Rates

Rates last updated: August 31, 2016

Share
Type Rate APY* Minimum Deposit
Regular Shares .05% .05% $25
Youth Shares .30% .30% $5
Holiday Club Shares .10% .10% None
High Yield Shares .05% .05% $2,500.00
High Yield Shares .05% .05% $10,000.00
High Yield Shares .15% .15% $50,000.00

*Annual Percentage Yield - Senior APY applies to primary members 55 years of age and older only.
These Rates are current as of the above date and are subject to change on a weekly basis. It is the intention of NuVista Federal Credit Union to pay these dividends, however, they are subject to change and cannot be guaranteed.

 
Advantage Certificate Accounts**
Term Rate APY* Senior Rate Senior APY* Min. Deposit
3 - 5 Months Certificate .15% .15% .15% .15% $500
6 - 11 Months Certificate .15% .15% .15% .15% $500
12 - 23 Months Certificate .30% .30% .30% .30% $500
24 - 35 Months Certificate .35% .35% .35% .35% $500
36 - 47 Months Certificate .45% .45% .45% .45% $500
48 -59 Months Certificate .50% .50% .50% .50% $500
60 Months Certificate .60% .60% .60% .60% $500
Premier Certificate Accounts**
Term Rate APY* Senior Rate Senior APY* Min. Deposit
3 - 5 Months Certificate .20% .20% .20% .20% $10,000
6 - 11 Months Certificate .20% .20% .20% .20% $10,000
12 - 23 Months Certificate .35% .35% .35% .35% $10,000
24 - 35 Months Certificate .40% .40% .40% .40% $10,000
36 - 47 Months Certificate .50% .50% .50% .50% $10,000
48 -59 Months Certificate .60% .60% .60% .60% $10,000
60 Months Certificate .70% .70% .70% .70% $10,000
Mini Jumbo Certificate Accounts**
Term Rate APY* Senior Rate Senior APY* Min. Deposit
3 - 5 Months Certificate .30% .30% .30% .30% $50,000
6 - 11 Months Share Certificate .30% .30% .30% .30% $50,000
12 - 23 Months Certificate .45% .45% .45% .45% $50,000
24 - 35 Months Certificate .50% .50% .50% .50% $50,000
36 - 47 Months Certificate .60% .60% .60% .60% $50,000
48 -59 Months Certificate .70% .70% .70% .70% $50,000
60 Months Certificate .80% .80% .80% .80% $50,000
Jumbo Certificate Accounts**
Term Rate APY* Senior Rate Senior APY* Min. Deposit
6-11 Months Certificate .40% .40% .40% .40% $100,000
12 - 23 Months Certificate .40% .40% .40% .40% $100,000
24 - 35 Months Certificate .55% .55% .55% .55% $100,000
36 - 47 Months Certificate .60% .60% .60% .60% $100,000
48 -59 Months Certificate .80% .80% .80% .80% $100,000
60 Months Certificate .90% .90% .90% .90% $100,000
Youth Certificate
Term Rate APY* Minimum Deposit
3 Year Certificate 1.00% 1.00% $100
4 Year Certificate  1.10% 1.11% $100
5 Year Certificate 1.20% 1.21% $100

*Annual Percentage Yield - Senior APY applies to primary members 55 years of age and older only.
**For early withdrawal on certificate accounts, certificates with a maturity of 0-12 months, penalty is 90 days of dividends. Certificates with a maturity of 13-35 months, penalty is 180 days dividends. Certificates with a maturity of 36 months and longer, penalty is 365 days dividends. The penalty is calculated as a forfeiture of past of the dividends that have been or would be earned on the account.
*** Depends on account type. NuGeneration Accounts
All Youth Certificates have a max of $3000 total deposits. Accrued interest is not included.  Please note that if there is an overage we have the right to liquidate that money into a share account.
No new add ons for any certificate, but the Youth Certificate.

These Rates are current as of the above date and are subject to change on a weekly basis. It is the intention of NuVista Federal Credit Union to pay these dividends, however, they are subject to change and cannot be guaranteed.

