Rates

Loan Rates as of March 1, 2017

New and Pre-Owned Vehicles**
Term APR* Min Loan Amt Max Loan Amt
36 Months 1.75%    
48 Months 2.75%    
60 Months 2.75% $12,000  
72 Months 3.40% $12,000  
84 Months 3.40% $12,000  
*APR=Annual Percentage Rate. Auto Loan rate shown of 1.75% APR is for qualifying 36-month term with estimated monthly payment of $28.53 per $1,000.00 borrowed. The rate may vary depending on each Individual’s credit profile and loan term. Rates also reflect a .25% discount for automatic payment from a PVCU checking account. Auto Loan rate not offered for in-house refinances. Rates are subject to change without notice. Other restrictions may apply.

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Motorcycles, Boats and Recreational Vehicles**
Term APR* Min Loan Amt Max Loan Amt
72 Months 4.85%    
84 Months 5.85% $5,000  
A fixed Motorcycle, Boat and Recreational Vehicle Loan payment based on $1000.00 at 4.85% APR for 72-months is 16.04.

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Personal Line of Credit “Eagle Line”
Term APR* Min Loan Amt Max Loan Amt
Revolving 10.95%   $15,000
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.

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Overdraft Line of Credit
Term APR* Min Loan Amt Max Loan Amt
Revolving 10.95%   $3,500
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.

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Credit Builder Loan
Term APR* Min Loan Amt Max Loan Amt
24 Months 6.00%   $2,000
A fixed Credit Builder Loan payment based on $1,000.00 at 6.00% APR for 24-months is $44.32.

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Heat Loans
Term APR* Min Loan Amt Max Loan Amt
0% Mass Save Heat Loan Program1 0%    
PVCU Heat Loan2 3.99%    

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

A fixed PVCU Heat Loan payment based on $1000.00 at 3.99% APR for 12-months is $85.15.

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Share Secured Loan
Term APR* Min Loan Amt Max Loan Amt
24 Months 3.00% 3.00% Above Share Rate  
A fixed Share Secured Loan payment based on $1,000.00 at 3.25% APR for 24-months is $43.09.

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Term Share (Certificate) Secured Loan
Term APR* Min Loan Amt Max Loan Amt
Up to Maturity Date 3.00% 3.00% Above Term Share Rate  
A fixed Term Share Secured Loan payment based on $1.000.00 at 3.85% APR for 24-months is $43.36.

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*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 automatic payment from PVFCU Checking Account. All rates are subject to change at any time without notice.

Share Rates as of March 1, 2017

Checking
Account Title Dividend Rate APY*
Investor Rewards Checking*1 1.00% 1.01%
Investor Rewards Checking*2 .30% .30%
Investor Rewards Checking*3 .10% .10%
Business Investor Rewards Checking*1 .80% .80%
Business Investor Rewards Checking*2 .30% .30%
Business Investor Rewards Checking*3 .10% .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.

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Money Markets
Term Dividend Rate APY*
Money Market Tier I Minimum Balance of $2,500.00 0.100% 0.100%
Money Market Tier II Minimum Balance of $20,000.00 0.200% 0.200%
Money Market Tier III Minimum Balance of $50,000.00 0.400% 0.400%
Money Market Tier IV Minimum Balance of $100,000.00 0.500% 0.500%

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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.

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*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 March 1, 2017

Share Certificates
Term Dividend Rate APY*
6 Month Term Share 0.55% 0.55%
12 Month Term Share 0.60% 0.60%
12 Month Investor Term Share1 1.29% 1.30%
18 Month Direct Flex Term Share2 .70% .70%
24 Month Term Share 0.85% 0.85%
36 Month Term Share 1.15% 1.16%
48 Month Term Share 1.20% 1.21%
60 Month Term Share 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 of $500; Minimum Balance for APY* is $500.

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Traditional IRA, Roth IRA and Coverdell Education Savings Account (CESA)
Term Dividend Rate APY*
6 Month IRAs and CESA 0.55% 0.55%
12 Month Term Share IRAs and CESA 0.60% 0.60%
18 Month Term Share IRAs and CESA 0.70% 0.70%
24 Month Term Share IRAs and CESA 0.85% 0.85%
36 Month Term Share IRAs and CESA 1.15% 1.16%
48 Month Term Share IRAs and CESA 1.20% 1.21%
60 Month Term Share IRAs and CESA 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 March 1, 2017

Mortgages
Up to 80% Loan to Value
Term Rate APR*
10 Years No Points 2.750% 2.799%
15 Years No Points 2.875% 2.910%
20 Years No Points 3.350% 3.382%
25 Years No Points 3.400% 3.426%
30 Years No Points 3.400% 3.423%
A fixed Mortgage payment based on $100,000 at 3.423% APR for 30 years is $444.76 (Monthly payments shown do not include real estate taxes, PMI (Private Mortgage Insurance) or homeowners insurance).

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Home Equity Loans (Fixed Rate)
Up to 80% Loan to Value
Term APR* Min Loan Amt Max Loan Amt
5 Years 2.95%    
10 Years 3.70%    
15 Years 4.10%    
20 Years 4.45%    
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 $10,000.00 at 2.95% APR for 5 years is $179.46.

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Home Equity Lines of Credit (HELOC)
Up to 80% Loan to Value
Term Variable APR* Min Loan Amt Max Loan Amt
10 Year Line/10 Year Repayment 3.50% $5,000  
Special Rate-12 Month Introductory Offer*** 1.95% APR
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).
If you made only the minimum payment and took no other credit advances, it would take 20 years to pay off a credit advance of $10,000 at 3.50% APR, making 120 monthly payments of $50 during the draw period and 120 monthly payments $66.02 during the repayment period

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*APR=Annual Percentage Rate
***The HELOC introductory 1.95% APR is an introductory rate during the first 12 months of the loan. After that, the rate will vary based on the prime rate which is the highest prime rate published in the Wall Street Journal on the last business day of each quarter. As the prime rate changes, the APR on your account will also change. The introductory rate may be withdrawn without notice. Thereafter, the APR will be based on the prime rate minus .25% with a floor rate of 3.50% APR. If the special rate was not offered, the present APR would be 3.50%. The maximum APR that can apply is 18.00%.

Loan rates shown are based on members with the best credit profile. All rates are subject to change at any time without notice.