Rates & Fees

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.

Lending Rates

Effective October 01, 2020. 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***

Auto Loans

TYPE OF LOAN TERM ANNUAL PERCENTAGE RATE

(As Low As)*

Model Years 2019 to 2021 Up to 48 months

49 to 60 months

61 to 72 months

73 to 84 months

1.74%

2.24%

2.99% (Min $20,000)

3.24% (Min $25,000)

2017 to 2018

 

 

 

 

2013 to 2016

Up to 36 months

37 to 48 months

49 to 60 months

61 to 72 months

73 to 84 months

Up to 36 months

37 to 48 months

49 to 60 months

1.74%

1.99%

2.99%

3.74%

3.99%

2.99%

3.49%

3.99%

2012 and older including classic Up to 36 months

37 to 48 months

49 to 60 months

3.99%

4.74%

CLASSIC ONLY 3.99%

Recreational Vehicles

Model Years TERM ANNUAL PERCENTAGE RATE
(As Low As)*
New Recreational (Boats, RVs, Campers, and Travel Trailers)
2018 thru 2021

 

 

 

 

 

 

up to 60 months

61 – 120 months min. $20,000

121 to 180 months $30,000

 

 

 

 

 

 

 

4.99%

5.74%

6.49%

 

 

 

 

 

 

USED

2015 thru 2017

 

2014 – Older

 

Up to 60 months

61 – 120 months min. $20,000

121 to 180 months $30,000

0 – 60 months

61 to 120 months $20,000

121 to 180 months $30,000

4.99%

5.99%

6.99%

5.99%

6.99%

7.99%

Powersports (Motorcycles, ATV, Personal Watercraft, Snowmobiles)
2019 thru 2021

 

 

 

 

2018 & Older

up to 48 months

49 to 60 months    Min. $10,000

61 to 72 months    Min. $20,000

73 to 84 months    Min. $25,000

85 to 120 months  Min  $30,000

 

Up to 48 months

49 to 60 months     Min. $10,000

61 to 72 months      Min. $20,000

73 to 84 months     Min. $25,000

 

 

4.24%

4.74%

5.24%

5.99%

6.74%

 

4.24%

5.24%

5.99%

6.74%

 

 

Personal Loans

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 60 months 3.00%
Tuition (Checks payable to the schools) 12 months 3.75%
Line of Credit / Overdraft Protection 11.75%

VISA Accounts

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

Rate Disclosures

Rate Disclosures

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.

Mortgage Loans

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.

Learn More, See Today's Rates, or Apply Online

Home Equity Loans***

Home Equity Line of Credit
As Low As 3.25% APR* (variable rate)

As low as 3.25% APR*. Assumes A+ credit and 80% Combined Loan to Value

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 $5,000.  Appraisal fee of approximately $500 is due at time of application. 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.

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***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.

Rates and Fees

As of October 01, 2020

Deposit Rates

Deposit Rates

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 + 0.25% 0.25%

Fees

Fees

SCHEDULE OF FEES EFFECTIVE AUGUST 15, 2020
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)

Medallion / Signature Guarantee (per page / signature)

$5.00*

$25*

NSF Foreign Return Item $5.00
NSF for items you authorize $35.00 Per Transaction*
Overdrawn Share or Checking Account $35.00*
Regulation D Transfer Fee $40.00
Reissue ATM Card / Lost or Damaged $5.00
Reissue Pin $5.00
Reprocess Returned Item – 1st Presentment
Returned Item
$5.00
$35.00*
Share Account Transfer for Overdraft $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*

NOTE: Some ATMs may impose an additional surcharge. Surcharge-Free ATMs are available through CO-OP Network. Visit our website at www.mycvf.org for the location of these ATMs.

*Indicates change

Loan Payments:

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.