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Park View Federal Credit Union
Neighbors Serving Neighbors®

Rates

Vehicle Rates

Current as of 4/15/2014
Credit Score (Equifax)
Vehicle Model YearTerm*720+680-719
2013 and Newer1-361.99%2.99%
37-482.24%2.24%
49-602.49%3.49%
61-722.99%3.99%
73-843.99%4.99%
2011-20121-361.99%2.99%
37-482.24%3.24%
49-602.49%3.49%
61-722.99%3.99%
2009-20101-362.49%3.49%
37-482.74%3.74%
49-602.99%3.99%
61-723.49%4.49%
2007-20081-363.49%4.49%
37-483.74%4.74%
49-603.99%4.99%
2006 and Older1-244.49%5.49%
25-364.99%5.99%
37-485.49%6.49%
Maximum LTV^130%120%

*approximate loan term

^Loan-to-Value (LTV) is the percentage of the value that you are looking to loan from the credit union. This value is based off Dealer Invoice for new vehicles or NADA wholesale values for used vehicles. If you are unsure about how to obtain the value please contact us.

All rates listed are the Annual Percentage Rate (APR) and are fixed. Down payment on vehicle loans varies depending on your credit score and the purchase price of the vehicle. Debt payments including all bills must not exceed 35% of your total gross income.

For commercial vehicle rates please contact a business loan officer.

Share Savings and Clubs

Current as of 4/15/2014
Balance ($25 minimum to open Share Savings)APY*Dividend Rate
over $25,0000.15%0.150%
balances to $25,0000.10%0.100%

*APY = Annual Percentage Yield; Dividends are paid quarterly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.

Health Savings Account (HSA) Rates

Current as of 4/15/2014
BalanceAPY*Dividend Rate
over $5,0000.40%0.399%
balances to $5,0000.10%0.100%

*APY = Annual Percentage Yield; Dividends are paid quarterly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.

Specialty Club Accounts (Christmas, Car club)

Current as of 4/15/2014
BalanceAPY*Dividend Rate
all balances0.25%0.250%

*APY = Annual Percentage Yield; Dividends are paid quarterly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.

Individual Retirement Account (IRA) Shares

Current as of 4/15/2014
BalanceAPY*Dividend Rate
$250 minimum to open0.25%0.250%

*APY = Annual Percentage Yield; Dividends are paid quarterly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.

Education Savings Account (ESA) Shares

Current as of 4/15/2014
BalanceAPY*Dividend Rate
$250 minimum to open0.25%0.250%

*APY = Annual Percentage Yield; Dividends are paid quarterly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.

Dividend/Simple Choice/Premium Advantage Checking Rates

Current as of 4/15/2014
Balance ($1,000 minimum for dividends)APY*Dividend Rate
over $25,0000.15%0.150%
over $10,0000.10%0.100%
balances to $10,0000.05%0.050%

*APY = Annual Percentage Yield; Dividends are paid monthly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. Dividends paid on Simple Choice Checking only if that option is selected as part of customized account.

Money Market Rates

Current as of 4/15/2014
Balance ($1,500 minimum to open)APY*Dividend Rate
over $200,0000.50%0.499%
over $100,0000.40%0.399%
over $75,0000.30%0.300%
over $25,0000.20%0.200%
less than $25,0000.10%0.100%

*APY = Annual Percentage Yield; Dividends are paid monthly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.

Business Advantage Checking Rates

Current as of 4/15/2014
Balance ($50 minimum to open)APY*Dividend Rate
$250,000 and over1.00%0.995%
$50,000 - $249,9990.35%0.349%
$10,000 - $49,9990.25%0.250%
$2,500 - $9,9990.10%0.100%
less than $2,5000.00%0.000%

*APY = Annual Percentage Yield; Dividends are paid monthly on a Tier B calculation. Dividends in each tier are calculated separately from other tiers. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.

Regular Fixed Rate Certificates

Current as of 4/15/2014
Min. Opening DepositTermAPY*Dividend Rate
$1,0006 months0.20%0.200%
1 year0.30%0.300%
18 months0.55%0.549%
2 years0.80%0.798%
30 months0.85%0.847%
3 years0.95%0.947%
4 years1.00%0.996%
5 years1.05%1.046%
$90,0006 months0.25%0.250%
1 year0.35%0.350%
18 months0.60%0.599%
2 years0.85%0.847%
30 months0.90%0.897%
3 years1.00%0.996%
4 years1.10%1.093%
5 years1.20%1.196%

*APY = Annual Percentage Yield; Dividends are paid quarterly. A 90-day dividend penalty will be assessed on early withdrawals on certificates up to 3-year terms, and a 180-day penalty on early withdrawals from 4 and 5 year term certificates. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.

One Penalty-Free Withdrawal Certificates (after 6 months)

Current as of 4/15/2014
Min. Opening DepositTermAPY*Dividend Rate
$5,0001 year0.20%0.200%
$10,0002 years0.30%0.300%
$50,0002 years0.40%0.399%

*APY = Annual Percentage Yield; Dividends are paid quarterly. A 90-day dividend penalty will be assessed on early withdrawals on certificates less than 6 months from opening. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.

Non-Liquid Deposit Accounts

Current as of 4/15/2014
Min. Opening DepositTermAPY*Dividend Rate
$25,0005 years1.70%1.689%
7 years2.00%1.985%
Other insured, fixed and market rate choices with terms of 4 years and greater are available. Contact us for more info.

*APY = Annual Percentage Yield; Dividends are paid quarterly. Non-liquid accounts may be sold or transferred but not redeemed before their maturity date except upon death of the owner(s). In the event of death, the beneficiary may choose to redeem with a 90-day dividend penalty or transfer the account within the credit union for a $25 transfer fee. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.

Grow With Me Certificates

Current as of 4/15/2014
BalanceTermAPY*Dividend Rate
less than $50,000Until age 18 2.75%2.722%
$50,000 and overUntil age 180.15%0.150%

*APY = Annual Percentage Yield; Dividends are paid quarterly. Rates may change annually in July. A 365-day dividend penalty will be assessed on early withdrawals on certificates. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To recieve the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.

Education Savings Account (ESA) Certificates

Current as of 4/15/2014
Min. Opening DepositTermAPY*Dividend Rate
$5001 year0.40%0.399%
2 years0.85%0.847%
3 years1.10%1.096%
5 years1.50%1.492%
$10,0001 year0.40%0.399%
2 years0.85%0.847%
3 years1.10%1.096%
5 years1.50%1.492%

*APY = Annual Percentage Yield; Dividends are paid quarterly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any share account closed before accrued dividends are credited or for any certificate closed before maturity. Earnings may also be reduced by fees associated with some accounts.

Individual Retirement Account (IRA) Certificates

Current as of 4/15/2014
Min. Opening DepositTermAPY*Dividend Rate
$5001 year0.40%0.399%
2 years0.85%0.847%
3 years1.10%1.096%
5 years1.50%1.492%
$90,0001 year0.40%0.399%
2 years0.85%0.847%
3 years1.10%1.096%
5 years1.50%1.492%

*APY = Annual Percentage Yield; Dividends are paid quarterly. Early withdrawals from certificates will only have a dividend penalty if the account holder is less than 70 1/2 years of age. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.

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© Park View Federal Credit Union | Phone: 888.900.6444 • 540.434.6444 | Fax: 540.433.0108
Partnering with our members, as owners, to achieve and maintain financial stability throughout life stages
by providing excellent personalized service, sound financial products and innovative solutions.

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