Loan Rates

 

  Effective Date: March 9, 2014

 

Auto Loans


New & Used Autos
APR*
Max. Term
2004 and Newer 1.99%* 66 months
2004 and Newer 2.49%* 75 months
2004 and Newer 3.74%* 84 months

 

*APR = Annual Percentage Rate
* APR listed is the lowest possible Annual Percentage Rate for qualified borrowers. Rate may change dependent upon credit qualifications All rates are subject to change daily. Click here for disclosure information.
* Rate reflects 0.50% discount for Checking and Direct Deposit as well as additional 0.50% discount for <80% LTV or 1 mortgage.

 

Used Autos & Motorcycles
APR*
Max. Term
Used Autos 2003 and older
Used Motorcycles - 1994 and newer
4.99%* 66 months
Used Autos 2003 and older
Used Motorcycles - 1994 and newer
6.99%* 75 months

 

*APR = Annual Percentage Rate
* APR listed is the lowest possible Annual Percentage Rate for qualified borrowers. Rate may change dependent upon credit qualifications All rates are subject to change daily. Click here for disclosure information.
* Rate reflects 0.50% discount for Checking and Direct Deposit as well as additional 0.50% discount for <80% LTV or 1 mortgage.

 

Recreational Vehicles
APR*
Max. Term
Motor homes, Boats, 5th wheels/travel trailers, ATVs, snowmobiles, Dirt bikes, Trailers, etc. 5.50%* 60 months
  6.75%* 84 months
  7.75%* 120 months

 

*APR = Annual Percentage Rate
* APR listed is the lowest possible Annual Percentage Rate for qualified borrowers. Rate may change dependent upon credit qualifications All rates are subject to change daily. Click here for disclosure information.
* Rate reflects 0.50% discount for Checking and Direct Deposit as well as additional 0.50% discount for <80% LTV or 1 other active loan.


Home Equity Loans


Home Equity
APR*
Amount
Home Equity Line of Credit As Low As Prime*** $5,000 - $250,000
Interest Only Home Equity Line of Credit As Low As Prime*** $5,000 - $250,000

 

Prime rate as of effective date indicated above was 3.25%. The prime rate is subject to change. HELOC rate has a floor of 3.75%. Please ask a credit union representative about current rates which may vary. *APR = Annual Percentage Rate.
Click here for disclosure information.


Second Mortgage Loans

 

Second Mortgage Loan (Fixed Rate)
APR*
Term
Second Mortgage Loan 2.99% 3 Years
Second Mortgage Loan 3.49% 5 Years
Second Mortgage Loan 3.49% 7 Years
Second Mortgage Loan 3.99% 10 Years
Second Mortgage Loan 4.99% 15 Years

 

*APR = Annual Percentage Rate
*APR listed is the lowest possible Annual Percentage Rate for qualified borrowers. Rate may change dependent upon credit qualifications All rates are subject to change daily. Click here for disclosure information.


Other Loans

 

Loan Type
APR*
Max Term
Personal/Signature Loan 9.99%*^ 36 Months
Personal/Signature Loan 10.99%*^ 48 Months
Overdraft Protection 18.00%  
Certificate and Share Secured Loans
Maturity date of loan to match maturity date of earliest C/D maturity if more than one pledged.
3.0% above rate being paid. 120 Months

 

*APR = Annual Percentage Rate
* APR listed is the lowest possible Annual Percentage Rate for qualified borrowers. Rate may change dependent upon credit qualifications All rates are subject to change daily. Click here for disclosure information.
^Rate is based on Relationship Pricing (member must have a direct deposit with checking and one other active loan to qualify).


VISA Credit Cards

 

VISA Credit Cards
APR*
Platinum Cash Back Rewards 11.40%
Platinum Rates 8.90%
BVCU Classic 14.90%
Credit Builder & Student Credit Builder 14.90%

Card Terms (all cards)
Terms
Grace Period
25 days for purchases
Balance Calculation Method
Average Daily Balance including new purchases and advances
Minimum Finance Charge
None
Annual Fee
None
Late Payment Fee
$25.00
Cash Advance Fee

None

 

*APR = Annual Percentage Rate
* APR listed is the lowest possible Annual Percentage Rate for qualified borrowers. Rate may change dependent upon credit qualifications All rates are subject to change daily.
Credit Card full terms and disclosures.

 

Deposit Accounts

 

  Effective Date: March 28, 2014

 

 

*APY = Annual Percentage Yield

 

Regular Share Savings Dividend Rate
APY*
$100 -$1,000
0.05%
0.05%
$1,001 - $2,000
0.05%
0.05%
$2,001 - $5,000
0.05%
0.05%
$5001 - $10,000
0.05%
0.05%
$10,001 and higher
0.05%
0.05%

 

All rates are subject to change daily. Click here for disclosure information.


Youth Savings Dividend Rate
APY*
Y.E.S Account (Age 14-17)
See Savings
See Savings
Rags To Riches Club (Under 14)
0.05%
0.05%

 

All rates are subject to change daily. Click here for disclosure information.


