Rates and Fees effective as of 1/1/2026. All subject to change without notice.
| New Vehicles (2023 & newer) | Up to $125,000 | |
|---|---|---|
| Repayment Term | Annual Percentage Rate (Lowest)1 | Annual Percentage Rate (Highest)1 |
| up to 72 months | 4.39% | 7.89% |
| up to 84 months | 5.39% | 8.89% |
| Used Vehicles (2022 & older) | Up to $125,000 | |
|---|---|---|
| Repayment Term | Annual Percentage Rate (Lowest)1 | Annual Percentage Rate (Highest)1 |
| up to 72 months | 5.43% | 8.89% |
| up to 84 months | 6.39% | 9.89% |
| Repayment Term | Up to $125,000 | |
|---|---|---|
| Repayment Term | Annual Percentage Rate (Lowest)1 | Annual Percentage Rate (Highest)1 |
| up to 72 months | 6.34% | 9.84% |
| 84 months | 7.34% | 10.84% |
| 120 months | 8.34% | 11.84% |
| 144 months | 9.34% | 12.84% |
| 180 months | 10.34% | 13.84% |
| Repayment Term | APR1 | |
|---|---|---|
| up to 60 months | Current interest rate earned plus 3.00% | |
| Repayment Term | Up to $25,000 | |
|---|---|---|
| Repayment Term | Annual Percentage Rate (Lowest)1 | Annual Percentage Rate (Highest)1 |
| up to 60 months | 9.49% | 14.99% |
| Repayment Term | Annual Percentage Rate (Lowest)1 | Annual Percentage Rate (Highest)1 |
|---|---|---|
| Revolving | 10.00% | 15.50% |
| See Credit Card Account Application and Opening Table |
| Account Type | Rate Type | Minimum Opening Balance | Minimum to Earn Dividend | Dividend Rate | APY2 |
|---|---|---|---|---|---|
| Share Draft | Fixed | $1 | $500 | 0.10% | 0.10% |
| Regular Shares | Fixed | $25 | $25 | 0.15% | 0.15% |
| Special Savings | Fixed | $1 | $25 | 0.10% | 0.10% |
| Christmas Club | Fixed | $1 | $25 | 0.20% | 0.20% |
| Junior Heros | Fixed | $5 | $25 | 0.15% | 0.15% |
| Station 60 Account | Fixed | $1 | $500.00 | 0.10%* | 0.10%* |
| 6 Month – Share Certificate | Fixed | $1,000 | $1,000 | 3.15% | 3.20% |
| 12 Month – Share Certificate | Fixed | $1,000 | $1,000 | 3.42% | 3.47% |
| 24 Month – Share Certificate | Fixed | $1,000 | $1,000 | 3.55% | 3.61% |
| IRA – Shares | Fixed | $25 | $25 | 0.10% | 0.10% |
| IRA – 6 Month Certificate | Fixed | $1,000 | $1,000 | 3.48% | 3.54% |
| IRA – 12 Month Certificate | Fixed | $1,000 | $1,000 | 4.04% | 4.12% |
| Fee Description | Fee |
|---|---|
| Account Closure (within 90 days) | $10.00 |
| Account History Printout | $1.00 |
| Account Reconciliation per hour (30-minute Minimum) | $20.00 |
| ATM Surcharge | $1.00 |
| Backup Withholding Setup | $10.00 |
| Cashier’s Check | $2.00 or Free if made Payable to Member |
| Cashier’s Check Copy | $3.00 |
| Cashier’s Check Stop Payment | $25.00 |
| Cashier’s Check to replace an “On Us” check | $5.00 |
| Check Cashing Non-Member | $10.00 |
| Collection Incoming Item | $10.00 |
| Collection Outgoing Domestic | $15.00 |
| Collection Outgoing Foreign | $20.00 |
| DBA Account Set Up Fee | $25.00 |
| Dormant Account Fee (Waived for minors and accounts with $1,000+) | $5.00 per Fiscal Quarter |
| Escheat Notice Fee (Per Notice) | $2.00 |
| Incorrect Address | $5.00 per Fiscal Quarter |
| Levy/Garnishment Fee | $35.00 |
| Notary (First Signature for Members Free, Unless for External Loan Documents) | $15.00 |
| Re-Admittance Fee | $20.00 |
| Receipt Mailed/CC Mailed | $2.00 |
| Returned Deposit | $25.00 |
| Skip Payment Fee | $25.00 |
| Statement Copy | $3.00 per Statement |
| Verification of Deposit/Account Verification Letter | $15.00 |
| Wire – Incoming Domestic | $10.00 |
| Wire – Outgoing Domestic | $25.00 |
| Wire – Incoming International | $20.00 |
| Wire – Outgoing International | $45.00 |
| Fee Description | Fee |
|---|---|
| IRA Annual Maintenance | $20.00 |
| IRA Closure/Transfer | $20.00 |
| Fee Description | Fee |
|---|---|
| ATM Empty Envelope Fee | $30.00 |
| ATM Keying Error | $10.00 |
| Bill Pay | FREE; Expedited Item: Electronic = $9.95, Check = $14.95 |
| Box of Checks (1st free for New Acct) | Actual Cost |
| Check Copy | First Two FREE; $2.00 per Additional |
| Copy of Deposited Item | $3.00 |
| Debit Card Replacement | First Two FREE; $10.00 per Additional |
| Debit Card Replacement Rush | $65.00 |
| Duplicate Title/Lien Release | $20.00 |
| Expedited Shipping | Actual Cost |
| Non-Sufficient Funds (NSF) Fee | $14.00 (Max $42.00 per Day) |
| Overdraft Fee | $2.00 |
| Reinstate Closed Checking (CU or member Closed) | $10.00 |
| Stop Payment: ACH or Share Draft | $25.00 |
| Temporary Checks (Established Account) | $2.00 per Page of 4 |
| Temporary Checks (New Account) | Free (First 12) |
| 2nd Chance Checking Account | $10.00 per month (Free after 12 Months without Issue) |
| Fee Description | Fee |
|---|---|
| Demand for Payoff | $25.00 |
| Force Placed Insurance | Actual Cost (Varies) + $25.00 |
| Guaranteed Asset Protection | $295.00 |
| Lien/Title Filing Fees | Actual Cost |
| Reconveyance Fee | $250.00 |
| Refinance of CVFCU Loan | $150.00 |
| Subordination Agreement | $100.00 |
| Fee Description | Fee |
|---|---|
| Any Charge imposed on the credit union on behalf of the member | Actual Cost |
1APR = Annual Percentage Rate. Up to 110% financing.
2APY=Annual Percentage Yield. On approved credit, rates and terms vary on credit qualifications—call for qualifications. Rates, terms, and conditions are subject to change at any time. Other rates and terms are available. All loans are subject to credit approval. Your overall creditworthiness may determine the interest rate available to you. Fees and charges may apply.
Central Valley Firefighters Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Central Valley Firefighters Credit Union, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.
Click the link above to continue or CANCEL
