Savings Rates
  Rate   APY*
         
  Share  
up to 0.10%
 
up to 0.10%
  Clubs  
0.10%
 
0.10%
  Share Draft  
0.00%
 
0.00%
  Share Draft Business  
up to 0.10%
 
up to 0.10%
  Money Market  
0.10%
 
0.10%
  Premium Money Market  
up to 0.20%
 
up to 0.20%
     
 
 
Individual Retirement Accounts
 
 
  Roth IRA  
1.00%
 
1.00%
  Educational IRA  
1.00%
 
1.00%
  Roth IRA (rollover)  
1.00%
 
1.00%
  IRA  
1.00%
 
1.00%
     
 
 
Certificates
 
 
  6 Month  
0.10%
 
0.10%
  1 Year  
0.30%
 
0.30%
  2 Year  
0.45%
 
0.45%
  3 Year  
0.50%
 
0.50%
  4 Year  
0.65%
 
0.65%
  Special 9 Month  
0.10%
 
0.10%
  Special 15 Month Mover***  
0.35%
 
0.35%
  Special 18 Month Mover***  
0.40%
 
0.40%
  Special 35 Month Mover***  
0.50%
 
0.50%
 
Direct Auto Rates
2007 to 2012 New and Used
Loan Term

Tier 1 - 725 and above

Tier 2 - 675 to 724
Tier 3 - 640 to 674
Tier 4 - 639 and below
Up to 36 Months
2.49%
4.24%
4.79%
Refer
Up to 63 Months
2.99%
5.49%
6.55%
Refer
Up to 72 Months
3.99%
5.99%
6.99%
Refer
 
2001 to 2006 Used
Loan Term

Tier 1 - 725 and above

Tier 2 - 675 to 724
Tier 3 - 640 to 674
Tier 4 - 639 and below
Up to 60 Months 5.99%
7.24%
8.49%
Refer
 
Motorcycles and ATV's
New Motorcycles and ATV's (2007 - 2012)
Loan Term

Tier 1 - 725 and above

Tier 2 - 675 to 724
Tier 3 - 640 to 674
Up to 24 Months
2.99%
4.24%
4.79%
Up to 60 Months
4.49%
5.49%
6.55%
 
Used Motorcycles (2001 - 2006)
Loan Term

Tier 1 - 725 and above

Tier 2 - 675 to 724
Tier 3 - 640 to 674
Up to 60 Months
6.99%
7.24%
8.49%
 
Indirect Auto Rates
2007 to 2012 New and Used
Loan Term

Tier 1 - 725 and above

Tier 2 - 675 to 724
Tier 3 - 640 to 674
Tier 4 - 639 and below
Up to 36 Months
2.49%
4.24%
4.79%
Refer
Up to 63 Months
2.99%
5.49%
6.55%
Refer
Up to 72 Months
3.99%
5.99%
6.99%
Refer
 
2001 to 2006 Used
Loan Term

Tier 1 - 725 and above

Tier 2 - 675 to 724
Tier 3 - 640 to 674
Tier 4 - 639 and below
Up to 60 Months 5.99%
7.24%
8.49%
Refer
 
Motorcycles and ATV's
New Motorcycles and ATV's (2007 - 2012)
Loan Term

Tier 1 - 725 and above

Tier 2 - 675 to 724
Tier 3 - 640 to 674
Up to 24 Months
2.99%
4.24%
4.79%
Up to 60 Months
4.49%
5.49%
6.55%
 
Used Motorcycles (2001 - 2006)
Loan Term

Tier 1 - 725 and above

Tier 2 - 675 to 724
Tier 3 - 640 to 674
Up to 60 Months
6.99%
7.24%
8.49%

 

Unsecured Rates
Loan Term Tier 1 - 725 and above Tier 2 - 680 to 724 Tier 3 - 640 to 679 Tier 4 - 639 and below
0-36 Months
8.99%
9.00%
10.00%
Refer
37 to 48 Months
8.99%
11.00%
12.00%
Refer
48 to 60 Months
8.99%
12.00%
13.00%
Refer

 

 
Fixed Rate Home Equity Loans
Loan Term
Tier 1 725 and Above
Tier 2 680 to 724
Tier 3 640 to 679
Tier 4 639 and Below

0-24 Months

3.99%
5.50%
5.50%
5.99%
25-60 Months
3.99%
5.75%
5.75%
6.25%
 
61-120 Months
5.49%
6.50%
6.50%
6.75%
 
121-144 Months
6.75%
6.99%
7.25%
7.50%
 
145-180 Months
6.99%
6.99%
7.25%
7.50%

Rates subject to change without notice.

Please contact the credit union for latest rate information

* APY - Annual Percentage Yield
*** Mover rate can be changed only once per Term

 
 
Cross Valley FCU FEE CHART
All fees Effective 02/01/2010
 
Share Drafts Miscellaneous Fees
Check Return Fee
$29.00
Statement Copies
$1.00 per page
Automatic Transfer
$2.00
Wire Transfers
$12.00
Check Copies
$2.00
International Wire Transfer
$40.00
Check Copies Online
FREE
Western Union
$22.00
Check Copies (after 1 year)
$5.00
Certified Checks
$5.00
Stop Payments
$15.00
Checks Deposited Returned Unpaid
$6.00
Reverse Stop Payments
$15.00
Dormant Account
$5.00 per month
Collections Items
$20.00
Account Research
$20.00 per hour
ATM
Account Balancing
$20.00 per hour
   
Bad Address
$5.00/statement
Bad Email Address
$5.00/statement
Replacement Card
$5.00
Levy
$90.00
Empty Deposit Envelope
$10.00
Garnishment
$90.00
Monthly Fee (W/O Direct Deposit)
$1.00
Line of Credit Transfer
$10.00
Monthly Fee (W/ Direct Deposit)
FREE
Domestic Relations
$50.00
Non-CVFCU Machine (Over Four)
$1.00 each
VISA Gift Card (requirements met)
$1.50/card
ACH Fees
VISA Gift Card (requirements not met)
$3.00/card
Return Fee
$29.00
VISA Gift Card (non member)
$3.95/card
ACH Stop Payment
$15.00
E-Services
Reverse ACH Stop Payment
$15.00
ePay
FREE
ACH Authorization Revoked
$15.00
eStatements
FREE
Automatic Transfer
$2.00
Online Transfers
FREE
 
eMobile Texts (over 16)
$.05/text