Catholic Vantage Financial strives to give you the best possible value for your money with a complete line of banking products and services. As a member-owned financial institution serving the Catholic community, we are committed to providing competitive rates on savings and lower rates on loans.
Your deposits are insured to the maximum amount by the National Credit Union Administration (NCUA).
For more details download our PDF brochure: Your Insured Funds.
Effective July 01, 2021. Rates and offers are for new loans only and are subject to change without notice. Loans already financed with Catholic Vantage Financial do not qualify. Call us at (734) 432-0212 for more information.
***Rates are stated as low as and subject to change***
| TYPE OF LOAN | TERM | ANNUAL PERCENTAGE RATE
(As Low As)* |
|---|---|---|
| New Auto
(Model Years 2020-2021) |
Up to 60 months
61 to 72 months 73 to 84 months |
1.99%
2.49% (Min $15,000) 2.74% (Min $20,000) |
| Used Auto
(Model Years 2018-2019) |
Up to 60 months
61 to 72 months 73 to 84 months |
1.99%
2.49% (Min. $15,000) 2.74% (Min. $20,000) |
| Used Auto
(Model Years 2014-2017) |
Up to 36 months
37 to 48 months 49 to 60 months 61 to 72 months |
2.99%
3.49% 3.99% (Min. $15,000) 4.49% (Min. $20,000) |
| Used Auto
(2013 and older, including Classic Cars) |
Up to 36 months
37 to 48 months 49 to 60 months |
4.99%
5.74% (Min. $10,000) CLASSIC ONLY 3.99% Requires Appraisal |
| Model Years | TERM | ANNUAL PERCENTAGE RATE (As Low As)* |
|---|---|---|
| New Recreational (Boats, RVs, Campers, and Travel Trailers) | ||
| NEW
(Model Years 2019 thru 2021)
|
up to 60 months 61 – 120 months 121 to 180 months
|
4.99% 5.74% (Min. $20,000) 6.49% (Min. $30,000)
|
| USED
(Model Years 2016 thru 2018)
(Model Years 2015 and older)
|
Up to 60 months
61 – 120 months 121 to 180 months Up to 60 months 61 to 120 months 121 to 180 months |
4.99%
5.99% (Min. $20,000) 6.99% (Min. $30,000) 5.99% 6.99% (Min. $20,000 7.99% (Min. $30,000) |
| Powersports (Motorcycles, ATV, Personal Watercraft, Snowmobiles) | ||
| NEW
(Model Years 2020 thru 2022)
USED (Model Years 2019 and older) |
up to 48 months
0 to 60 months 61 to 84 months 85 to 96 months 97 to 120 months
Up to 48 months 0 to 60 months 61 to 72 months 73 to 84 months
|
N/A%
5.74% 6.24% (Min. $15,000) 6.99% (Min. $20,000) 7.74% (Min. $20,000, Motorcycle)
N/A% 6.49% 7.24% (Min. $15,000) 7.99% (Min. $20,000)
|
| TYPE OF LOAN | TERM | ANNUAL PERCENTAGE RATE
(As Low As)* |
|---|---|---|
| Personal Loan
|
up to 24 months
25 to 48 months 49 to 60 months |
9.99%
7.99% 8.99% |
| Share Secured | up to 60 months
61 to 84 months 85 to 120 months |
3.00%
3.50% (Min. $10,000) 4.00% (Min. $25,000) |
| Certificate of Deposit Secured | Not to exceed certificate maturity | Certificate Rate + 3.00% |
| Tuition (Checks payable to the schools) | 12 months | 3.75% |
| Line of Credit / Overdraft Protection | 11.75% (Min. $500) |
| Account | Variable Rate. Please read disclosure. | ANNUAL PERCENTAGE RATE (As Low As)* Starting 04/01/2020 |
|---|---|---|
| Platinum | Rate Disclosure | 0.00% 1st 6 months then as low as 8.74% |
| Signature
CC Rewards Affinity |
Rate Disclosure | 0.00% 1st 6 months then, as low as 10.74%
0.00% 1st 6 months, then as low as 10.74% 0.00% 1st 6 months, then as low as 10.74% |
*As Low As Rates represent the lowest rates available for members of Catholic Vantage Financial with A+ credit. Rates may vary based on credit history. All rates are subject to change without notice.
The as low as rate is used for an estimate only; your actual rate may vary and will be determined at the time of application based on the applicant’s credit score, loan term, and collateral value.
Our loan experts include a team of seasoned mortgage professionals who can advise you on the best loan programs and most competitive interest rates available to you.
Catholic Vantage Financial NMLS#: 491926
*Annual Percentage Rate. The Home Equity Line of Credit (HELOC) is a variable rate loan based on the Wall Street Journal Prime Rate, plus or minus an index, and can change quarterly. Regular HELOC rate for A+ credit is currently as low as 3.25% APR. Ask us for “Important Terms” and view historical rates and payment examples. Your actual rate and index will be based on your credit score and combined loan to value. The rate floor for A+ credit and 80% LTV is 3.25% APR. The maximum rate is 18.00% APR. The minimum loan for this Home Equity Line of Credit is $10,000. Appraisal fee of approximately $500 is due at time of application. Assumes A+ credit and 80% Combined Loan to Value. Your fee may be more or less depending on property and appraisal required. Visit our HOME EQUITY LEARNING CENTER for important information about home equity loans.
