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Mortgage Rates

For real rates in real time, visit our Mortgage Page

Checking Accounts

**The checking account types listed below are no longer available for new account openings: Seniors Choice Checking 0.05/0.05APY (up to 0.15 APY FOR TROPHY LEVEL) Rewards Checking 0.05/0.05 APY (up to 0.15 APY FOR TROPHY LEVEL)
Account **Dividend Rate (APR)Annual Percentage Yield (APY)
TVFCU Perks Platinum Checking0.50%0.50%
TVFCU Perks Plus0.25%0.25%
Dividend Rate (APR)0.50%
Annual Percentage Yield (APY)0.50%
Dividend Rate (APR)0.25%
Annual Percentage Yield (APY)0.25%

**The checking account types listed below are no longer available for new account openings: Seniors Choice Checking 0.05/0.05APY (up to 0.15 APY FOR TROPHY LEVEL) Rewards Checking 0.05/0.05 APY (up to 0.15 APY FOR TROPHY LEVEL)

Savings Accounts

AccountsDividend RateAnnual Percentage Yield (APY)
Share Accounts0.30%0.30%
Club Accounts0.30%0.30%
Christmas Club Accounts0.30%0.30%
Health Savings Accounts0.45%0.45%
Youth Savings Accounts0.30%0.30%
Dividend Rate0.30%
Annual Percentage Yield (APY)0.30%
Dividend Rate0.30%
Annual Percentage Yield (APY)0.30%
Dividend Rate0.30%
Annual Percentage Yield (APY)0.30%
Dividend Rate0.45%
Annual Percentage Yield (APY)0.45%
Dividend Rate0.30%
Annual Percentage Yield (APY)0.30%

Money Market Accounts

BalanceDividend RateAnnual Percentage Yield (APY)
$2,500 - $9,9992.47%2.50%
$10,000 - $24,9992.52%2.55%
$25,000 - $49,9992.67%2.70%
$50,000 - $99,9992.91% 2.95%
$100,000 - $149,9992.96%3.00%
$150,000 - $199,9993.01%3.05%
$200,000+3.06%3.10%
Dividend Rate2.47%
Annual Percentage Yield (APY)2.50%
Dividend Rate2.52%
Annual Percentage Yield (APY)2.55%
Dividend Rate2.67%
Annual Percentage Yield (APY)2.70%
Dividend Rate2.91%
Annual Percentage Yield (APY) 2.95%
Dividend Rate2.96%
Annual Percentage Yield (APY)3.00%
Dividend Rate3.01%
Annual Percentage Yield (APY)3.05%
Dividend Rate3.06%
Annual Percentage Yield (APY)3.10%

Individual Retirement Accounts (IRAs)

Deposit AmountAnnual Percentage Rate (APR)Annual Percentage Yield (APY)
Less than $10,0002.47%2.50%
$10,000 - $24,9992.52%2.55%
$25,000 - $49,9992.67%2.70%
$50,000 - $99,9992.91%2.95%
$100,000 - $149,9992.96%3.00%
$150,000 - $199,9993.01%3.05%
$200,000+3.06%3.10%
Annual Percentage Rate (APR)2.47%
Annual Percentage Yield (APY)2.50%
Annual Percentage Rate (APR)2.52%
Annual Percentage Yield (APY)2.55%
Annual Percentage Rate (APR)2.67%
Annual Percentage Yield (APY)2.70%
Annual Percentage Rate (APR)2.91%
Annual Percentage Yield (APY)2.95%
Annual Percentage Rate (APR)2.96%
Annual Percentage Yield (APY)3.00%
Annual Percentage Rate (APR)3.01%
Annual Percentage Yield (APY)3.05%
Annual Percentage Rate (APR)3.06%
Annual Percentage Yield (APY)3.10%

Business Share & Club Accounts

AccountDividend RateAnnual Percentage Yield (APY)
Business Share & Club0.30%0.30%
Dividend Rate0.30%
Annual Percentage Yield (APY)0.30%

Business Money Market Accounts

$2,500 minimum balance is required to earn dividends on Money Market Accounts.
BalanceDividend RateAnnual Percentage Yield (APY)
$2,500 – $9,99992.47%2.50%
$10,000 – $24,9992.52%2.55%
$25,000 – $49,9992.67%2.70%
$50,000 – $99,9992.91%2.95%
$100,000 – $149,9992.96%3.00%
$150,000 – $199,9993.01%3.05%
$200,000+3.06%3.10%
Dividend Rate2.47%
Annual Percentage Yield (APY)2.50%
Dividend Rate2.52%
Annual Percentage Yield (APY)2.55%
Dividend Rate2.67%
Annual Percentage Yield (APY)2.70%
Dividend Rate2.91%
Annual Percentage Yield (APY)2.95%
Dividend Rate2.96%
Annual Percentage Yield (APY)3.00%
Dividend Rate3.01%
Annual Percentage Yield (APY)3.05%
Dividend Rate3.06%
Annual Percentage Yield (APY)3.10%

$2,500 minimum balance is required to earn dividends on Money Market Accounts.

