Rates
Saving Rates
Member Share Certificate Rates (includes IRA Certificates)*
Valid December 4, 2024 through December 10, 2024
Minimum Balance - $10,000 and over
Dividend Rate* | Annual Percentage Yield* | |
---|---|---|
6 Months | 2.00% | 2.01% |
1 Year | 4.18% | 4.25% |
2 Years | 2.50% | 2.52% |
3 Years | 2.72% | 2.75% |
5 Years | 3.00% | 3.03% |
Minimum Balance - $400 to $9,999.99
Dividend Rate* | Annual Percentage Yield* | |
---|---|---|
6 Months | 1.97% | 1.98% |
1 Year | 4.18% | 4.25% |
2 Years | 2.47% | 2.49% |
3 Years | 2.72% | 2.75% |
5 Years | 2.97% | 3.00% |
Money Market Shares
Valid through December 2024
Amount | Dividend Rate | Annual Percentage Yield** | Min. Balance |
---|---|---|---|
$50,000 and over | 0.65% | 0.65% | $50,000.00 |
$10,000 - $49,999.99 | 0.55% | 0.55% | $10,000.00 |
Base Rate | 0.45% | 0.45% | $2,000.00 |
Health Savings Account
Amount | Dividend Rate | Annual Percentage Yield** | Min. Balance |
---|---|---|---|
$50,000 and over | 0.65% | 0.65% | $50,000.00 |
$10,000 - $49,999.99 | 0.55% | 0.55% | $10,000.00 |
Base Rate | 0.45% | 0.45% | $2,000.00 |
Share Draft
Dividend Rate | Annual Percentage Yield | Min. Balance |
---|---|---|
0.05% | 0.05% | $2,000.00 |
Anticipated Fourth Quarter 2024
Share Savings
Dividend Rate | Annual Percentage Yield | Min. Balance |
---|---|---|
0.10% | 0.10% | $25.00 |
IRA Savings
Dividend Rate | Annual Percentage Yield | Min. Balance |
---|---|---|
0.05% | 0.05% | $25.00 |
Christmas Club
Dividend Rate | Annual Percentage Yield*** | Min. Balance |
---|---|---|
2.73% | 2.75% | $50.00 |
*There is a penalty for early withdrawal from a Certificate or IRA Certificate. If funds are taken out prior to maturity of a Certificate or IRA Certificate, there is a penalty of: 30 days – dividends forfeited if the Certificate matures in 365 days or less; 60 days – dividends forfeited if the Certificate matures in two years; and 90 days – dividends forfeited if the Certificate matures in three years or more.
**APY = Annual Percentage Yield
***Christmas Club: There is a $25 early withdrawal fee if funds are withdrawn prior to October 31
Interest and Dividend Rate Sheets, Brochures and Applications for specific services and products and Fee Schedules are available at any MVFCU office. MVFCU waives the fees of some services for senior citizens age 60 and over.
Business Savings Rates
Business Share Certificate Rates
Valid December 4, 2024 through December 10, 2024
Minimum Balance - $10,000 and over
Dividend Rate | Annual Percentage Yield | |
---|---|---|
6 Months | 2.00% | 2.01% |
1 Year | 4.18% | 4.25% |
2 Years | 2.50% | 2.52% |
3 Years | 2.72% | 2.75% |
5 Years | 3.00% | 3.03% |
Minimum Balance - $400 to $9,999.99
Dividend Rate | Annual Percentage Yield | |
---|---|---|
6 Months | 1.97% | 1.98% |
1 Year | 4.18% | 4.25% |
2 Years | 2.47% | 2.49% |
3 Years | 2.72% | 2.75% |
4 Years | 2.87% | 2.90% |
5 Years | 2.97% | 3.00% |
Money Market Shares
Valid through December 2024
Amount | Dividend Rate | Annual Percentage Yield | Min. Balance |
---|---|---|---|
$50,000 and over | 0.65% | 0.65% | $50,000.00 |
$10,000 - $49,999.99 | 0.55% | 0.55% | $10,000.00 |
Base Rate | 0.45% | 0.45% | $2,000.00 |
Share Draft
Dividend Rate | Annual Percentage Yield | Min. Balance |
---|---|---|
0.05% | 0.05% | $2,000.00 |
Anticipated Fourth Quarter 2024
Share Savings
Dividend Rate | Annual Percentage Yield | Min. Balance |
---|---|---|
0.10% | 0.10% | $25.00 |
Consumer Loan Rates
- Effective as of November 1, 2024
- For more information please contact us
Loan requests are usually answered within 24 hours of submitting your completed application.
