Rates
Strait View Credit Union's current Loan and Savings Rates
Current Rates
Effective Date: Monday, June 1st, 2026
Auto Loans
| Loan Type | *APR | Term |
|---|---|---|
| New & Used Vehicles | 5.69%-17.99% | Up to 84 months |
| New & Used Motorcycles | 7.29%-17.99% | Up to 120 months |
| New & Used Motorhomes, Trailers, 5th Wheels, Campers | 7.29%-17.99% | Up to 120 months |
| New & Used Boats | 8.29%-18.00% | Up to 120 months |
| New & Used ATVs, Personal Watercraft, Snowmobiles | 8.29%-18.00% | Up to 120 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 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 | 6.00%-10.75% | Up to 180 months |
| New & Used Mobile Homes | 6.00%-11.75% | 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 restrictions apply.
Personal Loans
| Loan Type | *APR | Term |
|---|---|---|
| Personal Lifestyle Loans | 9.99% -17.99% | 12-84 months |
| Medical Loans | 6.00% | N/A |
*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 restrictions apply. Medical loans are 100% guaranteed by OMC and FCH hospital.
Credit Cards
| Card Type | *APR |
|---|---|
| Classic Visa Card | 12.00% -13.00% |
| 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 restrictions apply.
Effective Date 01/05/2025
Share Rates
| Savings account | dividend rate | *Apy | Minimum Opening Balance | Minimum Balance to Earn APY | Dividens Compounded/Credited | Dividend period |
|---|---|---|---|---|---|---|
| Regular Share | 0.050% | 0.050% | $5 | NA | Quarterly | Monthly |
| Holiday Savings | 0.050% | 0.050% | $0 | NA | Quarterly | Monthly |
| Open End | 1.500% | 1.508% | $2500 | $2500 | Quarterly | Monthly |
| IRA Savings | 0.500% | 0.500% | $5.00 | NA | Quarterly | Monthly |
| 6 Month CD | 1.500% | 1.500% | $500 | $500 | At Maturity | Monthly |
| 1 Year CD | 3.500% | 3.560% | $1000 | $1000 | Monthly | Monthly |
| 2 Year CD | 2.500% | 2.500% | $1000 | $1000 | Annually | Monthly |
| 3 Year CD | 3.000% | 3.000% | $1000 | $1000 | Annually | Monthly |
*APY = Annual Percentage Yield