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Consumer Loans | Home Loans | Savings | Savings Certificates
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Consumer loan rates and terms last revised on October 22, 2012 and are subject to change without notice. With our Managed Loan Program, consumer loan rates may be up to 15.0% APR higher than displayed rate. Premium credit required to obtain displayed rate.
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| Consumer Loans |
APR* as low as
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Term (Months)
|
Mo. Pmt. per $1000
APR*
|
Calculator |
| New or Used Vehicles (auto, SUV, van, light truck) |
1.79**
|
24
|
as low as $42.44
|
 |
| New or Used Vehicles (auto, SUV, van, light truck) |
1.79**
|
36
|
as low as $28.55
|
|
| New or Used Vehicles (auto, SUV, van, light truck) |
1.79**
|
48
|
as low as $21.60
|
|
| New or Used Vehicles (auto, SUV, van, light truck) |
1.79**
|
60
|
as low as $17.43
|
|
| New or Used Vehicles (auto, SUV, van, light truck) |
2.79**
|
72
|
as low as $15.09
|
|
| New or Used Vehicles (auto, SUV, van, light truck) |
2.79**
|
84
|
as low as $13.11
|
|
| New Boats, up to $50,000 |
8.49
|
12-84
|
as low as $15.83
|
|
| New Boats, $10,000 - $15,000 |
10.49
|
85-120
|
as low as $9.98
|
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| New Boats, $15,000 - $25,000 |
10.49
|
85-144
|
as low as $9.98
|
|
| New Boats, $25,000 and up |
10.49
|
85-180
|
as low as $9.98
|
|
| Used Boats, up to $50,000 |
9.49
|
12-84
|
as low as $16.34
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| Used Boats, up to $10,000 - $15,000 |
11.49
|
85-120
|
as low as $10.66
|
|
| Used Boats, $15,000 - $25,000 |
11.49
|
85-144
|
as low as $10.66
|
|
| Used Boats, $25,000 and up |
11.49
|
85-180
|
as low as $10.66
|
|
| New Motorcycles |
6.99
|
24
|
as low as $44.77
|
|
| New Motorcycles |
7.29
|
36
|
as low as $31.01
|
|
| New Motorcycles |
7.49
|
48
|
as low as $24.17
|
|
| New Motorcycles |
7.69
|
60
|
as low as $20.13
|
|
| New Motorcycles |
8.99
|
72
|
as low as $18.02
|
|
| New Motorcycles |
8.99
|
84
|
as low as $16.08
|
|
| Used Motorcycles |
7.99
|
24
|
as low as $45.22
|
|
| Used Motorcycles |
8.29
|
36
|
as low as $31.47
|
|
| Used Motorcycles |
8.49
|
48
|
as low as $24.64
|
|
| Used Motorcycles |
8.69
|
60
|
as low as $20.61
|
|
| Used Motorcycles |
9.99
|
72
|
as low as $18.52
|
|
| Used Motorcycles |
9.99
|
84
|
as low as $16.60
|
|
| New ATVs (All Terrain Vehicles, dirt bikes, non-commercial tractors and mowers.) |
10.90
|
12-48
|
as low as $25.80
|
|
| New Motorhomes, (self-propelled), up to $50,000 |
8.49
|
12-84
|
as low as $15.83
|
|
| New Motorhomes, (self-propelled), $10,000 - $15,000 |
10.49
|
85-120
|
as low as $9.98
|
|
| New Motorhomes, (self-propelled), $15,000 - $25,000 |
10.49
|
85-144
|
as low as $9.98
|
|
| New Motorhomes, (self-propelled), $25,000 and up |
10.49
|
85-180
|
as low as $9.98
|
|
| Used Motorhomes, (self-propelled), up to $50,000 |
9.49
|
12-84
|
as low as $16.34
|
|
| Used Motorhomes, (self-propelled), $10,000 - $15,000 |
11.49
|
85-120
|
as low as $10.66
|
|
| Used Motorhomes, (self-propelled), $15,000 - $25,000 |
11.49
|
85-144
|
as low as $10.66
|
|
| Used Motorhomes, (self-propelled), $25,000 and up |
11.49
|
85-180
|
as low as $10.66
|
|
| New Recreational Vehicles (travel trailers, etc.), up to $50,000 |
8.49
|
12-84
|
as low as $15.83
|
|
| New Recreational Vehicles (travel trailers, etc.), $10,000- $15,000 |
10.49
|
85-120
|
as low as $9.98
|
|
| New Recreational Vehicles (travel trailers, etc.), $15,000- $25,000 |
10.49
|
85-144
|
as low as $9.98
|
|
| New Recreational Vehicles (travel trailers, etc.), $25,000 and up |
10.49
|
85-180
|
as low as $9.98
|
|
| Used Recreational Vehicles (travel trailers, etc.), up to $50,000 |
9.49
|
12-84
|
as low as $16.34
|
|
| Used Recreational Vehicles (travel trailers, etc.), $10,000 - $15,000 |
11.49
|
85-120
|
as low as $10.66
|
|
| Used Recreational Vehicles (travel trailers, etc.), $15,000 - $25,000 |
11.49
|
85-144
|
as low as $10.66
|
|
| Used Recreational Vehicles (travel trailers, etc.), $25,000 and up |
11.49
|
85-180
|
as low as $10.66
|
|
Signature
(min. $300, max $35,000) |
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Call the Credit Union
