As a not-for-profit financial cooperative, Central Valley Firefighters Credit Union re-invests our earnings back into financial services and products that benefit our members. This model allows us to offer financing options with flexible terms and interest rates that are often lower than many traditional lenders.

We understand that every financial situation is different and there’s more to you than just your credit rating. So, whether you’re shopping for a car or a recreational vehicle, or looking for a personal loan or an unsecured line of credit, we work hard to find you the right solution with the best rate possible!

Rates and Fees effective as of 06/01/2024. All subject to change without notice.

Loan Rates
Savings Rates
Fee Schedule
Loan Rates

New Vehicles (2021 or newer)Up to $125,000
Repayment TermAnnual Percentage Rate (Lowest)1Annual Percentage Rate (Highest)1
up to 72 months5.48%8.98%
up to 84 months6.48%9.98%

Used Vehicles (2020 & older)Up to $125,000
Repayment TermAnnual Percentage Rate (Lowest)1Annual Percentage Rate (Highest)1
up to 72 months6.48%9.98%
up to 84 months7.48%10.98%

Repayment TermAnnual Percentage Rate (Lowest)1Annual Percentage Rate (Highest)1
up to 72 months7.14%11.89%
84 months8.64%13.39%
120 months9.14%13.89%
144 months9.64%14.39%
180 months10.14%14.89%

Personal LoansUp to $25,000
Repayment TermAnnual Percentage Rate (Lowest)1Annual Percentage Rate (Highest)1
up to 60 months9.49%14.99%

Personal Lines of CreditUp to $15,000
Repayment TermAnnual Percentage Rate (Lowest)1Annual Percentage Rate (Highest)1

Shared Secured
Repayment TermAPR1
up to 60 monthsCurrent interest rate earned plus 3.00%

See Credit Card Account Application and Opening Table
Savings Rates

Rate TypeMinimum Opening BalanceMinimum to Earn DividendDividend RateAPY2
Share DraftFixed$1$5000.10%0.10%
Regular SharesFixed$25$250.15%0.15%
Special SavingsFixed$1$250.10%0.10%
Christmas ClubFixed$1$250.20%0.20%
Junior HerosFixed$5$250.15%0.15%
Station 60 AccountFixed$1$500.000.10%*0.10%*
6 Month - Share CertificateFixed$1,000$1,0003.15%3.20%
12 Month - Share CertificateFixed$1,000$1,0003.82%3.89%
24 Month - Share CertificateFixed$1,000$1,0003.63%3.69%
IRA - SharesFixed$25$250.10%0.10%
IRA - 6 Month CertificateFixed$1,000$1,0003.48%3.54%
IRA - 12 Month CertificateFixed$1,000$1,0004.04%4.12%
Fee Schedule
Fee DescriptionFee
Account Closure (Within 90 days)$10.00
Account History Printout$1.00
Account Reconciliation per hour
(30-minute Minimum)
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 12-36 months waived for under 18, and accounts over $1000$5.00/quarter
Escheat Notice Fee (Per notice)$2.00
Incorrect Address$5.00/ quarter
Levy/Garnishment Fee$35.00
Notary (1st signature for members free, unless outside loan docs)$15.00
Re-admittance Fee$20.00
Receipt Mailed/cc mailed$2.00
Returned Deposit$25.00
Skip payment fee$25.00
Statement Copy (Per statement)$3.00
Verification of Deposit-Account Verification Letter$10.00
Wire- Incoming Domestic$10.00
Wire- Outgoing Domestic$25.00
Wire- Incoming International$20.00
Wire- Outgoing International$45.00

Fee DescriptionFee
IRA Annual Maintenance$20.00
IRA Closure/Transfer$20.00

Checking Account
Fee DescriptionFee
First box of checksActual Cost
ATM Empty Envelope Fee$30.00
ATM Keying Error$10.00
Bill PayFREE

Expedited Item:
Electronic = $9.95
Check = $14.95
Check CopyFirst Two Free
$2.00/Additional Copy
Copy of Deposited Item$3.00
Debit Card Replacement2 Free then $10
Debit Card Replacement Rush$45.00
Non-Sufficient Funds (NSF)$27.00 ($81.00 max per day)
Overdraft Fee$1.00
Reinstate Closed Checking (CU or member Closed)$10.00
Stop Payment- ACH or Share Draft$25.00
Temporary Checks$2.00/ page of 4
Temporary Checks/New AccountFirst 12 Free
2nd Chance Checking Account$10/month (Changed to free after 12 months no problems)
Debit Card Dispute Valid Charges$20.00 per item
Duplicate Title/Lien Release$20.00

See Credit Card Account - Application and Opening Table

(Other than those described in Loan Agreement)
Force Placed InsuranceActual Cost + $25.00
Lien/Title Filing FeesActual Cost
Reconveyance FeeActual Cost
Refinance of CVFCU Loan$150.00
Subordination Agreement$100.00
Demand For Payoff$25.00

Fee DescriptionFee
Any Charge imposed on the credit union on behalf of the memberActual 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.

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