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Saving Rates

Member Share Certificate Rates (includes IRA Certificates)*

Valid April 14, 2021 through April 20, 2021

Minimum Balance - $50,000 and over

  Dividend Rate* Annual Percentage Yield*
6 Months 0.44% 0.44%
1 Year 0.48% 0.48%
2 Years 0.55% 0.55%
3 Years 0.65% 0.65%
4 Years 0.75% 0.75%
5 Years 0.85% 0.85%

Minimum Balance - $10,000 to $49,999.99

  Dividend Rate* Annual Percentage Yield*
6 Months 0.43% 0.43%
1 Year 0.47% 0.47%
2 Years 0.53% 0.53%
3 Years 0.63% 0.63%
4 Years 0.73% 0.73%
5 Years 0.83% 0.83%

Minimum Balance - $2,000 to $9,999.99

  Dividend Rate* Annual Percentage Yield*
6 Months 0.41% 0.41%
1 Year 0.46% 0.46%
2 Years 0.52% 0.52%
3 Years 0.62% 0.62%
4 Years 0.72% 0.72%
5 Years 0.82% 0.82%

Minimum Balance - $400 to $1,999.99

  Dividend Rate* Annual Percentage Yield*
6 Months 0.40% 0.40%
1 Year 0.45% 0.45%
2 Years 0.50% 0.50%
3 Years 0.60% 0.60%
4 Years 0.70% 0.70%
5 Years 0.80% 0.80%

Money Market Shares

Valid through April 2021

 Amount Dividend Rate Annual Percentage Yield** Min. Balance 
$50,000 and over 0.20% 0.20% $50,000.00
$10,000 - $49,999.99 0.15% 0.15% $10,000.00
Base Rate 0.10% 0.10% $2,000.00

Health Savings Account

 Amount Dividend Rate Annual Percentage Yield** Min. Balance
$50,000 and over 0.20% 0.20% $50,000.00
$10,000 - $49,999.99 0.15% 0.15% $10,000.00
Base Rate 0.10% 0.10% $2,000.00

Share Draft

Dividend Rate Annual Percentage Yield Min. Balance
0.05% 0.05% $2,000.00

Anticipated Second Quarter 2021

Share Savings

Dividend Rate Annual Percentage Yield Min. Balance
0.05% 0.05% $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
0.75% 0.75% $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***Christmas Club: There is a $25 early withdrawal fee if funds are withdrawn prior to October 31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 April 14, 2021 through April 20, 2021

Minimum Balance - $50,000 and over

  Dividend Rate Annual Percentage Yield
6 Months 0.44% 0.44%
1 Year 0.48% 0.48%
2 Years 0.55% 0.55%
3 Years 0.65% 0.65%
4 Years 0.75% 0.75%
5 Years 0.85% 0.85%

Minimum Balance - $10,000 to $49,999.99

  Dividend Rate Annual Percentage Yield
6 Months 0.43% 0.43%
1 Year 0.47% 0.47%
2 Years 0.53% 0.53%
3 Years 0.63% 0.63%
4 Years 0.73% 0.73%
5 Years 0.83% 0.83%

Minimum Balance - $2,000 to $9,999.99

  Dividend Rate Annual Percentage Yield
6 Months 0.41% 0.41%
1 Year 0.46% 0.46%
2 Years 0.52% 0.52%
3 Years 0.62% 0.62%
4 Years 0.72% 0.72%
5 Years 0.82% 0.82%

Minimum Balance - $400 to $1,999.99

  Dividend Rate Annual Percentage Yield
6 Months 0.40% 0.40%
1 Year 0.45% 0.45%
2 Years 0.50% 0.50%
3 Years 0.60% 0.60%
4 Years 0.70% 0.70%
5 Years 0.80% 0.80%

Money Market Shares

Valid through April 2021

 Amount Dividend Rate Annual Percentage Yield Min. Balance 
$50,000 and over 0.20% 0.20% $50,000.00
$10,000 - $49,999.99 0.15% 0.15% $10,000.00
Base Rate 0.10% 0.10% $2,000.00

Share Draft

Dividend Rate Annual Percentage Yield Min. Balance
0.05% 0.05% $2,000.00

Anticipated Second Quarter 2021

Share Savings

Dividend Rate Annual Percentage Yield Min. Balance
0.05% 0.05% $25.00

 

Consumer Loan Rates   

  • Effective as of April 1, 2021
  • For more information please contact us
  • APR = Annual Percentage Rate

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
Under $10,000 : 48 months 3.49%    2014 or newer   
$15,000 : 60 months 3.59%
 $20,000 : 72 months  3.75%
 $25,000 : 84 months  3.75%

 

Older Autos (8 - 10 years old)
 
 Year 2013: 36 months  3.99%   Vehicle inspection required 
Year 2012: 24 months 4.95%
Year 2011: 24 months 4.95%
Classic Cars Up to 60 months 5.25%  Minimum 20% down payment required 
72-144 months 7.50%
Airplanes, Boats, Motorhomes and Travel Trailers Up to 60 months 4.00% Call MVFCU for terms and conditions 
61-144 months 4.99%
Motorcycles, ATVs, Jet Skis, Snow machines,
Horse Trailers, Utility Trailers, Lawn Tractors, & Riding Lawnmowers
$9,999 or below: Up to 48 months 3.25% Call MVFCU for terms and conditions  
$10,000 and over: Up to 60 months 3.25%
$15,000 and over: Up to 72 months 3.50%

 