for rates and terms
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| Share or Certificate Secured loan (up to 95% loan to value; loan must either be paid off or refinanced at maturity of certificate) |
|
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Call the Credit Union
for rates and terms
|
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| Overdraft Line of Credit |
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Call the Credit Union
for rates and terms
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| Visa Platinum Credit Card |
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Call the Credit Union
for rates and terms
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*APR = Annual Percentage Rate. 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. Payment example: Payments on $20,000.00 financed at 1.79% for 60 months would be $348.72 per month. The total amount for all payments would be $20,923.
**Financing for new vehicles up to 100% of Manufacturer's Suggested Retail Price (MSRP) including tax, license, fees, options and warranty up to $2,500. Financing for used vehicles (up to 10 years old) up to 100% of retail Kelly Blue Book, including tax, license, fees and warranty up to $2,000.
To calculate your monthly payment, use the "Calculator."
For additional information and disclosure on New or Used Vehicles, Boats, Motorcycles, Motorhomes, Recreational Vehicles, Overdraft Line of Credit and Visa Platinum Card, click on "New or Used Vehicles," "Boats," "Motorcycles," "Motorhomes," "Recreational Vehicles," "Overdraft Line of Credit" and/or "Visa Platinum Credit Card" in the Rates schedule, above.
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Home loan interest rate "locks" may be available for up to 180 days. Other down payment amounts and discount points may also be available. Loan rates, points and fees are subject to change at any time until you apply for a home loan and "lock-in" a rate. Your final interest rate will also be determined by your credit history, property appraisal value and loan-to-value ratio.
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| Annual Percentage Rate (APR) may vary based on credit history and verifications. APR on conventional loans based on a loan amount of $165,000. 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 home loans available up to $417,000. Non-conforming home loans available up to $1 million. Rates and points may vary widely for loan amounts above $417,000. Other terms and conditions may apply. Equal Housing Lender.
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Savings rates and terms last revised on April 10, 2012. All rates and terms may change without notice after the account is opened. Please refer to Chevron Valley's Truth-In-Savings and other account disclosures for additional information. These disclosures are available at each Chevron Valley office or by request by phone, mail or email. (To send us an email, click here for "Contact Us.")
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| Savings and Checking Accounts |
APY*
|
| MoneyMax Money Market, min. balance of $100,000 & up |
.05 to .10
|
| MoneyMax Money Market, min. balance of $65,000-$99,999 |
.05
|
| MoneyMax Money Market, min. balance of $25,000-$64,999 |
.05
|
| Money Market Shares, min. balance of $75,000 & up |
.05
|
| Money Market Shares, min. balance of $50,000-$74,999 |
.05
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| Money Market Shares, min. balance of $10,000-$49,999 |
.05
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| Money Market Shares, min. balance of $2,500-$9,999 |
.05
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| AutoSave Savings Account, min. balance of $50.00 |
.06
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| Holiday Savings Club, min. balance of $50.00 & up |
.06
|
| IRA Shares, min. balance of $50 & up |
.02
|
Checking, min. balance of $1,000 & up
(minimum opening balance, $25.00) |
.01
|
| Premium Checking |
Call the Credit Union
for rates and terms
|
| Prime Shares, min. balance of $50,000 & up |
.02 to .05
|
| Prime Shares, min. balance of $10,000 - $49,999 |
.02 to .05
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| Prime Shares, min. balance of $2,500 - $9,999 |