Business Share Certificates

*$1,000 minimum opening deposit required. A penalty applies for early withdrawal.
TermDividend RateAnnual Percentage Yield (APY)
6 Months*4.11%4.15%
12 Months*3.94%4.00%
18 Months*3.94%4.00%
24 Months*3.70%3.75%
30 Months*2.97%3.00%
60 Months*2.97%3.00%
Dividend Rate4.11%
Annual Percentage Yield (APY)4.15%
Dividend Rate3.94%
Annual Percentage Yield (APY)4.00%
Dividend Rate3.94%
Annual Percentage Yield (APY)4.00%
Dividend Rate3.70%
Annual Percentage Yield (APY)3.75%
Dividend Rate2.97%
Annual Percentage Yield (APY)3.00%
Dividend Rate2.97%
Annual Percentage Yield (APY)3.00%

*$1,000 minimum opening deposit required. A penalty applies for early withdrawal.

New Cars & Trucks

All rates and terms are subject to change without notice. Loan rates and terms will vary depending on the strength of member’s credit, value of collateral financed and term selected. We offer other rates and terms for members with special borrowing needs. Proof of insurance is required with $1,000 deductible standard. 1. For qualified borrowers, the Credit Union can finance up to 135% of MSRP or NADA Retail INCLUDES tax, tag, warranty. In addition GAP Protection may be added. 76- 84 months on new vehicles requires invoice or NADA retail value greater than $12,500.00. As a payment example, 63 months at 4.99% APR results in payments of $18.02 per $1,000 borrowed. To determine your actual payment, visit our rate calculator.
MileageTermAnnual Percentage Rate (APR)
Within 3 most recent model years and less than 25,000 miles163 months or less4.99% to 15.49%
Within 3 most recent model years and less than 25,000 miles164 - 75 months5.49% to 15.99%
Within 3 most recent model years and less than 25,000 miles (invoice or NADA retail value over $12,500)176 - 84 months6.29% to 11.29%
Term63 months or less
Annual Percentage Rate (APR)4.99% to 15.49%
Term64 - 75 months
Annual Percentage Rate (APR)5.49% to 15.99%
Term76 - 84 months
Annual Percentage Rate (APR)6.29% to 11.29%

All rates and terms are subject to change without notice. Loan rates and terms will vary depending on the strength of member’s credit, value of collateral financed and term selected. We offer other rates and terms for members with special borrowing needs. Proof of insurance is required with $1,000 deductible standard. 1. For qualified borrowers, the Credit Union can finance up to 135% of MSRP or NADA Retail INCLUDES tax, tag, warranty. In addition GAP Protection may be added. 76- 84 months on new vehicles requires invoice or NADA retail value greater than $12,500.00. As a payment example, 63 months at 4.99% APR results in payments of $18.02 per $1,000 borrowed. To determine your actual payment, visit our rate calculator.

Used Cars & Trucks

1. For qualified borrowers, the Credit Union can finance up to 135% of NADA Retail Value INCLUDES tax, tag, warranty. In addition GAP Protection may be added. 76-84 months on used vehicles requires invoice or NADA retail value greater than $12,500.00. 2. For qualified borrowers, the Credit Union can finance up to 100% of NADA Retail Value or purchase price, whichever is less PLUS tax, tag, title and GAP. 61-72 months requires NADA retail value greater than $12,500.00 (down payment required at Credit Union discretion). As a payment example, 63 months at 5.99% APR results in payments of $18.54 per $1,000 borrowed. To determine your actual payment, visit our rate calculator.
MileageTermAnnual Percentage Rate (APR)
25,000 - 99,999 miles163 months or less5.99% to 16.49%
25,000 - 99,999 miles164 to 75 months6.49% to 16.99%
25,000 - 99,999 miles176 to 84 months7.29% to 12.29%
Greater than 100,000 miles but less than 175,000 miles263 months or less6.99% to 17.49%
Greater than 100,000 miles but less than 175,000 miles264 to 75 months7.49% to 17.99%
Term63 months or less
Annual Percentage Rate (APR)5.99% to 16.49%
Term64 to 75 months
Annual Percentage Rate (APR)6.49% to 16.99%
Term76 to 84 months
Annual Percentage Rate (APR)7.29% to 12.29%
Term63 months or less
Annual Percentage Rate (APR)6.99% to 17.49%
Term64 to 75 months
Annual Percentage Rate (APR)7.49% to 17.99%

