) 5.125

3

0/1

5.23 Calculator
5/1 ARM Super Jumbo 6.375

20

0/1

6.49 Calculator
Home Equity Line of Credit (Variable Rate)** 5.50

0

0/0 

5.50 Calculator
 Reverse Mortgage

62 years & older, no mortgage payment, EZ qualify     

*APR = Annual Percentage Rate. APR  may vary based on credit history and verifications. APR based on a loan amount of $417,000.
Loan rates, points and fees are subject to change at any time until you apply for a home loan and "lock-in" a rate. These rate quotes represent a sample of available loans. Many more loan programs are available. Please check with us for details.  Loans and rates are subject to approved credit for qualified Credit Union members only. Conforming mortgage loans available up to $417,000. Non-conforming mortgage loans available up to $1 million. Rates and points may vary widely for loan amounts above $417,000. The following fees may apply: appraisal ($400), credit report ($55), documentation service ($50 to $150), flood certification fee ($12.50), loan processing ($495), tax service ($75), wire transfer ($20), home equity line of credit application fee, refundable upon loan closing ($75). Other terms and conditions may apply.
**The highest annual percentage rate (APR) on a home equity line of credit will be 5% APR over the initial APR.
For loan repayment examples, click on "Calculators."
Equal Housing Lender.

Go To Loan Application | Go To Calculators | Back to Top
 

 

Please refer to CVCU's Truth-In-Savings and other account disclosures for additional information. These disclosures are available at each CVCU office or by request by phone, mail or email. (To send us an email, click here for "Contact Us.")

Savings and Checking Accounts

APY*

 
MoneyMax Money Market $100,000+ 2.75 Calculators
MoneyMax Money Market $65,000-$99,999 2.02 Calculators
MoneyMax Money Market $25,000-$64,999 1.75 Calculators
Money Market Shares $75,000+ 2.12 Calculators
Money Market Shares $50,000-$74,999 1.80 Calculators
Money Market Shares $10,000-$49,999 1.15 Calculators
Money Market Shares $2,500-$9,999 .80 Calculators
AutoSave Savings Account $50.00 + 1.52 Calculators
Holiday Savings Club 0.10 Calculators
IRA Shares 0.50 Calculators
Checking 0.10 Calculators
Premium Checking

Call the Credit Union
for rates and terms

 
Prime Shares $50,000 - up 0.55 Calculators
Prime Shares $10,000 - $49,000 0.35 Calculators
Prime Shares $2,500 - $9,999 0.25 Calculators
Prime Shares $50 - $2,499 0.10 Calculators

Savings Certificates

APY*

Term
(Months)
 
IRA 5 Year 3.80 60 Calculators
IRA 4 Year 3.70 48 Calculators
IRA 3 Year 3.56 36 Calculators
IRA 2 Year 3.30 24 Calculators
IRA 1 Year 3.03 12 Calculators 

Option Plus 30 Months, Two Step-Up options, $5,000+

3.34 30 Calculators 
Option Plus 18 Months, One Step-Up options, $5,000+ 3.55 18 Calculators
Advantage Plus 6 Months, $500+ 2.25 6 Calculators
First Choice 6 Months, $500+ 2.25 6  Calculators
Term Certificate 48-60 Months, $100,000+ 3.90 48-60 Calculators
Term Certificate 48-60 Months, $50,000-$99,999 3.76 48-60 Calculators
Term Certificate 48-60 Months, $10,000-$49,999 3.66 48-60 Calculators
Term Certificate 48-60 Months, $2,500-$9,999 3.56 48-60 Calculators
Term Certificate 36-47 Months, $100,000+ 3.70 36-47 Calculators
Term Certificate 36-47 Months, $50,000-$99,999 3.65 36-47 Calculators
Term Certificate 36-47 Months, $10,000-$49,999 3.60 36-47 Calculators
Term Certificate 36-47 Months, $2,500-$9,999 3.56 36-47 Calculators
Term Certificate 24-35 Months, $100,000+ 3.65 24-35 Calculators
Term Certificate 24-35 Months, $50,000-$99,999 3.45 24-35 Calculators
Term Certificate 24-35 Months, $10,000-$49,999 3.35 24-35 Calculators
Term Certificate 24-35 Months, $2,500-$9,999 3.20 24-35 Calculators
Term Certificate 12-23 Months, $100,000+ 3.56 12-23 Calculators
Term Certificate 12-23 Months, $50,000-$99,999 3.40 12-23 Calculators
Term Certificate 12-23 Months, $10,000-$49,999 3.35 12-23 Calculators
Term Certificate 12-23 Months, $2,500-$9,999 3.14 12-23 Calculators
Term Certificate 6-11 Months, $100,000+ 3.30 6-11 Calculators
Term Certificate 6-11 Months, $50,000-$99,999 2.40 6-11 Calculators
Term Certificate 6-11 Months, $10,000-$49,999 2.35 6-11 Calculators
Term Certificate 6-11 Months, $2,500-$9,999 2.25 6-11 Calculators
Term Certificate 3-5 Months, $100,000+ 3.04 3-5 Calculators
Term Certificate 3-5 Months, $50,000-$99,999 2.43 3-5 Calculators
Term Certificate 3-5 Months, $10,000-$49,999 2.12 3-5 Calculators
Term Certificate 3-5 Months, $2,500-$9,999 2.02 3-5 Calculators

*APY = Annual Percentage Yield.
Savings rates and terms last revised on July 3, 2008. All rates and terms may change without notice after the account is opened.
Fees could reduce earnings on account. Penalty for early withdrawal on term certificates. 
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