The rates,
terms, and up to 100% financing on vehicle loans are available to qualified
borrowers. Terms are also subject to limitation based on model year.
A refinance
of an existing Valley Credit Union/CEFCU Auto Loan will require a lump sum
principal reduction payment of $2,000 prior to funding.
*APR = Annual Percentage Rate. 90% Loan-to-Value
required for best rate. 100% Loan-to-Value rates available. Contact Valley CU
for details. Rate, term, and amount financed subject to credit approval.
*APR = Annual Percentage Rate. 90% Loan-to-Value
required for best rate. 100% Loan-to-Value rates available. Contact Valley CU
for details. Rate, term, and amount financed subject to credit approval.
For purchase and refinance loans over $100,000, 0.125 percent has been deducted
from current rates. The stated rate reflects the discount. Maximum term on loans less than $25,000 is 10 years. Rate and points are locked in for 60 days from the date of application. Private Mortgage Insurance (PMI) is required for loans over 80% loan-to-value.
Rates listed do not include PMI.
3 Year ARM - 30 yr.
After 3rd year, mortgage adjusts every year
3.000%
3.228%
2.00
30
3.375%
3.525%
1.00
30
3.750%
3.820%
.00
30
3 Year ARM - 15 yr.
After 3rd year, mortgage adjusts every year
3.000%
3.419%
2.00
15
3.375%
3.648%
1.00
15
3.750%
3.876%
.00
15
5 Year ARM - 30 yr.
After 5th year, mortgage adjusts every year
3.125%
3.355%
2.00
30
3.500%
3.651%
1.00
30
3.875%
3.946%
.00
30
5 Year ARM - 15 yr.
After 5th year, mortgage adjusts every year
3.125%
3.545%
2.00
15
3.500%
3.774%
1.00
15
3.875%
4.002%
.00
15
7 Year ARM - 30 yr.
After 7th year, mortgage adjusts every year
3.500%
3.735%
2.00
30
3.750%
3.904%
1.00
30
4.000%
4.071%
.00
30
7 Year ARM - 15 yr.
After 7th year, mortgage adjusts every year
3.500%
3.924%
2.00
15
3.750%
4.026%
1.00
15
4.000%
4.127%
.00
15
10 Year ARM - 30 yr.
After 10th year, mortgage adjusts every year
3.625%
3.861%
2.00
30
3.875%
4.030%
1.00
30
4.125%
4.197%
.00
30
10 Year ARM - 15 yr.
After 10th year, mortgage adjusts every year
3.625%
4.051%
2.00
15
3.875%
4.152%
1.00
15
4.125%
4.253%
.00
15
For purchase and refinance loans over $100,000,
0.125 percent has been deducted from current rates. The stated rate reflects the
discount. Margin is 2 1/2%. Cap is 2% Maximum Adjustment per Year — 6% LIFE.
Closing Rate is floor. May be convertible to Fixed Rate during 13th through 60th
months, $250 Conversion Fee — Use the 60 day FHLMC rate plus .375%, rounded to
the nearest eighth. Private Mortgage Insurance (PMI) is required for loans over
80% loan-to-value. Rates listed do not include PMI.
^ Quoted rates include our Rate Boost. Failure to
meet rate boost requirements will disqualify the account for the rate boost and
will currently lower your rate on the Valley Peak Checking, the Valley Money Market and the Valley Growth Money Market. Earn the highest rate when you have at least one of the following service relationships:
Direct deposit of $1,500 or more per month
An active debit card with three or more signature-based transactions per month
Enrollment in both Bill Payment and e-Statements with 2 or more bills per month
being paid.
Rates if you have an active VCU checking account **
$2,500-$4,999
0.50%
0.50%
$5,000-$9,999
0.50%
0.50%
$10,000-$24,999
0.50%
0.50%
$25,000-$49,999
0.65%
0.65%
$50,000-$99,999
0.75%
0.75%
$100,000-$249,999
0.85%
0.85%
$250,000 +
0.85%
0.85%
Check 'n' Save Money Market Account
Rates without an active VCU checking account.
$2,500-$4,999
0.30%
0.30%
$5,000-$9,999
0.30%
0.30%
$10,000-$24,999
0.30%
0.30%
$25,000-$49,999
0.45%
0.45%
$50,000-$99,999
0.55%
0.55%
$100,000-$249,999
0.65%
0.65%
$250,000 +
0.65%
0.65%
^ Opening deposit must be new money. Quoted rates include our Rate Boost.
Failure to meet rate boost requirements will disqualify the account for the rate
boost and will currently lower your rate on the Valley Peak Money Market, Valley Money Market
and the Valley Growth Money Market. Earn the highest rate when you have at least one of the following service relationships:
Direct deposit of $1,500 or more per month
An active debit card with three or more signature-based transactions per month
Enrollment in both Bill Payment and e-Statements with 2 or more bills per month
being paid.
** An active checking account has at least three member initiated transactions per
month to or from any of the following accounts: Valley Plus, Valley FREE, Valley
Advantage or Basic Checking.
Market Rate IRA
Available in Traditional, Roth, Conduit & Educationtypes
$5-$2,499
0.50%
0.50%
$2,500-$4,999
0.50%
0.50%
$5,000-$9,999
0.50%
0.50%
$10,000-$24,999
0.50%
0.50%
$25,000-$49,999
0.65%
0.65%
$50,000-$99,999
0.75%
0.75%
$100,000-$249,999
0.85%
0.85%
$250,000 +
0.85%
0.85%
Term
Dividend
Rate
Annual
Percentage
Yield
IRA Share Certificate
3 Months
0.60%
0.60%
6 Months
0.80%
0.80%
12 Months
1.05%
1.05%
18 Months
1.39%
1.40%
24 Months
1.69%
1.70%
30 Months
1.89%
1.90%
36 Months
2.18%
2.20%
48 Months
2.43%
2.45%
60 Months
2.73%
2.76%
*The deposit rates are variable and subject to change without notice. Rates
are determined by our Board of Directors at the end of each dividend period and
may be different than the rate quoted. See account disclosures for complete
details.
*Paid on balances up to $99,999.99. The deposit rates are variable
and subject to change without notice. Rates are determined by our Board of
Directors at the end of each dividend period and may be different than the rate
quoted.
Jumbo Certificate Rates*
Also available for IRA Certificates
Minimum Deposit
Dividend
Rate
Annual
Percentage
Yield
3 Months
$100,000
0.71%
0.71%
6 Months
$100,000
0.90%
0.90%
12 Months
$100,000
1.15%
1.15%
18 Months
$100,000
1.49%
1.50%
24 Months
$100,000
1.80%
1.81%
30 Months
$100,000
1.99%
2.00%
36 Months
$100,000
2.28%
2.30%
48 Months
$100,000
2.53%
2.55%
60 Months
$100,000
2.83%
2.86%
*Jumbo Certificate rates are available on balances of
$100,000 or more. The deposit rates are variable and subject to change without
notice. Rates are determined by our Board of Directors at the end of each
dividend period and may be different than the rate quoted.
