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 August 1, 2018. Rates and offers are subject to change without notice. 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 2017- 2019 Up to 66 months

67 to 78 months

79 – 86 months

 

3.49%

3.74%   (Min $20,000)

4.24% (Min $25,000)

 

2013 – 2016

 

 0- 48

49 – 66

67 – 78

3.49%

3.74%

4.24%

2012 and older 48 months 5.74%

Recreational Vehicles

Model Years TERM ANNUAL PERCENTAGE RATE
(As Low As)*
Motorcycles, Boats, Motor Homes
2017 thru 2019 up to 60 months
61 – 84 months min. $10K
85 – 120 months min. $20K
121 – 144 months min. $30K
4.25%
4.75%
5.25%
6.25%
2013 thru 2016

2012 – Older

Up to 60 months

61 – 72 months min. $10K

0 – 48

 

4.50%

5.00%

7.25%

 

Campers, Snowmobiles, Jet Skis, ATVs, Etc.
2017 thru 2019

 

2013 – 2016

 

 

up to 60 months
61 – 84 months min. $10K0 – 60
4.74%
4.99%5.24%

Personal Loans

TYPE OF LOAN TERM ANNUAL PERCENTAGE RATE

(As Low As)*

Personal Loan up to 60 months 7.99%
Share-Secured 72 months SHARE Div. Rate + 4.00%
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)*
Platinum Rate Disclosure 0.00% 1st 6 months then as low as 10.24%
 

Signature

CC Rewards

Affinity

 

Rate Disclosure

Rate Disclosures

Rate Disclosures

 

0.00% 1st 6 months then, as low as 12.24%

0.00% 1st 6 months, then as low as 12.24%

0.00% 1st 6 months, then as low as 12.24%

*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 mortgage partner, Mortgage Center, offers a team of seasoned mortgage professionals who can advise you on the best loan programs and most competitive interest rates available to you.

NMLS# 282701  Equal Housing Lender

Call 1-888-562-6865 or visit Mortgage Center Online for more details and today’s rates.

Home Equity Loans***

Closed End Home Equity Loan

Call our Mortgage Center for Rates and to Apply. Click for Today’s Rates
1-888-484-4775 Ext 9468
Katelyn Sitarski
NMLS# 282701

Home Equity Line of Credit
Variable Rate*

As low as 4.75% 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 4.75% APR. Please read the “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 $380 -$500 is due at time of application. Visit our HOME EQUITY LEARNING CENTER for important information about home equity loans.

IMPORTANT TERMS      LEARNING CENTER

***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

Deposit Rates

Deposit Rates

As of August 1, 2018

SHARES DIVIDEND RATE ANNUAL PERCENTAGE YIELD
All Shares 0.05% 0.05%
Club Accounts 0.05% 0.05%
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%
Share Draft (Checking) 0.00% 0.00%
Individual Retirement Accounts 0.05% 0.05%
SHARE/IRA CERTIFICATES DIVIDEND RATE ANNUAL PERCENTAGE YIELD
6-month Certificate 0.05% 0.05%
1-year Certificate 0.10% 0.10%
2-year Certificate 0.20% 0.20%
3-year Certificate 0.40% 0.40%
4-year Certificate 0.60% 0.60%
5-year Certificate 0.80% 0.80%
Minimum Deposit $500.00 – Rates are subject to change
MONEY MARKET DIVIDEND RATE ANNUAL PERCENTAGE YIELD
$0 – $2,499 0.05% 0.05%
$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+ 0.10% 0.10%

Fees

Fees

Effective August 1, 2018

SCHEDULE OF FEES
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 19 and under. 4%
Copy of Canceled Check $5.00
Copy of Deposit Item $5.00
Copy of Transaction Receipt $2.00
Corporate Check $5.00
Courtesy Pay $33.00
Dormant Account Fee (after 12 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 $25.00
Fax $2.00 Per Page
Foreign Wire Transfer – Outgoing $35.00
Garnishment and Tax Levy $45.00 Per Order
Home Equity Subordination $200.00
Mail Returned Due to Incorrect Address (Monthly) $5.00
Manual Posting ACH, Share Draft $3.00
Money Order $3.00
Non-Member Check Cashing $5.00
Notary & Signature Guarantee $5.00
NSF Foreign Return Item $45.00
NSF for items you authorize $33.00 Per Incident
Overdrawn Share or Checking Account $33.00
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
$33.00
Share Account Transfer for Overdraft $3.00
Staff Assisted Phone Transfers (Per Call) $3.00
Statement Copy $2.00 Per Page
Stop Payment (Including EFT and Corporate) $33.00
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 $1.50 (after first 5 per month)

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.

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