Rates

Saving Rates

Member Share Certificate Rates (includes IRA Certificates)*

Valid December 18, 2024 through December 24, 2024

Minimum Balance - $10,000 and over

	Dividend Rate*	Annual Percentage Yield*
6 Months	2.00%	2.01%
1 Year	4.18%	4.25%
2 Years	2.50%	2.52%
3 Years	2.72%	2.75%
5 Years	3.00%	3.03%

Minimum Balance - $400 to $9,999.99

	Dividend Rate*	Annual Percentage Yield*
6 Months	1.97%	1.98%
1 Year	4.18%	4.25%
2 Years	2.47%	2.49%
3 Years	2.72%	2.75%
5 Years	2.97%	3.00%

Money Market Shares

Valid through December 2024

Amount	Dividend Rate	Annual Percentage Yield**	Min. Balance
$50,000 and over	0.65%	0.65%	$50,000.00
$10,000 - $49,999.99	0.55%	0.55%	$10,000.00
Base Rate	0.45%	0.45%	$2,000.00

Health Savings Account

Amount	Dividend Rate	Annual Percentage Yield**	Min. Balance
$50,000 and over	0.65%	0.65%	$50,000.00
$10,000 - $49,999.99	0.55%	0.55%	$10,000.00
Base Rate	0.45%	0.45%	$2,000.00

Share Draft

Dividend Rate	Annual Percentage Yield	Min. Balance
0.05%	0.05%	$2,000.00

Anticipated Fourth Quarter 2024

Share Savings

Dividend Rate	Annual Percentage Yield	Min. Balance
0.10%	0.10%	$25.00

IRA Savings

Dividend Rate	Annual Percentage Yield	Min. Balance
0.05%	0.05%	$25.00

Christmas Club

Dividend Rate	Annual Percentage Yield***	Min. Balance
2.73%	2.75%	$50.00

*There is a penalty for early withdrawal from a Certificate or IRA Certificate. If funds are taken out prior to maturity of a Certificate or IRA Certificate, there is a penalty of: 30 days – dividends forfeited if the Certificate matures in 365 days or less; 60 days – dividends forfeited if the Certificate matures in two years; and 90 days – dividends forfeited if the Certificate matures in three years or more.

**APY = Annual Percentage Yield

***Christmas Club: There is a $25 early withdrawal fee if funds are withdrawn prior to October 31

Interest and Dividend Rate Sheets, Brochures and Applications for specific services and products and Fee Schedules are available at any MVFCU office. MVFCU waives the fees of some services for senior citizens age 60 and over.

Business Savings Rates

Business Share Certificate Rates

Valid December 18, 2024 through December 24, 2024

Minimum Balance - $10,000 and over

	Dividend Rate	Annual Percentage Yield
6 Months	2.00%	2.01%
1 Year	4.18%	4.25%
2 Years	2.50%	2.52%
3 Years	2.72%	2.75%
5 Years	3.00%	3.03%

Minimum Balance - $400 to $9,999.99

	Dividend Rate	Annual Percentage Yield
6 Months	1.97%	1.98%
1 Year	4.18%	4.25%
2 Years	2.47%	2.49%
3 Years	2.72%	2.75%
4 Years	2.87%	2.90%
5 Years	2.97%	3.00%

Money Market Shares

Valid through December 2024

Amount	Dividend Rate	Annual Percentage Yield	Min. Balance
$50,000 and over	0.65%	0.65%	$50,000.00
$10,000 - $49,999.99	0.55%	0.55%	$10,000.00
Base Rate	0.45%	0.45%	$2,000.00

Share Draft

Dividend Rate	Annual Percentage Yield	Min. Balance
0.05%	0.05%	$2,000.00

Anticipated Fourth Quarter 2024

Share Savings

Dividend Rate	Annual Percentage Yield	Min. Balance
0.10%	0.10%	$25.00

Consumer Loan Rates

Effective as of November 1, 2024
For more information please contact us

Loan requests are usually answered within 24 hours of submitting your completed application.
We offer zero down for qualified members with medium to high credit quality ratings on most loan types.