Youth Certificates - 12 Months Dividend Rate
APY*
$100 - $499
0.10%
0.10%
$500 - $9,999
0.40%
0.40%
$10,000 - $99,999
0.45%
0.45%
$100,000 or Above
0.60%
0.60%

 

All rates are subject to change daily. Click here for disclosure information.


Miscellaneous Share Dividend Rate
APY*
Holiday Club
0.05%
0.05%
Young Educated Savers
See Savings
See Savings
Rags To Riches
0.05%
0.05%

 

All rates are subject to change daily. Click here for disclosure information.


Money Market Dividend Rate
APY*
$500 - $2,500
0.02%
0.02%
$2,501 - $5,000
0.04%
0.04%
$5,001 - $10,000
0.06%
0.06%
$10,001 - $50,000
0.10%
0.10%
$50,001 - $100,000
0.15%
0.15%
$100,001 & over
0.30%
0.30%

 

All rates are subject to change daily. Click here for disclosure information.


IRA Share Dividend Rate
APY*
Take advantage of tax deferred interest with an IRA. More Details
0.05%
0.05%

 

All rates are subject to change daily. Click here for disclosure information.


 

Share and IRA Certificates
  $100,000 min. $10,000 min. $500 min.
Term (in months) Dividend Rate APY* Dividend Rate APY* Dividend Rate APY*
3
0.20%
0.20%
0.10%
0.10%
0.05%
0.05%
6
0.30%
0.30%
0.25%
0.25%
0.20%
0.20%
12
0.60%
0.60%
0.45%
0.45%
0.40%
0.40%
18
0.65%
0.65%
0.55%
0.55%
0.50%
0.50%
24
0.75%
0.75%
0.65%
0.65%
0.60%
0.60%
30
0.85%
0.85%
0.75%
0.75%
0.75%
0.75%
36
1.00%
1.00%
0.90%
0.90%
0.84%
0.84%
48
1.19%
1.20%
1.09%
1.10%
1.04%
1.04%
60
1.44%
1.45%
1.29%
1.30%
1.24%
1.25%

All rates are subject to change daily. Click here for disclosure information.

 

 

Mortgage Rates

 

Rates Effective:

 

We offer competitive rates for our mortgage loan programs. Rates are constantly changing, for current rates please contact usWe do not charge the standard 1% Origination fee but there is an origination charge associated with the loan. 
Rates and terms are subject to change without notice.  Interest Rate, APR Calculations and Monthly Payment are based on a $200,000 loan with a loan to value of 75% or less.

 


 

Fixed Rate Mortgage

 

30 Year Fixed Mortgage
Interest Rate
Origination Points
Disc. Points
APR Payment
4.375% 0.00 0.000 4.448% $998.57
4.125% 0.00 1.000 4.282% $969.30

 

 

 

- All rates subject to change without notice
- APR = Annual Percentage Rate
- Interest Rate, APR Calculations, and Monthly Payment based on following assumptions: $200,000 loan with loan to value of 75% or less
- LTV = Loan-to-Value, meaning the loan amount divided by sales price (or appraised value, whichever is less)
- Loan level price adjustments may apply.
- Mortgage loans are available on properties here in Colorado. Membership to Boulder Valley CU is required.

 

20 Year Fixed Mortgage
Interest Rate
Origination Points
Disc. Points
APR Payment
4.250% 0.00 0.000 4.350% $1,238.47
4.000% 0.00 1.000 4.217% $1,211.96

 

 

 

- All rates subject to change without notice
- APR = Annual Percentage Rate
- Interest Rate, APR Calculations, and Monthly Payment based on following assumptions: $200,000 loan with loan to value of 75% or less
- LTV = Loan-to-Value, meaning the loan amount divided by sales price (or appraised value, whichever is less)
- Loan level price adjustments may apply.
- Mortgage loans are available on properties here in Colorado. Membership to Boulder Valley CU is required.

 

 

15 Year Fixed Mortgage
Interest Rate
Origination Points
Disc. Points
APR Payment
3.500% 0.00 0.000 3.626%

$1,429.77

3.250% 0.00 1.000 3.522% $1,405.34

 

 

 

- All rates subject to change without notice
- APR = Annual Percentage Rate
- Interest Rate, APR Calculations, and Monthly Payment based on following assumptions: $200,000 loan with loan to value of 75% or less
- LTV = Loan-to-Value, meaning the loan amount divided by sales price (or appraised value, whichever is less)
- Loan level price adjustments may apply.
- Mortgage loans are available on properties here in Colorado. Membership to Boulder Valley CU is required.

 

Adjustable Rate Mortgage

 

3/1 Year ARM
Interest Rate
Origination Points
Disc. Points
APR Payment
3.625% 0.00 0.000 3.305% $912.10

 

 

 

- ARM = Adjustable Rate Mortgage
- Rates are fixed for the first 3 years and then adjust yearly.
- Must be owner occupied. Call for details.
- All rates subject to change without notice
- APR = Annual Percentage Rate
- Interest Rate, APR Calculations, and Monthly Payment based on following assumptions: $200,000 loan with loan to value of 75% or less
- LTV = Loan-to-Value, meaning the loan amount divided by sales price (or appraised value, whichever is less)
- Loan level price adjustments may apply.
- Mortgage loans are available on properties here in Colorado. Membership to Boulder Valley CU is required.