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 January 1, 2020. 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***
| 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% |
| 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% |
| 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% |
| Account | Variable Rate. Please read disclosure. | ANNUAL PERCENTAGE RATE (As Low As)* |
|---|---|---|
| Platinum | Rate Disclosure | 0.00% 1st 6 months then as low as 10.99% |
|
Signature CC Rewards Affinity |
0.00% 1st 6 months then, as low as 12.99% 0.00% 1st 6 months, then as low as 12.99% 0.00% 1st 6 months, then as low as 12.99% |
*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.
As low as 4.50% 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 4.50% 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 $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.
***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 January 1, 2020
| 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 AccountsTraditional, Roth & ESA | 0.05% | 0.05% |
| IRA/SHARE CERTIFICATES | DIVIDEND RATE | ANNUAL PERCENTAGE YIELD |
| Rates change on the 1st of each month* | ||
| 1-year Certificate | 1.65% | 1.66% |
| 2-year Certificate | 1.75% | 1.76% |
| 3-year Certificate | 1.90% | 1.91% |
| 4-year Certificate | 2.05% | 2.07% |
| 5-year Certificate | 2.15% | 2.17% |
| 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 | 0.10% | 0.10% |
| $10,000 – $24,999 | 0.10% | 0.10% |
| $25,000 – $49,999 | 0.15% | 0.15% |
| $50,000 – $74,999 | 0.20% | 0.20% |
| $75,000 – $149,999 | 0.25% | 0.25% |
| $150,000 – $249,999 | 0.45% | 0.45% |
| $250,000 + | 0.70% | 0.70% |
| Paper Statement Fee starting Jan. 2019: *Waived for ages 0-24 and ages 60 and over |
$2.00* Per Month |
| 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) |
