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!

Date: 9-1-2018

New Vehicles (2014 or newer)***
24 2.49% 3.24% 3.99% 4.99% 5.99%
36 2.49% 3.24% 3.99% 4.99% 5.99%
48 2.49% 3.24% 3.99% 4.99% 5.99%
60 2.49% 3.24% 3.99% 4.99% 5.99%
72 2.49% 3.24% 3.99% 4.99% 5.99%
84 3.49% 4.24% 4.99% 5.99% 6.99%
Used Vehicles (2013 & older)
24 3.49% 4.24% 4.99% 5.99% 6.99%
36 3.49% 4.24% 4.99% 5.99% 6.99%
48 3.49% 4.24% 4.99% 5.99% 6.99%
60 3.49% 4.24% 4.99% 5.99% 6.99%
72 3.49% 4.24% 4.99% 5.99% 6.99%
84 4.49% 5.24% 5.99% 6.99% 7.99%
Regular RV Rate
36 3.99% 4.74% 6.74% 7.74% 8.74%
48 3.99% 4.74% 6.74% 7.44% 8.74%
60 3.99% 4.74% 6.74% 7.44% 8.74%
72 3.99% 4.74% 6.74% 7.44% 8.74%
84 4.99% 5.74% 7.74% 8.74% 9.74%
120 5.49% 6.24% 8.24% 9.24% 10.24%
144 5.99% 6.74% 8.74% 9.74% 10.74%
180 6.49% 7.24% 9.24% 10.24% 11.24%
Personal Loans
12 9.49% 10.49% 12.49% 13.99% 14.99%
24 9.49% 10.49% 12.49% 13.99% 14.99%
36 9.49% 10.49% 12.49% 13.99% 14.99%
48 9.49% 10.49% 12.49% 13.99% 14.99%
60 9.49% 10.49% 12.49% 13.99% 14.99%
Lines of Credit
0 10.00% 11.25% 14.00% 15.00% 15.50%
Shared Secured
Up to 60 months Current interest rate earned plus 3.00%
Visa
SS 8.25% 8.25% 8.25% 8.25% 8.25%
Class 12.50% 12.50% 12.50% 12.50% 12.50%
Plat 8.90% 8.90% 8.90% 8.90% 8.90%


Savings Rates

Rate Type Minimum Opening Balance Minimum to Earn Dividend Dividend Rate Annual Percentage Yield
Share Draft
Fixed $0 $500 .10% .10%
Regular Shares
Fixed $25 $25 .10% .10%
Special Savings
Fixed $5 $25 .10% .10%
Christmas Club
Fixed $1 $25 .10% .10%
Kids-A-Riffic
Fixed $5 $25 .10% .10%
Station 60 Account
Fixed $1 $500 .05%* .05%*
6 Month - Share Certificate
Fixed $10,000 $10,000 .20% .20%
12 Month - Share Certificate
Fixed $10,000 $10,000 .25% .25%
IRA - Shares
Fixed $25 $25 .10% .10%
IRA - 6 Month Certificate
Fixed $2,000 $2,000 .20% .20%
IRA - 12 Month Certificate
Fixed $2,000 $2,000 .25% .25%
* As of May 1, 2018 we offer dividends on Share Draft accounts

Fee Schedule

ACCOUNT
Fee Description Fee
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 the 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 Description Fee
IRA Annual Maintenance $20.00
IRA Closure/ Transfer $20.00
Checking Account
Fee Description Fee
1st box of checks Cost
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 Replacement 1st 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 Account
First 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
Fee Description Fee
See Credit Card Account – Application and Opening Table
Loans
Fees other than those described
in Loan Agreement
Fee
Force-Placed Insurance Actual Cost plus $25.00
Lein/Title
Filing Fees
Actual
Cost
Reconveyance Fee Actual Cost
Refinance
of FFDCU Loan
$150.00
Subordination Agreement $100.00
Demand
For Payoff
$10.00
GAP $295.00
Other
Fee Description Fee
Any Charge imposed on the credit
union on behalf of the member
Actual Cost

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