Everyday Loans

Loan Type 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. 10.45% n/a  Maximum unsecured loan amount may be up to 200% of gross monthly income
not to exceed $20,000. 
Line of Credit (unsecured) 11.90% Variable 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 12.25% n/a  See More Information.** 
VISA Classic Credit Card Variable 7.25% - 10.25% 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 April 16, 2021
  • 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 APR
10 years a 95% 2.750% 3.154%
15 years b 95% 2.750% 3.027%
20 years c 95% 3.250% 3.470%
30 years d 95% 3.375% 3.532%

Owner Occupied Second Deed of Trust: Single Family Residence

Loan Term Max Loan to Value Interest Rate APR
Up to 7 years f 80% 6.750% 6.995%
Up to 15 years g 80% 7.750% 7.913%

Recreational Cabin: Primary Residence or a Second Home

Loan Term Max Loan to Value Interest Rate APR
15 years e 75% 6.50% 6.648%

Improved/Un-Improved Residential Land: Residential Lot with Improvements 

Loan Term Max Loan to Value Interest Rate AP
8 years h 70% 6.850% 7.274%
12 years i 70% 7.350% 7.663%

Home Equity Line First Deed of Trust

Maximum Loan amount $500,000, No Loan Origination Fee. Current Prime Rate: 3.250%

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: 3.250%

Loan Term Max Loan to Value Base Interest Rate Rate Floor Rate Ceiling
7 year draw 70% Prime + 0.75% 5.00% 15.00%

Notes:

a

Assumes a 20% down payment on a loan amount of $100,000 and a minimum credit score of 740.
The monthly payment in this example is $954.11, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.

b

Assumes a 20% down payment on a loan amount of $100,000 and a minimum credit score of 740.
The monthly payment in this example is $678.62, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.

c

Assumes a 20% down payment on a loan amount of $100,000 and a minimum credit score of 740.
The monthly payment in this example is $567.20, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.

d

Assumes a 20% down payment on a loan amount of $100,000 and a minimum credit score of 740.
The monthly payment in this example is $442.10, which could change if reserves are held for insurance and /or taxes. Other risk based pricing factors may also affect the payment and APR.

e

Assumes a 25% down payment on a loan amount of $100,000 and a minimum credit score of 740.
The monthly payment in this example is $871.11, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.

f

Assumes a 20% down payment on a loan amount of $50,000 and a minimum credit score of 740.
The monthly payment in this example is $748.54, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.

g

Assumes a 20% down payment on a loan amount of $50,000 and a minimum credit score of 740.
The monthly payment in this example is $470.64, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.

h

Assumes a 30% down payment on a loan amount of $50,000 and a minimum credit score of 740.
The monthly payment in this example is $677.96, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.

i

Assumes a 30% down payment on a loan amount of $50,000 and a minimum credit score of 740.
The monthly payment in this example is $523.57, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.

j

Assumes a 40% down payment on a loan amount of $50,000 and a minimum credit score of 740.
The monthly payment in this example is $677.96, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.

k

Assumes a 40% down payment on a loan amount of $50,000 and a minimum credit score of 740.
The monthly payment in this example is $523.57, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.

MVFCU NMLS#418470

Hawaii Residential Real Estate Loan Rates

  • Effective as of April 16, 2021
  • 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 Mortgage: Single Family Residence

Loan Term Max Loan to Value Interest Rate APR
10 years a 95% 2.750% 3.372%
15 years b 95% 2.750% 3.176%
20 years c 95% 3.250% 3.586%
30 years d 95% 3.375% 3.616%

Owner Occupied Second Mortgage: Single Family Residence

Loan Term Max Loan to Value Interest Rate APR
Up to 7 years g 80% 6.750% 6.995%
Up to 15 years h 80% 7.750% 7.913%

Island Home

Loan Term Max Loan to Value Interest Rate APR
10 years e 80% 5.000% 5.898%
15 years f 80% 5.500% 6.141%

Residential Land: Residential Lot or Small Tracts not for Development

Loan Term Max Loan to Value Interest Rate APR
8 years i 70% 6.850% 7.274%
12 years j 70% 7.350% 7.663%

Home Equity Line First Mortgage

Max Loan amount $500,000, No Loan Origination Fee. Current Prime Rate: 3.250%

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: 3.250%

Loan Term Max Loan to Value Base Interest Rate Rate Floor Rate Ceiling
7 year draw 70% Prime + 0.75% 5.00% 15.00%

Notes:

a

Assumes a 20% down payment on a loan amount of $200,000 and a minimum credit score of 740.
The monthly payment in this example is $1,908.22, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.

b

Assumes a 20% down payment on a loan amount of $200,000 and a minimum credit score of 740.
The monthly payment in this example is $1,357.24, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.

c

Assumes a 20% down payment on a loan amount of $200,000 and a minimum credit score of 740.
The monthly payment in this example is $1,134.39, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.

d

Assumes a 20% down payment on a loan amount of $200,000 and a minimum credit score of 740.
The monthly payment in this example is $884.19, which could change if reserves are held for insurance and /or taxes. Other risk based pricing factors may also affect the payment and APR.

e

Assumes a 20% down payment on a loan amount of $200,000 and a minimum credit score of 740.
The monthly payment in this example is $2,121.31, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.

f

Assumes a 20% down payment on a loan amount of $200,000 and a minimum credit score of 740.
The monthly payment in this example is $1,634.17, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.

g

Assumes a 20% down payment on a loan amount of $50,000 and a minimum credit score of 740.
The monthly payment in this example is $748.54, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.

h

Assumes a 20% down payment on a loan amount of $50,000 and a minimum credit score of 740.
The monthly payment in this example is $470.64, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.

i

Assumes a 30% down payment on a loan amount of $50,000 and a minimum credit score of 740.
The monthly payment in this example is $677.96, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.

j

Assumes a 30% down payment on a loan amount of $50,000 and a minimum credit score of 740.
The monthly payment in this example is $523.57, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.

 MVFCU NMLS# 418470