We offer zero down for qualified members with medium to high credit quality ratings on most loan types.
Vehicle Loans
Loan Type | Suggested Term | Base Interest Rate* | Terms and Conditions |
---|---|---|---|
New or Used Autos and Street Motorcycles |
Under $10,000 : 48 months | 5.99% | 2017 or newer |
$10,000 : 60 months | 6.09% | ||
$15,000 : 72 months | 6.24% | ||
$20,000 : 84 months | 6.74% | ||
$45,000 : 96 months | 7.49% | ||
Older Autos and Street Motorcycles (8 - 10 years old) | Maximum $35,000 Year 2014 - 2016: 60 months |
6.99% | Vehicle inspection required |
Classic Cars |
Up to 60 months | 8.00% | Minimum 20% down payment required |
72-144 months | 10.25% | ||
Airplanes, Boats, Motorhomes and Travel Trailers
|
Up to 60 months | 7.40% | Call MVFCU for Terms and Conditions Motorhomes – older than 15 years are reviewed for approval |
61-144 months | 8.40% | ||
145-180 months | 8.90% | ||
Electric Bicycles, Motorcycles, ATVs, Jet Skis, Snow Machines, Slide in Campers, Riding Lawnmowers Horse Trailers, Lawn Tractors and Utility Trailers |
$9,999 or below : 48 months | 6.90% | New or used Collateral 2017 and newer |
$10,000 and over : 60 months | 6.90% | ||
$15,000 and over : 72 months | 7.40% | ||
$25,000 and over : 84 months | 8.40% |
Everyday Loans
Loan Type | Suggested Term | Base Interest Rate* | Usual Down Payment | Terms and Conditions |
---|---|---|---|---|
Signature Loan (unsecured) Maximum unsecured loan amount may be up to 200% of gross monthly income not to exceed $20,000 | up to 36 months | 13.10% | n/a | Maximum unsecured loan amount may be up to 200% of gross monthly income not to exceed $20,000 |
37-60 months | 14.65% | n/a | ||
Line of Credit (unsecured) | 11.90% | n/a | Maximum unsecured loan amount may be up to 200% of gross monthly income not to exceed $20,000 | |
Credit Builder Not available on Money Market (20) account | Dividend Rate + 2.00% | n/a | Not available on Money Market (20) account | |
VISA Secured Credit Card | 16.25% | n/a | See More Information** | |
VISA Classic Credit Card | Variable 11.25% - 14.25% | n/a | See More Information*** |
*The Base Interest Rate: is the lowest interest rate available at MVFCU. Your actual interest rate may be higher depending on your credit history. Each loan request is considered on an individual basis.
**VISA Secured More Information: As market conditions fluctuate, so does your interest rate. The rate is tied to a market prime plus a percentage (as low as prime +9%). Interest rates are the same for purchases and cash advances. You have 30 days to repay your balance for purchases before being charged a finance charge. No minimum finance charge, no per transaction fees, Cash Advance Fee $5.00 (per day a cash advance is made, not per advance), Late Payment Fee $15.00, cannot exceed the minimum payment due. An Annual Fee of $20 will be billed during the card's anniversary month.
***VISA Classic More Information: As market conditions fluctuate, so does your interest rate. The rate is tied to a market prime plus a percentage (as low as prime +4%). Interest rates are the same for purchases and cash advances. You have 30 days to repay your balance for purchases before being charged a finance charge. No minimum finance charge, no per transaction fees, Cash Advance Fee $5.00 (per day a cash advance is made, not per advance), Late Payment Fee $15.00, cannot exceed the minimum payment due.
Alaska Residential Real Estate Loan Rates
- Effective as of December 4, 2024
- For more information please contact us
- APR = Annual Percentage Rate
Interest Rates are subject to change without notice and may vary based on your credit history, loan amount and/or property type. Actual APR on some loans may be higher based on loan amount and terms selected.
