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Rates

Share and Loan Rates are current as of November 13, 2018
Every effort has been made to present this information accurately.
Rates are subject to change without notice.
  
Click here to jump to loan rates

Share/Savings Rates

Share Type

Min. Balance

Dividend Rate

APY*

Regular Shares (S1)

$5.00

0.15%

0.15%

Holiday Shares (S2)

$0.00

0.10%

0.10%

Vacation Shares (S3)

$0.00

0.10%

0.10%

Share Draft/Checking (S4)

$0.00

0.02%

0.02%

IRA (S5) & Roth IRA's (S10), (S20)

$0.00

0.35%

0.35%

Alternate Shares (S6)

$0.00

0.10%

0.10%

Statement Savings (S7)

$0.00

0.15%

0.15%

Super Saver (S8

$0.00

0.15%

0.15%

Dividends are credited to your account monthly. APY is subject to change monthly.



Share/IRA Certificate Rates

Term

Dividend Rate

APY*

3 months

0.40%

0.40%

6 months

0.80%

0.80%

12 months

1.59%

1.60%

24 months

1.98%

2.00%

36 months

2.28%

2.30%

60 months

2.76%

2.80%

Minimum opening deposit is $500. Share certificates are term accounts and a penalty will be imposed for early withdrawal. APY is subject to change monthly. Click here to learn more.



Money Market Rates

Balance

Tier

Dividend Rate

APY*

$0 to $2,499.99

1st

0.00%

0.00%

$2,500 to $9,999.99

2nd

0.15%

0.15%

$10,000 to $24,999.99

3rd

0.20%

0.20%

$25,000 to $49,999.99

4th

0.30%

0.30%

$50,000 +

5th

0.40%

0.40%

APY is subject to change weekly. Dividends are paid from the day of deposit to the day of withdrawal. Dividends are calculated on actual daily balances. If the daily balance falls below $2,500, no dividends are earned until the daily balance reaches $2,500. Dividends are compounded daily and paid monthly into Money Market shares. Once the particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. Click here to learn more.

*APY = Annual Percentage Yield and assumes dividends remain on deposit for one year. 
Rate may change after account opening. Fees could reduce earnings on the account
(only applies if maintenance or activity fees are associated with the account).

 

 


Loan Rates As Low As**

 **Rates are determined by an evaluation of the applicant's credit and the actual rate may vary.
"A" tier rates advertised. See chart below for adjustments.

"A" tier rates advertised
Follow this chart for adjustments

Tier

Credit Score

Rate Adjustment

A

750+

Base Rate

B

680 - 749

+0.50%

C

590 - 679

+3.00%

D

<589

+5.00%

 

Fixed Rate Home Equity1

Term

APR as low as

Monthly Payment

36 months

3.39%

$29.26

60 months

3.69%

$18.28

120 months

3.99%

$10.13

180 months

4.59%

$7.70

240 months

5.39%

$6.82

All payments quoted above are based upon $1,000 borrowed. Rates based on $5,000 minimum. Calculate your payment with our loan calculator.


Home Equity Line of Credit1

Term

APR

Monthly Payment

120 months

4.00%

$10.11

Minimum $5,000
6 month intro rate = Prime - 2.50%
Regular rate = Prime - 1.50%
Rate floor = 4.00%

APR may vary. Payment quoted above is based upon $1,000 borrowed.


1Home equity fixed and line of credit requires a $50.00 government recording fee due at time of application.
Home equity loans are limited to 85% of property value minus any existing liens. Loans are limited to 1 to 4 family, owner occupied or second homes which are residential properties. Loans are limited to Berks, Bucks, Carbon, Lehigh, Montgomery, Northampton, and Schuylkill. All Home Equity Loans require an appraisal.
Click here to learn more about Home Equity loans.

