Rates
Loan Rates
Loan rates current as of January 10, 2025.
To process your loan application, we request the following information:
- Most current pay stub with Year to Date (YTD) earnings included.
- Past three (3) months of primary bank statements.
- Does not apply if Mint Valley FCU is your primary financial institution.
Auto Loans
| Vehicle Age | Max. Term (Months) | APR* |
|---|---|---|
|
0–2 Years |
84 Months |
5.49% – 16.99% |
|
3–9 Years |
84 Months |
5.74% – 17.99% |
|
10+ Years |
84 Months |
8.49% – 18.00% |
Motorcycle & Recreational Loans
| Vehicle Type | Max. Term (Months) | APR* |
|---|---|---|
|
Motorcycles, ATVs, Personal Watercraft, etc.
|
84 Months |
8.00% – 18.00% |
|
RVs & Boats |
120 Months |
7.25% – 18.00% |
Personal Loans & Lines of Credit
| Product/Loan | Max. Term (Months) | APR* |
|---|---|---|
|
Visa® Rewards Credit Card |
|
10.90% – 17.90% |
|
Unsecured Loan |
60 Months |
9.49% – 18.00% |
|
Share Secured Loan |
120 Months |
Fixed 2.10% |
Deposit Account Rates
Deposit rates current as of January 27, 2025.
Savings
| Account | Min. Deposit | Dividend Rate | APY† |
|---|---|---|---|
|
Regular Shares |
$5.00 |
0.10% |
0.10% |
|
Money Market |
$1,000.00 |
0.50% |
0.50% |
|
Individual Retirement Account (IRA) |
$50.00 |
0.20% |
0.20% |
|
Savings Safari Club |
$5.00 |
0.10% |
0.10% |
|
Christmas Club |
$0.00 |
0.10% |
0.10% |
Share Certificates
| Term | Min. Deposit | Dividend Rate | APY† |
|---|---|---|---|
|
6 Month Certificate
|
$500.00 |
3.75% |
3.815% |
|
6 Month Super Saver Plus Certificate
|
$250 Monthly Deposit Required |
3.75% |
3.815% |
|
12 Month Certificate
|
$1,000.00 |
3.80% |
3.867% |
|
12 Month Jumbo Certificate
|
$50,000.00 |
3.90% |
3.97% |
|
18 Month Certificate
|
1,000.00 |
3.50% |
3.557% |
|
24 Month Certificate
|
$1,000.00 |
3.15% |
3.196% |
*APR=Annual Percentage Rate. Membership eligibility required. All loans are subject to credit approval. Rates and financing are offered based on individual applicant’s creditworthiness and the term of the loan. All rates are subject to change and quotes as annual percentage rates (APR). Please contact Mint Valley Federal Credit Union for current rates and special offers.
†APY=Annual Percentage Rate. Membership eligibility required. All rates are subject to change. Fees may reduce earnings. Additional terms and conditions may apply. Please contact Mint Valley Federal Credit Union for current rates and special offers. This credit union is federally insured by the National Credit Union Administration.