 
IRA Accounts**
Type Rate APY* Minimum Deposit
IRA Shares .05% .05% $0-$2,499
IRA Shares .05% .05% $2500-$9,999.99
IRA Shares .05% .05% $10,000-$49,999.99
IRA Shares .15% .15% $50,000 & up
12 Month IRA Certificates .35% .35% $2,000
24 Month IRA Certificates .55% .55% $2,000
36 Month IRA Certificates .65% .65% $2,000
48 Month IRA Certificates .75% .75% $2,000
60 Month IRA Certificates .85% .85% $2,000

*Annual Percentage Yield.
**For early withdrawal on certificate accounts, certificates with a maturity of 0-12 months, penalty is 90 days of dividends. Certificates with a maturity of 13-35 months, penalty is 180 days dividends. Certificates with a maturity of 36 months and longer, penalty is 365 days dividends. The penalty is calculated as a forfeiture of past of the dividends that have been or would be earned on the account.
No new add ons for any certificate, but the Youth Certificate.
These Rates are current as of the above date and are subject to change on a weekly basis. It is the intention of NuVista Federal Credit Union to pay these dividends, however, they are subject to change and cannot be guaranteed.

 
Visa
Type APR
Classic VISA Credit Card fixed 15.90%
 
Platinum VISA Credit Card fixed 9.90%
 
Vehicle
Loan Type APR
New & Used Autos* (5 years old and newer) as low as 3.29%
Older Used Cars* (6 to 9 years old) as low as 4.29%
Classis Used Cars+ (10 years or older) as low as 6.29%
Dirt Bikes, ATVs, Personal Watercraft** as low as 5.30%
New Street Motorcycles^ as low as 5.15%
Used Street Motorcycles^ as low as 5.30%
New Recreation Vehicles** as low as 5.30%
Used Recreation Vehicles** as low as 5.30%

*Mileage add ons for new and older uses cars: 100,000 plus mileage - 1% addon; 200,000 plus mileage - 2% addon.
New cars equals current year or less than 10k miles
 

48 month term available for all new and older used cars $10,000 & less.
72 month term available for all new and older used cars $20,000 & up with an additional 0.5% increase in interest rate.
84 month term available for all new and older used cars $30,000 & up with an additional 0.75% increase in interest rate.

Base loan to value is 100% for new and older used cars. Loan to Value Add Ons: 110% loan to value - base rate + .50% increase. 115% loan to value (FOR NEW CARS ONLY) - base rate + .75% increase.

+70% Maximum loan to value. 60 month term - base rate + 0.50%. Mileage: 100,000 plus mileage 1% addon.

^72 month term available for $20,000 & up - 1% increase in interest rate. $8,000.00 minimum for 60 month term.

**72 month term available for $20,000 & up - 1% increase in interest rate. 84 month term available for $25,000 & up - 1.5% increase in interest rate. Includes titled and non-titled collateral

 

Home
Type APR
Construction Loans as low as 6.25%
First Mortgage 5-Year Balloon as low as 4.55%
First Mortgage 7-Year Balloon as low as 5.00%
First Mortgage 10 yr* as low as 4.65%
First Mortgage 12 yr* as low as 4.85%
Second Mortgage 5 yr as low as 4.90%
Second Mortgage 6-10 yr as low as 6.20%
30 Year fixed as low as Call for info (changes frequently)
Home Equity Line of Credit variable 4.00%
Other
Type APR
Overdraft Line of Credit fixed  14.00%
Signature Loans as low as 8.00%
Share Secured   3.00% above
Certificate Secured   2.00% above
Salary Advance Loan fixed 8.00%

*You must be a Member of the Credit Union to receive a loan. 
All consumer loans are subject to a Loan Closing Fee: Collateralized $75.00, Uncollateralized $35.00

Document preparation fee of $300 on mortgages.
First mortgage loans will have a 1% origination fee.
Loans secured by vacant land - the interest rate will be 1% above the 7 year balloon rate.
Loans secured by land and unpurged mobile home titles - Interest rate will be 1% above the 7 year balloon rate.
Loans over $400,000 are subject to an increase of .50%
Rates are current as of the above date and are subject to change without notice. Contact the credit union for current rates, terms and details.
All loans subject to member qualification. Other fees may apply.
*10 & 12 year mortgages have a max lending amount of $250,000.  Closing fees vary between $300 and $800 depending on the loan.  Terms and conditions do apply.

 
 

Nuvista Federal Credit Union | Copyright © 2014
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2711 Commercial Way, Montrose, CO 81401
Phone: (970) 249-8813 or (888) 261-7488
Fax: (970) 249-8895

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