.02 to .05
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| Prime Shares, min. balance of $50 - $2,499 |
.02
|
| Savings Certificates |
APY*
|
Term
(Months) |
| IRA 5 Year, min. balance of $500 |
1.02 |
60 |
| IRA 4 Year, min. balance of $500 |
1.00 |
48 |
| IRA 3 Year, min. balance of $500 |
.01 |
36 |
| IRA 2 Year, min. balance of $500 |
.01 |
24 |
| IRA 1 Year, min. balance of $500 |
.01 |
12 |
|
Option Plus 59 Months, One Step-Up option, min. balance of $5,000+ (closed)
|
2.71 |
59 |
| Option Plus 49 Months, No Step-Up option, min. balance of $10,000+ (closed) |
1.94 |
49 |
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Option Plus 39 Months, One Step-Up options, min. balance of $5,000+ (closed)
|
1.97 |
39 |
|
Option Plus 30 Months, Two Step-Up options, min. balance of $5,000+ (closed)
|
3.34 |
30 |
| Option Plus 26 Months, One Step-Up option, min. balalnce of $5,000+ (closed) |
2.02 |
26 |
| Option Plus 18 Months, One Step-Up option, $5,000+ (closed) |
1.00 |
18 |
| Option Plus 9 Months, One Step-Up option, min. balance of $5,000+ (closed) |
3.05 |
9 |
| Advantage Plus 6 Months, min. balance of $500 |
.07 |
6 |
| Term Certificate 48-60 Months, balance of $100,000 & up |
1.00 |
48-60 |
| Term Certificate 48-60 Months, balance of $50,000-$99,999 |
1.00 |
48-60 |
| Term Certificate 48-60 Months, balance of $10,000-$49,999 |
1.01 |
48-60 |
| Term Certificate 48-60 Months, balance of $2,500-$9,999 |
1.01 |
48-60 |
| Term Certificate 36-47 Months, balance of $100,000 & up |
.40 |
36-47 |
| Term Certificate 36-47 Months, balance of $50,000-$99,999 |
.40 |
36-47 |
| Term Certificate 36-47 Months, balance of $10,000-$49,999 |
.40 |
36-47 |
| Term Certificate 36-47 Months, balance of $2,500-$9,999 |
.05 |
36-47 |
| Term Certificate 24-35 Months, balance of $100,000 & up |
.05 |
24-35 |
| Term Certificate 24-35 Months, balance of $50,000-$99,999 |
.05 |
24-35 |
| Term Certificate 24-35 Months, balance of $10,000-$49,999 |
.05 |
24-35 |
| Term Certificate 24-35 Months, balance of $2,500-$9,999 |
.05 |
24-35 |
| Term Certificate 12-23 Months, balance of $100,000 & up |
.05 |
12-23 |
| Term Certificate 12-23 Months, balance of $50,000-$99,999 |
.05 |
12-23 |
| Term Certificate 12-23 Months, balance of $10,000-$49,999 |
.05 |
12-23 |
| Term Certificate 12-23 Months, balance of $2,500-$9,999 |
.05 |
12-23 |
| Term Certificate 6-11 Months, balance of $100,000 & up |
.05 |
6-11 |
| Term Certificate 6-11 Months, balance of $50,000-$99,999 |
.05 |
6-11 |
| Term Certificate 6-11 Months, balance of $10,000-$49,999 |
.05 |
6-11 |
| Term Certificate 6-11 Months, balance of $2,500-$9,999 |
.05 |
6-11 |
| Term Certificate 3-5 Months, balance of $100,000 & up |
.05 |
3-5 |
| Term Certificate 3-5 Months, balance of $50,000-$99,999 |
.05 |
3-5 |
| Term Certificate 3-5 Months, balance of $10,000-$49,999 |
.05 |
3-5 |
| Term Certificate 3-5 Months, balance of $2,500-$9,999 |
.05 |
3-5 |
*APY = Annual Percentage Yield.
Fees could reduce earnings on account. Early withdrawal penalty may apply.
How APY is computed: Dividends (interest) begin to accrue on the business day you deposit cash or non-cash items (e.g. checks), if deposited before the close of business and if minimum requirements to earn dividends have been met. The initial dividend rate and Annual Percentage Yield (APY) on share, checking and certificate accounts are stated on this rate schedule. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. The credit union computes the balance in share, checking and certificate accounts to determine the dividends you will be paid by using the daily balance method, which applies a daily periodic rate to the balance(s) in your account each day.
Dividends will be compounded monthly and will be credited monthly. For share, checking and certificate accounts, the beginning date of a dividend period is monthly. For example, the beginning date of the first dividend period of a calendar year is January 1, and the ending date is January 31. All other dividend periods follow the same pattern of dates. The dividend declaration date follows the ending date of a dividend period. The most recent dividend declaration is reflected in the rates on this schedule.
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