Auto Loans - New 
up to $75,000

Term

APR as low as

Monthly Payment

36 months

1.99%

$28.64

48 months

2.99%

$22.14

60 months

3.19%

$18.06

72 months

3.69%

$15.51

84 months

3.99%

$13.67

All payments quoted above based upon $1,000 borrowed. No discounts or current LVECU auto loan refinances available with the above rates. Loans for new vehicles purchased through a dealer are limited to sales price plus tax. Recreational vehicles are priced 5.00% higher than the credit union’s
auto loan rates.
Click here to learn more.

Auto Loans - Used
up to $75,000

Term

APR as low as

Monthly Payment

36 months

1.99%

$28.64

48 months

2.99%

$22.14

60 months

3.19%

$18.06

72 months

3.69%

$15.51

84 months

3.99%

$13.67

All payments quoted above based upon $1,000 borrowed. No discounts or current LVECU auto loan refinances available with the above rates. Loans for used vehicles purchased through a dealer are limited to sales price plus tax. Used vehicles purchased privately can be financed for 100% of the clean retail value as calculated on the N.A.D.A. website. Recreational vehicles are priced 5.00% higher than the credit union’s auto loan rates. Click here to learn more.

Personal Line of Credit
up to $10,000

 

Term

APR

PLOC rate = prime + 7% changes monthly

revolving

12.25%

APR may vary. Click here to learn more.

 

Unsecured Personal Loan
up to $55,000

Term

APR as low as

Monthly Payment

36 months

7.75%

$31.22

48 months

8.00%

$24.41

60 months

8.25%

$20.40

72 months

11.69%

$19.39

84 months

12.39%

$17.86

All payments quoted above based upon $1,000 borrowed.
Click here to learn more.

 

Seasonal Loan

 

Term

APR as low as

Monthly Payment

$500 to $2,500

12 months

3.99%

$85.14

Payment quoted above based upon $1,000 borrowed.

 

Share Secured Loan
100% of share value

Term

APR

Monthly Payment

Less than 60 months

3.15%

$18.04

61-120 months

3.65%

$9.96

All payments quoted above based on $1,000 borrowed.
Click here to learn more.

 

Credit Card Rates

 

Terms

Maximum

APR

Visa® Platinum
1% cash back

revolving

$55,000

12.90%

Visa® Prestige
Variable rate = Prime + 3%
(changes quarterly)

revolving

$55,000

8.00%

Click here to learn more about Visa® credit cards.

 APR = Annual Percentage Rate. The minimum loan amount accepted for application is $500. The maximum APR for a variable rate plan is 18%. The premium for credit disability insurance may be added to the approved value of the loan if a member wishes to purchase the insurance. 

 


Credit Life and Disability Insurance

Who will make your loan payments if you can't? To help ease the financial burden of your loan obligation in the event of an unexpected life event, injury or illness, we offer optional credit life and disability insurance. If you die or become disabled due to a covered illness or accident, your loan payments may be reduced or paid off, up to the coverage maximum.  Your premium will be included in your monthly loan payment, so there are no additional bills to worry about. Be sure to consider this protection the next time you apply for a loan.

Your purchase of MEMBER'S CHOICE Credit Life and Credit Disability Insurance, underwritten by CMPG Life Insurance Company is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligiblity requirements, conditions and exclusions may apply. Please contact your loan representative, or refer to the Group Policy for a full explanation of the terms.

Guaranteed Asset Protection (GAP)

GAP is designed to protect members against financial loss in the event their vehicle is stolen or declared a total loss due to a protected peril. GAP cancels the difference between the primary auto insurance carrier's settlement and the Protected Balance. The Protected Balance is the pay-off amount that is directly related to the purchase of the vehicle or the amount borrowed that is secured by the vehicle (subject to protection limits). See a member service representative for details.

Your purchase of MEMBER'S CHOICE Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan will increase the cost of the loan. You may cancel GAP at any time. If you cancel GAP within 90 days you will recieve a full refund of any fee paid.

CDCL, GAP-2149388.1-0618-0720

  • Click here for the CUNA Mutual Group credit life and disability coverage loan calculator

 

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CUNA Calculators

 

Using this calculator does not guarantee credit. The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

 

 
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