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 Rates

Deposit Rates 

Savings

Savings
Effective Date: 9/17/2020
Avg BalanceNominal Dividend RateAPY*
$100.01 - $1,000.00 0.00% 0.00%
$1,000.01 & up 0.10% 0.10%

 

Checking

Checking
Effective Date: 9/17/2020
Avg BalanceNominal Dividend RateAPY*
$0.00 - $50,000.00 0.00% 0.00%
$50,000.01 & Up 0.05% 0.05%

 

Certificates

Certificates
Effective Date: 5/5/2020
TermMinimum To OpenRateAPY*
6-Month Share Certificate $1,000.00 0.10% 0.10%
12-Month Share Certificate $1,000.00 0.20% 0.20%
18-Month Share Certificate $1,000.00 0.25% 0.25%
36-Month Share Certificate $1,000.00 0.30% 0.30%

 

Money Market/Golden Share

Money Market/Golden Share Account Rates
Effective Date: 9/17/2020
Avg BalanceNominal Dividend RateAPY*
$500.01 - $10,000 0.10% 0.10%
$10,000.01 - $50,000 0.15% 0.15%
$50,000.01 - Up 0.20% 0.20%

 

IRA

IRA Rates
Effective Date: 9/17/2020
TermMinimum To OpenNominal Dividend RateAPY*
IRA Shares $25.00 0.10% 0.10%
12-Month IRA Certificate $1,000.00 0.20% 0.20%
18-Month IRA Certificates $1,000.00 0.25% 0.25%
36-Month IRA Certificate $1,000.00 0.30% 0.30%

 

Clubs

Club Accounts
Effective Date: 9/17/2020
Avg BalanceNominal Dividend RateAPY*
$100.01 - $1,000.00 0.00% 0.00%
$1,000.01 & up 0.10% 0.10%

 

Loan Rates 

Auto Loans

New and Used Auto Loans*
Effective Date: 01/13/2021
TypeTermAPR*Description
New Auto 24 months As low as 2.15% Vehicle may be up to two years old with less than 25,000 miles.
New Auto 36 months As low as 2.25% Vehicle may be up to two years old with less than 25,000 miles.
New Auto 48 months As low as 2.35% Vehicle may be up to two years old with less than 25,000 miles.
New Auto 60 months As low as 2.45% Vehicle may be up to two years old with less than 25,000 miles.
New Auto 72 months As low as 2.55% Vehicle may be up to two years old with less than 25,000 miles.
New Auto 84 months As low as 2.90% Vehicle may be up to two years old with less than 25,000 miles.
Used Auto 24 months As low as 3.20% Vehicles up to four years old or with more than 25,000 miles.
Used Auto 36 months As low as 3.30% Vehicles up to four years old or with more than 25,000 miles.
Late Model Used Auto 48 months As low as 3.40% Vehicles up to four years old or with more than 25,000 miles.
Late Model Used Auto 60 months As low as 3.50% Vehicles up to four years old or with more than 25,000 miles.
Late Model Used Auto 66 months As low as 3.80% Vehicles up to four years old or with more than 25,000 miles.
Late Model Used Auto  60 months As low as 7.20% All  other used vehicles
*APR based on applicant’s credit history at time of application processing.
Example: You could pay as low as $388.00 per month for a $25,000.00 auto loan on approved credit with a 3.24% Annual Percentage Rate for 72 months. APR effective September 2018 and subject to change.
 

Motorcycle, Watercraft, & ATV Loans

Motorcycle, Watercraft, & ATV Loans*
Effective Date: September 2018
TypeRegularPreferredPreferred Plus
New 15.05% 13.05% 9.05%
Used 16.05% 14.05% 10.05%
*APR based on applicant's credit history at time of application processing.
*Maximum Term shall not exceed 72 Months.

 

Share Secured Loans

Fully Secured Share Loan Rates*
Effective Date: September 2018
TypeAmortizeRate
Share Secured Amortize up to 120 Months Share Dividend Rate+2.50%
Share Secured Line of Credit Amortize up to 120 Months Share Dividend Rate+2.50%
Share Certificate Secured* Amortize up to 120 Months Share Dividend Rate+2.50%
*Can only be Secured by Share/Certificate Accounts.
*Cannot use Draft/MM/IRA’s for Share Secured.

 

Personal Loans

Personal Loans*
Effective Date: September 2018
TypeRegularPreferredPreferred Plus
Signature Loan 14.55% 11.05% 9.05%
Line of Credit 14.55% 11.05% 9.05%
Overdraft Protection 14.55% 11.05% 9.05%
*APR based on applicant's credit history at time of application processing.
*Maximum Term for Personal Loans is 36 Months.

 

Payday Alternative Loan

Payday Alternative Loan "PAL"*
Effective Date: September 2018
TypeRateFee
1st PAL 28.00% $20.00
All PAL's after 28.00% $10.00
*Maximum Term for Payday Alternative Loans is 6 Months.
*Monthly Payment cannot exceed 25% of Gross Monthly Wages.

 

Small Business Loans

Please call 575.829.3366 and ask to speak to a loan officer for more information.
*JVCU will follow the exceptions listed by NCUA 723.1
 

Mortgage Loans

Please call 575.829.3366 and ask to speak to a loan officer for more information.

 

Other Loans

Please call 575.829.3366 and ask to speak to a loan officer for more information.