Vehicle Loans

Loan Type	Suggested Term	Base Interest Rate*	Terms and Conditions
New or Used Autos and Street Motorcycles	Under $10,000 : 48 months	5.99%	2017 or newer
	$10,000 : 60 months	6.09%
	$15,000 : 72 months	6.24%
	$20,000 : 84 months	6.74%
	$45,000 : 96 months	7.49%
Older Autos and Street Motorcycles (8 - 10 years old)	Maximum $35,000 Year 2014 - 2016: 60 months	6.99%	Vehicle inspection required
Classic Cars	Up to 60 months	8.00%	Minimum 20% down payment required
Classic Cars	72-144 months	10.25%	Minimum 20% down payment required
Airplanes, Boats, Motorhomes and Travel Trailers	Up to 60 months	7.40%	Call MVFCU for Terms and Conditions Motorhomes – older than 15 years are reviewed for approval
	61-144 months	8.40%
	145-180 months	8.90%
Electric Bicycles, Motorcycles, ATVs, Jet Skis, Snow Machines, Slide in Campers, Riding Lawnmowers Horse Trailers, Lawn Tractors and Utility Trailers	$9,999 or below : 48 months	6.90%	New or used Collateral 2017 and newer
	$10,000 and over : 60 months	6.90%
	$15,000 and over : 72 months	7.40%
	$25,000 and over : 84 months	8.40%

Everyday Loans

Loan Type	Suggested Term	Base Interest Rate*	Usual Down Payment	Terms and Conditions
Signature Loan (unsecured) Maximum unsecured loan amount may be up to 200% of gross monthly income not to exceed $20,000	up to 36 months	13.10%	n/a	Maximum unsecured loan amount may be up to 200% of gross monthly income not to exceed $20,000
	37-60 months	14.65%	n/a
Line of Credit (unsecured)		11.90%	n/a	Maximum unsecured loan amount may be up to 200% of gross monthly income not to exceed $20,000
Credit Builder Not available on Money Market (20) account		Dividend Rate + 2.00%	n/a	Not available on Money Market (20) account
VISA Secured Credit Card		16.25%	n/a	See More Information**
VISA Classic Credit Card		Variable 11.25% - 14.25%	n/a	See More Information***

*The Base Interest Rate: is the lowest interest rate available at MVFCU. Your actual interest rate may be higher depending on your credit history. Each loan request is considered on an individual basis.

**VISA Secured More Information: As market conditions fluctuate, so does your interest rate. The rate is tied to a market prime plus a percentage (as low as prime +9%). Interest rates are the same for purchases and cash advances. You have 30 days to repay your balance for purchases before being charged a finance charge. No minimum finance charge, no per transaction fees, Cash Advance Fee $5.00 (per day a cash advance is made, not per advance), Late Payment Fee $15.00, cannot exceed the minimum payment due. An Annual Fee of $20 will be billed during the card's anniversary month.

***VISA Classic More Information: As market conditions fluctuate, so does your interest rate. The rate is tied to a market prime plus a percentage (as low as prime +4%). Interest rates are the same for purchases and cash advances. You have 30 days to repay your balance for purchases before being charged a finance charge. No minimum finance charge, no per transaction fees, Cash Advance Fee $5.00 (per day a cash advance is made, not per advance), Late Payment Fee $15.00, cannot exceed the minimum payment due.

Alaska Residential Real Estate Loan Rates

Effective as of December 20, 2024
For more information please contact us
APR = Annual Percentage Rate

Interest Rates are subject to change without notice and may vary based on your credit history, loan amount and/or property type. Actual APR on some loans may be higher based on loan amount and terms selected.

Owner Occupied First Deed of Trust: Single Family Residence

Loan Term	Max Loan to Value	Interest Rate & Annual Percentage Rate
10 years	95%	Please contact a Residential Loan Officer or call 907.745.9165 for current rates
15 years	95%	Please contact a Residential Loan Officer or call 907.745.9165 for current rates
20 years	95%	Please contact a Residential Loan Officer or call 907.745.9165 for current rates
30 years	95%	Please contact a Residential Loan Officer or call 907.745.9165 for current rates

Recreational Cabin: Primary Residence or a Second Home

Loan Term	Max Loan to Value	Interest Rate	APR
15 years ^a	75%	8.875%	9.198%

Owner Occupied Second Deed of Trust: Single Family Residence

Loan Term	Max Loan to Value	Interest Rate	APR
Up to 10 years ^b	80%	10.000%	10.495%
Up to 15 years ^c	80%	10.500%	10.870%

Improved/ Un-improved Residential Land

Loan Term	Max Loan to Value	Interest Rate	APR
10 years ^d	75%	8.250%	8.729%
15 years ^e	75%	8.250%	8.596%

