| APR - New and Used |
|---|
| as low as 2.99% for 36-60 months |
| as low as 3.69% for 61-84 months |
| APR |
|---|
| as low as 2.49% - Share Secured |
| as low as 6.25% - Other Secured |
| Loan Type | APR |
|---|---|
| Unsecured 12 months max | As low as 7.99% APR |
| Unsecured 13-48 months max | As low as 8.45% APR |
| Debt Consolidation 12 months max | As low as 9.50% APR |
| Debt Consolidation 13-48 months max | As low as 11.24% APR |
| Paycheck Plus 6 months max | 20.00% APR $20 Application Fee |
| Overdraft Line of Credit | 14.00% APR |
Restrictions may apply.
| APR |
|---|
| New - 0-60 months, as low as 5.74% APR New - 61-180 months, as low as 6.24 |
| Used - 0-60 months, as low as 6.24% APR Used - 61-180 months, as low as 7.24% APR |
| APR |
|---|
| New - As low as 5.74% APR |
| Used - As low as 6.24% APR |
| MOWERS, TRACTORS, SNOWMOBILES, ATV'S, JET-SKI'S, 4-WHEELERS, GATORS |
| Title or UCC1 |
| 60 Months Max, As low as 6.25% |
| CAMPERS, POP-UPS, FIFTH-WHEELS |
| New - 0-60 Months, As low as 5.74% APR New - 61-180 Months, As low as 6.24% APR |
| Used - 0-60 Months, As low as 6.24% APR Used - 61-180 Months, As low as 7.24% APR ** All rates subject to change |
| Loan Term | APR | Maximum Amount |
|---|---|---|
| 10 years | 3.96% APR | $150,000 |
| 7 years | 3.86% APR | $150,000 |
| 5 years | 3.76% APR | $150,000 |
| Loan Term | APR |
|---|---|
| 15 Years Fixed | 4.01% APR |
| 30 Years Fixed | 4.77% APR |
Private Mortgage Insurance (PMI) is required when LTV is greater than 80%. Requires initial approval from PMI vendor. Call for more details.
Share Certificate dividends are paid on the last day of the month, as per the terms of the individual certificate. Share Certificate rates for new purchases change weekly.
| Share Certificate Term | Dividend Rate | APY |
|---|---|---|
| 6 Months | 0.05% | 0.05% |
| 9 Months | 0.10% | 0.10% |
| 12 Months | 0.10% | 0.10% |
| 24 Months | 0.15% | 0.15% |
| 36 Months | 0.15% | 0.15% |
Dividends are paid to savings accounts and club accounts on the last day of March, June, September, and December. Our Board of Directors sets the dividend rates quarterly.
| Share Types | Dividend Rate | APY |
|---|---|---|
| Primary Share 0 | 0.05% APY | 0.05% APY |
| Secondary Savings 3, 5, 8 | 0.05% APY | 0.05% APY |
| Christmas Club | 0.10% APY | 0.10% APY |
| Vacation Club | 0.10% APY | 0.10% APY |
| Share Draft Checking | Non-Earning | Non-Earning |
| HSA | Non-Earning | Non-Earning |
| Card Type | APR |
|---|---|
| Rewards VISA Signature | 6.00% variable |
| Platinum Rewards VISA | 13.80% fixed |
| Platinum VISA | 18.00% APR |
Fees may reduce earnings on accounts and rates may change after the account is open. Dividends will be forfeited if the member closes the account before accrued dividends are credited. Please visit the “fee and free service schedule” for fees associated with accounts.
© Tonawanda Valley Federal Credit Union 2021