1. For qualified borrowers, the Credit Union can finance up to 135% of NADA Retail Value INCLUDES tax, tag, warranty. In addition GAP Protection may be added. 76-84 months on used vehicles requires invoice or NADA retail value greater than $12,500.00. 2. For qualified borrowers, the Credit Union can finance up to 100% of NADA Retail Value or purchase price, whichever is less PLUS tax, tag, title and GAP. 61-72 months requires NADA retail value greater than $12,500.00 (down payment required at Credit Union discretion). As a payment example, 63 months at 5.99% APR results in payments of $18.54 per $1,000 borrowed. To determine your actual payment, visit our rate calculator.

New & Used Motorcycles, ATVs & Jet Skis

1. Not more than two model years old and previously titled (street bikes only, not previously owned). For qualified borrowers, the Credit Union can finance up to 100% of MSRP (plus tax, tag, and warranty). Dealer discounts not accepted as down payments. Warranty up to $1,200. $10,000 minimum for 72 and 84 months. 2. Five model years old or newer (street bikes only). For qualified borrowers, the Credit Union can finance up to 100% of NADA Average Retail (includes tax, tag, and warranty). Dealer discounts not accepted as down payments. $10,000 minimum for 72 months. 3. For qualified borrowers: New ATVs and jet skis up to 75% MSRP, new or used other collateral up to 75% NADA used trade-in value (tax, tag, and warranty included in percentages). As a payment example, 84 months at 6.99% APR results in payments of $15.09 per $1,000 borrowed. To determine your actual payment, visit our rate calculator.
Vehicle TypeTermAnnual Percentage Rate (APR)
New Motorcycles136–84 months6.99% to 13.49%
Used Motorcycles236–72 months7.99% to 13.99%
ATVs & Jet Skis324–60 months9.99% to 18.00%
Term36–84 months
Annual Percentage Rate (APR)6.99% to 13.49%
Term36–72 months
Annual Percentage Rate (APR)7.99% to 13.99%
Term24–60 months
Annual Percentage Rate (APR)9.99% to 18.00%

1. Not more than two model years old and previously titled (street bikes only, not previously owned). For qualified borrowers, the Credit Union can finance up to 100% of MSRP (plus tax, tag, and warranty). Dealer discounts not accepted as down payments. Warranty up to $1,200. $10,000 minimum for 72 and 84 months. 2. Five model years old or newer (street bikes only). For qualified borrowers, the Credit Union can finance up to 100% of NADA Average Retail (includes tax, tag, and warranty). Dealer discounts not accepted as down payments. $10,000 minimum for 72 months. 3. For qualified borrowers: New ATVs and jet skis up to 75% MSRP, new or used other collateral up to 75% NADA used trade-in value (tax, tag, and warranty included in percentages). As a payment example, 84 months at 6.99% APR results in payments of $15.09 per $1,000 borrowed. To determine your actual payment, visit our rate calculator.

New Boats, Motorhomes, and Travel Trailers & Campers

For qualified borrowers, the Credit Union can finance up to 100% of MRSP (plus tax, tag, and license). As a payment example, 60 months at 6.24% APR results in payments of $19.44 per $1,000 borrowed. To determine your actual payment, visit our rate calculator.
Loan AmountTermAnnual Percentage Rate (APR)
Up to $9,999Up to 60 months6.24% to 16.24%
$10,000–$24,99961–120 months6.34% to 15.24%
$25,000–$49,999121–144 months6.54% to 11.54%
$50,000+145–180 months7.44% to 11.24%
TermUp to 60 months
Annual Percentage Rate (APR)6.24% to 16.24%
Term61–120 months
Annual Percentage Rate (APR)6.34% to 15.24%
Term121–144 months
Annual Percentage Rate (APR)6.54% to 11.54%
Term145–180 months
Annual Percentage Rate (APR)7.44% to 11.24%

For qualified borrowers, the Credit Union can finance up to 100% of MRSP (plus tax, tag, and license). As a payment example, 60 months at 6.24% APR results in payments of $19.44 per $1,000 borrowed. To determine your actual payment, visit our rate calculator.