Improved/ Un-improved Recreational Land

Loan Term	Max Loan to Value	Interest Rate	APR
10 years ^f	70%	8.250%	8.729%
15 years ^g	70%	8.250%	8.596%

Improved/ Un-improved Remote Land

Loan Term	Max Loan to Value	Interest Rate	APR
10 years ^h	60%	11.000%	11.505%
15 years ⁱ	60%	11.000%	11.376%

Home Equity Line First Deed of Trust

Maximum Loan amount $500,000, No Loan Origination Fee. Current Prime Rate: 7.500%

Loan Term	Max Loan to Value	Base Interest Rate	Rate Floor	Rate Ceiling
7 year draw	80%	Prime + 0.25%	5.00%	15.00%

Home Equity Line Second Deed of Trust

Max Loan amount $300,000, No Loan Origination Fee. Current Prime Rate: 7.500%

Loan Term	Max Loan to Value	Base Interest Rate	Rate Floor	Rate Ceiling
7 year draw	80%	Prime + 0.75%	5.00%	15.00%

Notes:

a	Assumes a 25% down payment on a loan amount of $100,000 and a minimum credit score of 740. The monthly payment in this example is $1,006.84, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.
b	Assumes a 20% down payment on a loan amount of $50,000 and a minimum credit score of 740. The monthly payment in this example is $660.75, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.
c	Assumes a 20% down payment on a loan amount of $50,000 and a minimum credit score of 740. The monthly payment in this example is $552.70, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.
d	Assumes a 25% down payment on a loan amount of $50,000 and a minimum credit score of 740. The monthly payment in this example is $613.26, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.
e	Assumes a 25% down payment on a loan amount of $50,000 and a minimum credit score of 740. The monthly payment in this example is $485.07, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.
f	Assumes a 30% down payment on a loan amount of $50,000 and a minimum credit score of 740. The monthly payment in this example is $613.26, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.
g	Assumes a 30% down payment on a loan amount of $50,000 and a minimum credit score of 740. The monthly payment in this example is $485.07, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.
f	Assumes a 40% down payment on a loan amount of $50,000 and a minimum credit score of 740. The monthly payment in this example is $688.75, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.
g	Assumes a 40% down payment on a loan amount of $50,000 and a minimum credit score of 740. The monthly payment in this example is $568.30, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.

MVFCU NMLS#418470

Hawaii Residential Real Estate Loan Rates

Effective as of December 20, 2024
For more information please contact us
APR = Annual Percentage Rate

Owner Occupied First Deed of Trust: Single Family Residence

Loan Term	Max Loan to Value	Interest Rate & Annual Percentage Rate
10 years	95%	Please contact a Residential Loan Officer or call 907.745.9165 for current rates
15 years	95%	Please contact a Residential Loan Officer or call 907.745.9165 for current rates
20 years	95%	Please contact a Residential Loan Officer or call 907.745.9165 for current rates
30 years	95%	Please contact a Residential Loan Officer or call 907.745.9165 for current rates

Island Home

Loan Term	Max Loan to Value	Interest Rate	APR
15 years ^a	80%	8.875%	9.125%

Owner Occupied Second Mortgage: Single Family Residence

Loan Term	Max Loan to Value	Interest Rate	APR
Up to 10 years ^b	80%	10.000%	10.495%
Up to 15 years ^c	80%	10.500%	10.870%

Home Equity Line First Mortgage

Max Loan amount $500,000, No Loan Origination Fee. Current Prime Rate: 7.500%

Loan Term	Max Loan to Value	Base Interest Rate	Rate Floor	Rate Ceiling
7 year draw	80%	Prime + 0.25%	5.00%	15.00%

Home Equity Line Second Mortgage

Max Loan amount $300,000, No Loan Origination Fee. Current Prime Rate: 7.500%

Loan Term	Max Loan to Value	Base Interest Rate	Rate Floor	Rate Ceiling
7 year draw	80%	Prime + 0.75%	5.00%	15.00%

Notes:

a	Assumes a 20% down payment on a loan amount of $200,000 and a minimum credit score of 740. The monthly payment in this example is $2,013.69, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.
b	Assumes a 20% down payment on a loan amount of $50,000 and a minimum credit score of 740. The monthly payment in this example is $830.06, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.
c	Assumes a 20% down payment on a loan amount of $50,000 and a minimum credit score of 740. The monthly payment in this example is $552.70, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.

MVFCU NMLS# 418470