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!

  • Loan Rates
  • Savings Rates
  • Fee Schedule
Loan Rates

New Vehicles (2014 or newer)***
Repayment TermAnnual Percentage Rate (Lowest)Annual Percentage Rate (Highest)
up to 24 months2.49%5.99%
up to 36 months2.49%5.99%
up to 48 months2.49%5.99%
up to 60 months2.49%5.99%
up to 72 months2.49%5.99%
up to 84 months3.49%6.99%

Used Vehicles (2013 & older)
Repayment TermAnnual Percentage Rate (Lowest)Annual Percentage Rate (Highest)
up to 243.49%6.99%
up to 363.49%6.99%
up to 483.49%6.99%
up to 603.49%6.99%
up to 723.49%6.99%
up to 844.49%7.99%

BOAT/RV/ATV REGULAR RATE
Repayment TermAnnual Percentage Rate (Lowest)Annual Percentage Rate (Highest)
up to 363.99%8.74%
up to 483.99%8.74%
up to 603.99%8.74%
up to 723.99%8.74%
up to 844.99%9.74%
up to 1205.49%10.24%
up to 1445.99%10.74%
up to 1806.49%11.24%

Personal Loans
Repayment TermAnnual Percentage Rate (Lowest)Annual Percentage Rate (Highest)
up to 129.49%14.99%
up to 249.49%14.99%
up to 369.49%14.99%
up to 489.49%14.99%
up to 609.49%14.99%

Personal Lines of Credit
Repayment TermAnnual Percentage Rate (Lowest)Annual Percentage Rate (Highest)
Revolving10.00%15.50%

Shared Secured
Repayment TermRate
up to 60Current interest rate earned plus 3.00%
Savings Rates

 Rate TypeMinimum Opening BalanceMinimum to Earn DividendDividend RateAnnual Percentage Yield
Share DraftFixed$0$500.10%.10%
Regular SharesFixed$25$25.10%.10%
Special SavingsFixed$5$25.10%.10%
Christmas ClubFixed$1$25.10%.10%
Junior HerosFixed$5$25.10%.10%
Station 60 AccountFixed$1$500.05%*.05%*
6 Month - Share CertificateFixed$10,000$10,000.20%.20%
12 Month - Share CertificateFixed$10,000$10,000.25%.25%
IRA - SharesFixed$25$25.10%.10%
IRA - 6 Month CertificateFixed$2,000$2,000.20%.20%
IRA - 12 Month CertificateFixed$2,000$2,000.25%.25%
Fee Schedule
Account
Fee DescriptionFee
Account Closure (Within 90 days)$10.00
Account History Printout$1.00
Account Reconciliation per hour
(1/2 hr min.)
$20.00
ATM Surcharge$1.00
Backup Withholding Setup$10.00
Cashier’s Check$2.00/ 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$5.00 up to $1,000. $10.00 for $1,000 and over
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$25.00
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
Statement Copy Special Microfilm/Microfiche$5.00
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

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

Checking Account
Fee DescriptionFee
1st box of checksCost
ATM Empty Envelope Fee$30.00
ATM Keying Error$10.00
Bill Pay$6.00 a month after 3 months non-use
Check Copy (2 per statement free)$2.00
Copy of Deposited Item$3.00
Debit Card Replacement1st time $5.00, 2nd $10.00, 3rd
$15.00 in rolling 12 month period
Debit Card Replacement Rush$45.00
Non- Sufficient Funds (NSF)$25.00/ $75.00 max per day
Overdraft Fee$1.00
Reinstate Closed Checking (CU or member Closed)$10.00
Stop Payment- ACH or Share Draft$15.00
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

Visa
See Credit Card Account - Application and Opening Table

Loans
Fees
(Other than those described in Loan Agreement)
Fee
Force Placed InsuranceActual Cost plus $25.00
Lien/Title Filing FeesActual Cost
Reconveyance FeeActual Cost
Refinance of CVFCU Loan$150.00
Subordination Agreement$100.00
Demand For Payoff$10.00
GAP$295.00

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

*APR = Annual Percentage Rate. Rates, terms, and conditions are subject to change. 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.

You are now leaving Central Valley Firefighters Credit Union

THIRD PARTY SITE DISCLAIMER - You are leaving Central Valley Firefighters Credit Union's website. You are linking to an alternate website not operated by Central Valley Firefighters Credit Union, and Central Valley Firefighters Credit Union is not responsible for the content of the alternate website. The fact that there is a link from Central Valley Firefighters Credit Union's website to an alternate website does not constitute an endorsement of any product, service, or organization by Central Valley Firefighters Credit Union. Central Valley Firefighters Credit Union does not represent either you or the website operator if you enter into a transaction. Privacy and security policies may differ from those practiced by Central Valley Firefighters Credit Union, and you should review the alternate website's policies. Click Continue to confirm that you want to open this page.

You will be redirected to

Click the link above to continue or CANCEL