Rates

Loan Rates as of September 1, 2017

New and Pre-Owned Vehicles**
Term     Rates as low as APR*
0-35 Months     1.75%
36-59 Months     2.75%
60-83 Months     3.40%
84 Months     3.70%
*APR=Annual Percentage Rate. Auto Loan rate shown of 1.75% APR is for terms up to and including 35 months with estimated 35-month monthly payment of $29.33 per $1,000 borrowed. The rate may vary depending on each Individual’s credit profile and loan term. Rates also reflect a .25% discount for direct deposit with automatic payment from a PVCU account. Rates are subject to change without notice. Other restrictions may apply.

Apply Now with Express Loan 24

Motorcycles, Boats and Recreational Vehicles**
Term     Rates as low as APR*
0-35 Months     1.75%
36-59 Months     2.75%
60-83 Months     3.40%
84 Months     3.70%
A fixed Motorcycle, Boat and Recreational Vehicle Loan payment based on $1000 at 1.75% APR for 35-months is 29.33.

 Apply Now with Express Loan 24

Personal Line of Credit “Eagle Line”
Term     Rates as low as APR*
Revolving     10.95%
Minimum monthly payments will be established and fixed at the time of each advance at an amount equal to 3.25% times the loan balance, minimum payment is not less than $50/month. Maximum loan amount is $15,000.

Apply Now with Express Loan 24

Overdraft Line of Credit
Term     Rates as low as APR*
Revolving     10.95%
Minimum monthly payments will be established and fixed at the time of each advance at an amount equal to 3.25% times the loan balance, minimum payment is not less than $50/month. Maximum loan amount is $3,500.

Apply Now with Express Loan 24

Credit Builder Loan
Term     Rates as low as APR*
24 Months     10.95%
A fixed Credit Builder Loan payment based on $1,000 at 10.95% APR for 24-months is $46.58. Maximum loan amount is $2,000.

Apply Now with Express Loan 24

Heat Loans
Term     Rates as low as APR*
0% Mass Save Heat Loan Program1     0%
PVCU Heat Loan2     10.95%

1Offered year round for energy efficient upgrades
2Offered September-March

A fixed PVCU Heat Loan payment based on $1000 at 10.95% APR for 12-months is $88.36.

Apply Now with Express Loan 24

Share Secured Loan
Term     APR*
24 Months     3.00%
A fixed Share Secured Loan payment based on $1,000 at 3.25% APR for 24-months is $43.09. 3.00% above Share rate.

Apply Now with Express Loan 24

Term Share (Certificate) Secured Loan
Term     APR*
Up to Maturity Date     3.00%
A fixed Term Share Secured Loan payment based on $1.000 at 3.85% APR for 24-months is $43.36. 3.00% above Share rate.

Apply Now with Express Loan 24

*APR=Annual Percentage Rate
**Based on National Automobile Dealers Association (NADA) Value

Loan rates shown are based on members with the best credit profile. Rates also reflect a .25% discount for direct deposit with automatic payment from PVFCU Account. All rates are subject to change at any time without notice.

Share Rates as of September 1, 2017

Checking
Account Title Dividend Rate APY*
Investor Rewards Checking*1 1.00% 1.01%
Investor Rewards Checking*2 0.30% 0.30%
Investor Rewards Checking*3 0.10% 0.10%
*Qualifications do apply.
1Minimum Opening Balance is $0. Dividend paid for balances of $0 - $25,000; Minimum Balance for APY* is $0.01.
2Minimum Opening Balance is $0.  Dividend paid for balances greater than $25,000. Minimum Balance for APY* is $25,000.01.
3Minimum Opening Balance is $0. Dividend paid for non-qualifying accounts.

Learn more   Open an Account Today!

Money Markets
Term Dividend Rate APY*
Money Market Tier I Minimum of $2,500 0.10% 0.10%
Money Market Tier II Minimum of $20,000 0.20% 0.20%
Money Market Tier III Minimum of $50,000 0.40% 0.40%
Money Market Tier IV Minimum of $100,000 0.50% 0.50%

Open an Account Today!

Share Accounts
Account Title Dividend Rate APY*
Primary Share Account1 0.025% 0.025%
Holiday Club2 0.025% 0.025%
Vacation Club2 0.025% 0.025%
Emergency Fund2 0.025% 0.025%
IRA Traditional Account2 0.025% 0.025%
1Minimum Opening Balance of $25; Minimum Balance for APY* is $25.
2Minimum Opening Balance of $10; Minimum Balance for APY* is $10.

Open an Account Today!

