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Rates

Current interest rates

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Effective Date: October 12, 2022

Auto Loans

LOAN TYPE *APR Term
New & Used Vehicles 4.50% -17.50% Up to 96 months
New & Used RVs 5.75%-9.00% Up to 180 months
Off-Road Vehicles 6.50%-9.00% Up to 60 months
Classic & Antique Vehicles 6.00%-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 5.75%-7.25% Up to 180 months
New & Used Mobile Homes 5.75%-7.00% 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) 12.00% -14.00% Up to 48 months
Debt Consolidation 9.00%-10.00% 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 10.00% -11.00%
 Secured Visa Card 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

       Rates as of 10.1.2022

SAVINGS TYPE Dividend Rate *APY MIN BALANCE TO OPEN MIN BALANCE TO EARN APY ACCRUAL
Basic Savings .05% .05% $5 $5 Quarterly
Holiday Savings .05% .05% $0 $5 Quarterly
Vacation Savings .05% .05% $0 $5 Quarterly
Sub Savings .05% .05% $0 $5 Quarterly
IRA Savings .50% .50% $0 $5 Quarterly
Open End Savings .50% .50% $2500 $2500 Quarterly
6 Month Certificate .25% .25% $500 $500 At Maturity
1 Year Certificate .50% .50% $1000 $1000 Annually
2 Year Certificate .75% .75% $1000 $1000 Annually
3 Year Certificate 1.00% 1.00% $1000 $1000 Annually

*APY = Annual Percentage Yield "as high as" 
Dividends on Certificate Accounts may be withdrawn semi annually or annually if paid 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. 
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).


Checking Accounts

CHECKING TYPE Dividend Rate *APY MIN BALANCE TO OPEN ACCRUAL
Basic Checking None None $0 Unavailable
55+ Checking None None $0 Unavailable

With basic checking there is a minimum balance requirement of $250 to avoid the $3.00 per month service fee. In addition, regardless of the balance, you will see an additional $3.00 Monthly Security Fee on the last day of each month.

Members 55 or older who use direct deposit are eligible for 55+ checking. With this account there's no minimum balance requirement. There is a $3.00 Monthly Security Fee which is assessed on the last day of each month. Your account has free online banking and free check orders.

 

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