Effective - 06/30/2009

 

LOAN RATES AND TERMS

Loan Type

Annual
Percentage Rate

Repayment Terms

Remarks


New Vehicles

APR* As Low As
5.49%
5.90%
6.50%


Up to 48 Months
Up to 60 Months
Up to 72 Months


NO APPLICATION FEE.
We will finance current or prior model years that have never been titled

 

 

 

 

 
 

100% financing including tax, title and manufacturer's extended warranty


*APR = Annual Percentage Rate.  All rates are subject to change without notice.  Rates are based on the type of loan, term of loan and your credit worthiness.


Used Vehicle
APR* As Low As
6.99%


Up to 60 Months


Models up to 5 years old
NO APPLICATION FEE

       

100% financing including tax, title and manufacturer's extended warranty

*APR = Annual Percentage Rate.  All rates are subject to change without notice.  Rates are based on the type of loan, term of loan and your credit worthiness. 



Signature

APR* As Low As
9.9%
10.9%


Up to 12 Months
Up to 24 Months



$500 - $5,000
Larger amounts and
longer terms available.
NO APPLICATION FEE


*APR = Annual Percentage Rate.  All rates are subject to change without notice.  Rates are based on the type of loan, term of loan and your credit worthiness.

Share Secured

4.5% above current dividend rate

Up to 48 Months

Longer terms available.
NO APPLICATION FEE

Share Certificate Secured

2.75% above rate at which certificate was issued

Term cannot exceed certificate maturity

Borrow up to value of certificate including accrued dividends.
NO APPLICATION FEE


Home Equity

SPECIAL RATE
  5.25%*


Up to 5 Years

Starting as low as $10,000

 

6.50%

  Up to 10 Years

 

6.99%

  Up to 15 Years

 

7.75%

  Up to 20 Years

 $7,500 -$200,000

*APR = Annual Percentage Rate.  Rate listed "as low as".  The final rate may be higher depending on the member's credit worthiness.


Home Equity


Variable*


Open


$10,000 -$100,000**

Line of Credit
       

*APR = Prime+0% (based on the Prime Rate published in the Wall Street Journal).
The floor (lowest) rate is 4% APR.

**75% of the appraised value less first mortgage balance

Other types of loans and rates available upon request.
Please call (or e-mail ) for terms and conditions.
Rates are subject to change without notice.

THINK OF US AS YOUR MONEY CENTER
CHECK OUR "SPECIAL LOAN PROMOTION" INFO

SHARE DIVIDEND RATES

2009 SECOND QUARTER DIVIDENDS
The annual percentage yield listed is accurate
as of April 1, 2009

     
 

ANNUAL RATE

ANNUAL PERCENTAGE YIELD

     
Regular Savings

0.300%

0.30%

Christmas Clubs

0.300%

0.30%

Vacation Clubs

0.300%

0.30%

IRA accounts

0.300%

0.30%


NOTE: The minimum balance required to earn the annual percentage yield on Regular Savings is $5.00.  Fees could reduce earnings.

CURRENT SHARE CERTIFICATE RATES
The following annual percentage yield will be offered from
06/30/09 - 07/06/09.
Rates are subject to change without notice.

     
 

ANNUAL RATE

ANNUAL PERCENTAGE YIELD

$500 Minimum:    
91 Days

1.000%

1.00%

6 Months

1.250%

1.26%

12 Months

1.500%

1.51%

24 Months

2.000%

2.01%

36 Months

2.250%

2.27%

 

 

   
     
   

NOTE:

  • Dividends do not remain on account for share certificate types with the 'monthly payment' option.  The APY posted does not pertain to these certificate types.
  • All rates and terms are subject to change without notice.
  • Federal regulations prohibit the payment of dividends in excess of available earnings.
  • Substantial penalty for early withdrawal.
  • Rates quoted as of this printing. Rates are subject to change every Tuesday. Current rates are available by calling our Information Hotline (724-847-3222) or e-mail us at .

   
 
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - NCUA National Credit Union Administration, a U.S. Government Agency

Home I Contact Us I Locations I Hotlinks I Rates I Membership I Holiday Schedule I Newsletter
About Us I Our History I Office Hours I Online Banking I Services & Products I Savings
Checking I Loans I Insurance I Other Services I Applications/Forms |
| RISK ALERT | Employment Opportunities I Privacy Policy | Disclaimer |

©2008 Beaver Valley Federal Credit Union. ALL RIGHTS RESERVED.
site design by: Paragon Services, LLC.