Used Boats, Motorhomes, Travel Trailers & Campers

For qualified borrowers, the Credit Union can finance up to 100% of NADA Average Retail (plus tax, tag, and license). As a payment example, 60 months at 10.24% APR results in payments of $21.37 per $1,000 borrowed. To determine your actual payment, visit our rate calculator.
Loan AmountTermAnnual Percentage Rate (APR)
Up to $9,999Up to 60 Months10.24% to 13.49%
$10,000 to $24,99961–120 months9.99% to 13.24%
$25,000 to $49,999121–144 months9.74% to 12.49%
$50,000 or higher145–180 months9.49% to 12.24%
TermUp to 60 Months
Annual Percentage Rate (APR)10.24% to 13.49%
Term61–120 months
Annual Percentage Rate (APR)9.99% to 13.24%
Term121–144 months
Annual Percentage Rate (APR)9.74% to 12.49%
Term145–180 months
Annual Percentage Rate (APR)9.49% to 12.24%

For qualified borrowers, the Credit Union can finance up to 100% of NADA Average Retail (plus tax, tag, and license). As a payment example, 60 months at 10.24% APR results in payments of $21.37 per $1,000 borrowed. To determine your actual payment, visit our rate calculator.

Personal Loans

As a payment example, 60 months at 10.49% APR results in payments of $21.49 per $1,000 borrowed. To determine your actual payment, visit our rate calculator. The APR on a Share Secured Loan can be calculated by adding 2% to the APY of the share account you are using to secure the loan. For example, if your Share Account APY is 0.03%, then the APR on your Share Secured Loan will be 2.03%.
Loan TypeTermAnnual Percentage Rate (APR)
Personal Term Loan 24 Months10.49% to 18.00%
Personal Term Loan36 Months10.49% to 18.00%
Personal Term Loan48 Months10.49% to 18.00%
Personal Term Loan60 Months10.49% to 18.00%
Secured LoansVariedLoan APR is determined by adding 2% to the dividend rate you are earning on the share account that will be secured for the loan.
Term 24 Months
Annual Percentage Rate (APR)10.49% to 18.00%
Term36 Months
Annual Percentage Rate (APR)10.49% to 18.00%
Term48 Months
Annual Percentage Rate (APR)10.49% to 18.00%
Term60 Months
Annual Percentage Rate (APR)10.49% to 18.00%
TermVaried
Annual Percentage Rate (APR)Loan APR is determined by adding 2% to the dividend rate you are earning on the share account that will be secured for the loan.

As a payment example, 60 months at 10.49% APR results in payments of $21.49 per $1,000 borrowed. To determine your actual payment, visit our rate calculator. The APR on a Share Secured Loan can be calculated by adding 2% to the APY of the share account you are using to secure the loan. For example, if your Share Account APY is 0.03%, then the APR on your Share Secured Loan will be 2.03%.

Share Certificates

*$1,000 minimum opening deposit required. A penalty applies for early withdrawal.
Early withdrawal penalties may apply. Unless otherwise noted: Accounts with a term of one year or less may incur a penalty of the greater of seven days’ dividends on the withdrawn amount, all dividends earned up to 90 days, or $25.00. Accounts with a term longer than one year may incur a penalty of the greater of seven days’ dividends on the withdrawn amount, all dividends earned up to 180 days, or $25.00. The penalty may be calculated based on the rate at the time of withdrawal and, if necessary, deducted from the principal.
TermDividend RateAnnual Percentage Yield (APY)
6 Months* 4.11%4.15%
12 Months*3.94%4.00%
18 Months*3.94%4.00%
24 Months*3.70%3.75%
30 Months*2.97%3.00%
60 Months* 2.97%3.00%
Dividend Rate 4.11%
Annual Percentage Yield (APY)4.15%
Dividend Rate3.94%
Annual Percentage Yield (APY)4.00%
Dividend Rate3.94%
Annual Percentage Yield (APY)4.00%
Dividend Rate3.70%
Annual Percentage Yield (APY)3.75%
Dividend Rate2.97%
Annual Percentage Yield (APY)3.00%
Dividend Rate2.97%
Annual Percentage Yield (APY)3.00%

*$1,000 minimum opening deposit required. A penalty applies for early withdrawal.
Early withdrawal penalties may apply. Unless otherwise noted: Accounts with a term of one year or less may incur a penalty of the greater of seven days’ dividends on the withdrawn amount, all dividends earned up to 90 days, or $25.00. Accounts with a term longer than one year may incur a penalty of the greater of seven days’ dividends on the withdrawn amount, all dividends earned up to 180 days, or $25.00. The penalty may be calculated based on the rate at the time of withdrawal and, if necessary, deducted from the principal.

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