*APY –Annual Percentage Yield. The dividend rate is paid on the entire balance in your account. Dividends are earned daily for each day your balance exceeds the minimum daily balance required.  Dividends are compounded daily and credited monthly. Rates are subject to change after account opening.  If minimum balance drops below $2,500 on money market account the interest rate will be equal to the Primary Shares rate.

Rates are subject to change at anytime without notice.  Rates for variable rate accounts are subject to change after opening.

Certificate and IRA Rates as of September 1, 2017

Share Certificates
Term Dividend Rate APY*
6 Month 0.55% 0.55%
12 Month 0.75% 0.75%
12 Month Investor Certificate1 1.29% 1.30%
18 Month Direct Flex2  Tier I Minimum of $500 0.85% 0.85%
18 Month Direct Flex Tier II Minimum of $20,000 1.04% 1.05%
18 Month Direct Flex Tier III Minimum of $50,000 1.24% 1.25%
18 Month Direct Flex Tier IV Minimum of $100,000 1.44% 1.45%
24 Month 1.04% 1.05%
36 Month 1.15% 1.16%
48 Month 1.20% 1.21%
49 Month Special 2.24% 2.27%
60 Month 1.55% 1.56%

Minimum Opening Balance of $1,000; Minimum Balance for APY* is $1,000.
1Investor Reward Checking Account Required

2Minimum Opening Balance for all Direct Flex Term Shares is $500; Minimum Balance for APY* is $500. Deposits are allowed during term. Rate based on opening  balance until maturity date.

Open an Account Today!

Traditional IRA, Roth IRA and Education Savings Account
Term Dividend Rate APY*
6 Month IRA and Education Savings 0.55% 0.55%
12 Month IRA and Education Savings 0.75% 0.75%
18 Month IRA and Education Savings 0.85% 0.85%
24 Month IRA and Education Savings 1.04% 1.05%
36 Month IRA and Education Savings 1.15% 1.16%
48 Month IRA and Education Savings 1.20% 1.21%
49 Month Traditional and Roth IRA Special 2.24% 2.27%
60 Month IRA and Education Savings 1.55% 1.56%
Minimum Opening Balance of $500; Minimum Balance for APY* is $500.

*APY –Annual Percentage Yield. The dividend rate is paid on the entire balance in your account. Dividends are earned daily for each day your balance exceeds the minimum daily balance required.  Dividends are compounded daily and credited monthly. Rates are subject to change at any time. 

Penalty will be imposed for early withdrawals on Term Share accounts; fees and certain conditions may reduce earnings. Rates are subject to change after opening for variable rate accounts.  Full account disclosures will be given at the time of account opening.

Mortgage and Home Equity Rates as of September 1, 2017

Mortgages
Up to 80% Loan to Value
Term Rate APR*
10 Years No Points 2.875% 2.879%
15 Years No Points 3.120% 3.124%
20 Years No Points 3.500% 3.504%
25 Years No Points 3.750% 3.780%
30 Years No Points 3.750% 3.777%
A fixed Mortgage payment based on $100,000 at 3.777% APR for 30 years is $464.65 (Monthly payments shown do not include real estate taxes, PMI (Private Mortgage Insurance) or homeowners insurance).

Apply Now!

Home Equity Loans (Fixed Rate)
Up to 80% Loan to Value
Term     APR*
1-5 Years     2.95%
6-10 Years     3.70%
11-15 Years     4.20%
16-20 Years     4.70%
Homeowner’s insurance is required. No closing costs (if your loan is paid off within the first three years of the closing date, you will reimburse the Credit Union for amounts paid on your behalf).
A fixed Home Equity Loan payment based on $10,000 at 2.95% APR for 5 years is $179.46.

Contact us at 413-733-2800 for more details and to apply!

Home Equity Lines of Credit (HELOC)
Up to 80% Loan to Value
Term   Min Loan Amt Variable APR*
10 Year Line/10 Year Repayment   $5,000 1.95%** 12 Month Introductory Special and 4.00% thereafter 

Contact us at 413-733-2800 for more details and to apply!

*APR=Annual Percentage Rate

**Introductory 1.95% APR during the first 12 months of the loan. Then rate will vary based on the highest prime rate published in the Wall Street Journal on the last business day of each quarter rate minus .25% with a floor rate of 3.00% APR and a maximum rate of 18% APR. This offer may be withdrawn without notice.  If the special rate was not offered, the present APR would be 4.00%.  Homeowners insurance is required. No closing costs. If your loan is paid off within the first three years of the closing date, you will reimburse the Credit Union for amounts paid on your behalf.  Additional terms and conditions apply.

All rates are subject to change at any time without notice.