Owner Occupied First Deed of Trust: Single Family Residence
Loan Term | Max Loan to Value | Interest Rate & Annual Percentage Rate |
10 years | 95% | Please contact a Residential Loan Officer or call 907.745.9165 for current rates |
15 years | 95% | Please contact a Residential Loan Officer or call 907.745.9165 for current rates |
20 years | 95% | Please contact a Residential Loan Officer or call 907.745.9165 for current rates |
30 years | 95% | Please contact a Residential Loan Officer or call 907.745.9165 for current rates |
Recreational Cabin: Primary Residence or a Second Home
Loan Term | Max Loan to Value | Interest Rate | APR |
15 years a | 75% | 8.500% | 8.819% |
Owner Occupied Second Deed of Trust: Single Family Residence
Loan Term | Max Loan to Value | Interest Rate | APR |
Up to 10 years b | 80% | 10.000% | 10.495% |
Up to 15 years c | 80% | 10.500% | 10.870% |
Improved/ Un-improved Residential Land
Loan Term | Max Loan to Value | Interest Rate | APR |
10 years d | 75% | 8.250% | 8.729% |
15 years e | 75% | 8.250% | 8.596% |
Improved/ Un-improved Recreational Land
Loan Term | Max Loan to Value | Interest Rate | APR |
10 years f | 70% | 8.250% | 8.729% |
15 years g | 70% | 8.250% | 8.596% |
Improved/ Un-improved Remote Land
Loan Term | Max Loan to Value | Interest Rate | APR |
10 years h | 60% | 11.000% | 11.505% |
15 years i | 60% | 11.000% | 11.376% |
Home Equity Line First Deed of Trust
Maximum Loan amount $500,000, No Loan Origination Fee. Current Prime Rate: 7.750%
Loan Term | Max Loan to Value | Base Interest Rate | Rate Floor | Rate Ceiling |
7 year draw | 80% | Prime + 0.25% | 5.00% | 15.00% |
Home Equity Line Second Deed of Trust
Max Loan amount $300,000, No Loan Origination Fee. Current Prime Rate: 7.750%
Loan Term | Max Loan to Value | Base Interest Rate | Rate Floor | Rate Ceiling |
7 year draw | 80% | Prime + 0.75% | 5.00% | 15.00% |
Notes:
MVFCU NMLS#418470
Hawaii Residential Real Estate Loan Rates
- Effective as of December 4, 2024
- For more information please contact us
- APR = Annual Percentage Rate
Interest Rates are subject to change without notice and may vary based on your credit history, loan amount and/or property type. Actual APR on some loans may be higher based on loan amount and terms selected.
Owner Occupied First Deed of Trust: Single Family Residence
Loan Term | Max Loan to Value | Interest Rate & Annual Percentage Rate |
10 years | 95% | Please contact a Residential Loan Officer or call 907.745.9165 for current rates |
15 years | 95% | Please contact a Residential Loan Officer or call 907.745.9165 for current rates |
20 years | 95% | Please contact a Residential Loan Officer or call 907.745.9165 for current rates |
30 years | 95% | Please contact a Residential Loan Officer or call 907.745.9165 for current rates |
Island Home
Loan Term | Max Loan to Value | Interest Rate | APR |
15 years a | 80% | 8.500% | 8.748% |
Owner Occupied Second Mortgage: Single Family Residence
Loan Term | Max Loan to Value | Interest Rate | APR |
Up to 10 years b | 80% | 10.000% | 10.495% |
Up to 15 years c | 80% | 10.500% | 10.870% |
Home Equity Line First Mortgage
Max Loan amount $500,000, No Loan Origination Fee. Current Prime Rate: 7.750%
Loan Term | Max Loan to Value | Base Interest Rate | Rate Floor | Rate Ceiling |
7 year draw | 80% | Prime + 0.25% | 5.00% | 15.00% |
Home Equity Line Second Mortgage
Max Loan amount $300,000, No Loan Origination Fee. Current Prime Rate: 7.750%
Loan Term | Max Loan to Value | Base Interest Rate | Rate Floor | Rate Ceiling |
7 year draw | 80% | Prime + 0.75% | 5.00% | 15.00% |
Notes:
MVFCU NMLS# 418470