***As low as rate is our lowest rate available for the type of loan indicated. Our as low as rate is based on member credit history and the type and term of the loan selected. The as low as rate is used for an estimate only; your actual rate may vary and will be determined at the time of application based on the applicant’s credit score.
As of July 01, 2021
| SHARES | DIVIDEND RATE | ANNUAL PERCENTAGE YIELD |
| Savings (Shares) Accounts | 0.05% | 0.05% |
| Checking (Draft) Accounts | 0.00% | 0.00% |
| Youth Accounts (16 years of age or under) | ||
| $0.01 to $1,000.00 | 1.00% | 1.00% |
| $1,000.01 and up | 0.05% | 0.05% |
| Club Accounts | 0.05% | 0.05% |
| Individual Retirement Accounts Traditional, Roth & ESA | 0.05% | 0.05% |
| IRA/SHARE CERTIFICATES | DIVIDEND RATE | ANNUAL PERCENTAGE YIELD |
| Rates are subject to change without notice. | ||
| 1-year Certificate | 0.20% | 0.20% |
| 2-year Certificate | 0.25% | 0.25% |
| 3-year Certificate | 0.35% | 0.35% |
| 4-year Certificate | 0.45% | 0.45% |
| 5-year Certificate | 0.55% | 0.55% |
| Minimum $500 Deposit Required APY = Annual percentage yield. *Rates are subject to change without notice |
||
| MONEY MARKET | DIVIDEND RATE | ANNUAL PERCENTAGE YIELD |
| $0 – $2,499 | 0.00% | 0.00% |
| $2,500 – $9,999 | 0.05% | 0.05% |
| $10,000 – $24,999 | 0.05% | 0.05% |
| $25,000 – $49,999 | 0.10% | 0.10% |
| $50,000 – $74,999 | 0.10% | 0.10% |
| $75,000 – $149,999 | 0.15% | 0.15% |
| $150,000 – $249,999 | 0.20% | 0.20% |
| $250,000 + | 0.20% | 0.20% |
| Service Center Transactions (per transaction)
Paper Statement Fee (after 90 days) Waived for ages under 18 & over 60 |
$5.00*
$2.00 |
|
| Account History Print Out | $2.00 Per Page | |
| Account Research & Reconciliation | $30.00 Per Hour (1-hour min.) | |
| Bill Pay Inactivity After 60 days | $5.00 Per Month | |
| Business Checking | $6.00 Per Month | |
| Check Cashing – Balances less than $100 (Waived if active checking or loan) | $5.00 | |
| Coin Processing – Waived for ages 18 and under. | 8%* | |
| Copy of Canceled Check | $5.00 | |
| Copy of Deposit Item | $5.00 | |
| Copy of Document / Receipt (per page) | $2.00* | |
| Corporate Check | $5.00 | |
| Courtesy Pay | $35.00* | |
| Dormant Account Fee (after 6 months inactive) | $5.00 Per Month* | |
| Early Account Closing (Within Six Months) | $15.00 | |
| Emergency ATM Card Issue | $60.00 | |
| Emergency ATM PIN Issue | $60.00 | |
| Escheat | $50.00* | |
| Fax | $2.00 Per Page* | |
| Foreign Wire Transfer – Outgoing | $50.00* | |
| Garnishment and Tax Levy | $50.00 Per Order* | |
| Home Equity Subordination | $250.00* | |
| Mail Returned Due to Incorrect Address (Monthly) | $10.00* | |
| Manual Posting ACH, Share Draft | $5.00 | |
| Money Order | $3.00 | |
| Non-Member Check Cashing per item | $5.00* | |
| Notarized Signature – per page / signature (first signature free) | $5.00* | |
| NSF Foreign Return Presentment | $5.00 | |
| NSF for items you authorize | $35.00 Per Presentment* | |
| Overdrawn Share or Checking Account | $35.00* | |
| Reissue ATM Card / Lost or Damaged | $5.00 | |
| Reissue Pin | $5.00 | |
| Reprocess Returned Item – 1st Presentment Returned Item Per Presentment |
$5.00 $35.00* |
|
| Share Account Transfer for Overdraft Per Incident | $3.00 | |
| Staff Assisted Phone Transfers (Per Transaction) | $3.00 | |
| Statement Copy | $2.00 Per Page | |
| Stop Payment (Including EFT and Corporate) per stop
Temporary Checks |
$35.00*
$2.00 per page of 4 |
|
| U.S Wire Transfer – Outgoing | $25.00 | |
| Verification of Deposit | $5.00 | |
| VISA Gift Cards | $3.00 Per Card | |
| Withdrawals from NON-CATHOLIC VANTAGE FINANCIAL ATMS
ATM Adjustment per item |
$1.50 (after first 5 per month)
$5.00* |
|
Loan payments may be made using Mobile or online banking at no fee.
Ask us to set up recurring payments from your CVF account at no fee.
A one-time payment from another financial institution can be processed for $5 per payment.
Recurring payments from another financial institution at no fee.