Current Rates
Effective Date: April 1, 2023
Auto Loans
| LOAN TYPE | *APR | Term |
|---|---|---|
| New & Used Vehicles | 4.75%-18.75% | Up to 96 months |
| New & Used RVs | 7.00%-10.75% | Up to 180 months |
| Off-Road Vehicles | 8.50%-11.00% | Up to 60 months |
| Classic & Antique Vehicles | 8.00%-9.00% | Up to 72 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 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 | 7.75%-8.75% | Up to 180 months |
| New & Used Mobile Homes | 7.75%-9.25% | 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 or restrictions
apply.
Personal Loans
| LOAN TYPE | *APR | Term |
|---|---|---|
| Personal Loans (up to $8000) | 12.00% -13.00% | Up to 48 months |
| Debt Consolidation w/Collateral | 10.00%-13.00% | Up to 60 months |
| Medical Loans | 6.00% |
*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 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 or restrictions
apply.
Savings Rates
Rates as of 4.3.2023
| SAVINGS TYPE | Dividend Rate | *APY | MIN BALANCE TO OPEN | MIN BALANCE TO EARN APY | ACCRUAL |
|---|---|---|---|---|---|
| Basic Savings | .05% | .05% | $5 | $5 | Quarterly |
| Holiday Savings | .05% | .05% | $0 | $5 | Quarterly |
| Vacation Savings | .05% | .05% | $0 | $5 | Quarterly |
| Sub Savings | .05% | .05% | $0 | $5 | Quarterly |
| IRA Savings | .50% | .50% | $0 | $5 | Quarterly |
| Open End Savings | 1.50% | 1.50% | $2500 | $2500 | Quarterly |
| 6 Month Certificate | 1.50% | 1.50% | $500 | $500 | At Maturity |
| 1 Year Certificate | 4.25% | 4.25% | $1000 | $1000 | Annually |
| 2 Year Certificate | 2.50% | 2.50% | $1000 | $1000 | Annually |
| 3 Year Certificate | 3.00% | 3.00% | $1000 | $1000 | Annually |
*APY = Annual Percentage Yield "as high as"
Dividends on Certificate
Accounts may be withdrawn semi annually or annually if paid without penalty.
The credit union may offer
other rates or amend the rates contained in this schedule from time to time. Fees could reduce earnings.
Rates can change without notice.
All funds are Federally insured to at least $250,000 and are backed
by the full faith and credit of the United States Government National Credit Union Administration (NCUA).
Checking Accounts
| CHECKING TYPE | Dividend Rate | *APY | MIN BALANCE TO OPEN | ACCRUAL |
|---|---|---|---|---|
| Basic Checking | None | None | $0 | Unavailable |
| 55+ Checking | None | None | $0 | Unavailable |
With basic checking there is a minimum balance requirement of $250 to avoid the $3.00 per month service fee. In addition, regardless of the balance, you will see an additional $3.00 Monthly Security Fee on the last day of each month.
Members 55 or older who use direct deposit are eligible for 55+ checking. With this account there's no minimum balance requirement. There is a $3.00 Monthly Security Fee which is assessed on the last day of each month. Your account has free online banking and free check orders.