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Rates

Current interest rates

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Current Rates


Auto Loans

Effective Date: June 1, 2020

LOAN TYPE *APR Term
New & Used Vehicles 2.75% -14.50% Up to 96 months
New & Used RVs 4.75%-8.00% Up to 180 months
Off-Road Vehicles 5.50%-10.50% Up to 60 months
Classic & Antique Vehicles 4.00%-7.00% Up to 72 months

*APR = Annual Percentage Rate "as low as" 
Your rate will be based on the term of the loan, the amount down and your credit qualifications. Other exclusions or or restrictions apply. Available RV loan types include RVs, Boats, Travel Trailers, Mini Motor Homes, Campers. Available Off-Road Vehicle loan types include Dirt Bikes, ATVs and Jet Skis.


Manufactured Home Loans

LOAN TYPE *APR Term
Park Models 5.45%-5.95% Up to 180 months
New & Used Mobile Homes 6.00%-8.00% Up to 240 months

*APR = Annual Percentage Rate "as low as" 
Your rate will be based on the term of the loan, the amount down and your credit qualifications. Other exclusions or or restrictions apply.


Personal Loans

LOAN TYPE *APR Term
Personal Loans (up to $8000) 9.00% -12.00% Up to 24 months
Debt Consolidation 9.00%-12.00% Up to 60 months
Medical Loans 6.00%  

*APR = Annual Percentage Rate "as low as" 
Your rate will be based on the term of the loan, the amount down and your credit qualifications. Other exclusions or or restrictions apply. Medical loans are 100% guaranteed by OMC and FCH hospital.


Credit Cards

CARD TYPE *APR
Classic Visa Card 9.00% -12.00%
 Secured Visa Card 9.00%-14.00%

*APR = Annual Percentage Rate "as low as" 
Grace period for repayment of the balance for purchases: 28 Days. There is no grace period for cash advances.
Annual fee: $10 charged by Strait View Credit Union.
Cash Advance Fee: No fee charged by Strait View Credit Union.
Over the Limit Fee: $10 per transaction.
Late Fee: $5 if late 10 days or more.
Method of computing the balance of purchases: Average daily balance including new purchases.
Minimum monthly payment: 3% of outstanding balance at the end of the 28th day of the month, rounded up to the nearest dollar ($20 minimum).


Secured Loans

LOAN TYPE *APR
Share Secured 2% over dividend rate
Certificate Secured 2% over dividend rate

*APR = Annual Percentage Rate "as low as" 
Your rate will be based on the term of the loan, the amount down and your credit qualifications. Other exclusions or or restrictions apply.


Savings Rates

SAVINGS TYPE Dividend Rate *APY MIN BALANCE ACCRUAL
Basic Savings .10% .10% $5 Quarterly
Holiday Savings .10% .10% $5 Quarterly
Vacation Savings .10% .10% $5 Quarterly
Sub Savings .10% .10% $5 Quarterly
IRA Savings .50% .50% $5 Quarterly
Open End Savings .20% .20% $5 Quarterly
Checking None None $250 Unavailable
6 Month Certificate .50% .50% $500 At Maturity
1 Year Certificate .50% .50% $1000 Annually
2 Year Certificate .65% .65% $1000 Annually
3 Year Certificate .65% .65% $1000 Annually

*APY = Annual Percentage Yield "as high as" 
Dividends on Certificate Accounts may be withdrawn monthly, semi annually,  or annually without penalty.
The credit union may offer other rates or amend the rates contained in this schedule from time to time. Fees could reduce earnings. Rates can change without notice. Checking accounts can be opened with $5 and we only require $250 for there to be NO fees.
All funds are Federally insured to at least $250,000 and are backed by the full faith and credit of the United States Government National Credit Union Administration (NCUA).

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