Current Rates
Rates last updated: January 28, 2026
Rates shown are "As Low As" rates for qualified borrowers.
Certificate Account Rates
Rates effective 1/28/2026
Rates shown are "As Low As" rates for qualified borrowers.
Share Certificate Account Rates
| Term | Rate | APY* | Min. Deposit |
|---|---|---|---|
| 6 Month Certificate | 3.49% | 3.55% | $500 |
| 12 Month Certificate | 3.29% | 3.34% | $500 |
| 24 Month Certificate | 2.00% | 2.02% | $500 |
| 36 Month Certificate | 2.25% | 2.27% | $500 |
| 48 Month Certificate | 2.50% | 2.53% | $500 |
| 60 Month Certificate | 2.75% | 2.78% | $500 |
High Balance Share Certificate Accounts**
| Term | Rate | APY* | Min. Deposit |
|---|---|---|---|
| 6 Month Certificate | 3.49% | 3.55% | $50,000 |
| 12 Month Certificate | 3.29% | 3.34% | $50,000 |
| 24 Month Certificate | 2.25% | 2.27% | $50,000 |
| 36 Month Certificate | 2.25% | 2.27% | $50,000 |
| 48 Month Certificate | 2.50% | 2.53% | $50,000 |
| 60 Month Certificate | 2.75% | 2.78% | $50,000 |
Youth Share Certificate Account Rates***
| Term | Rate | APY* | Min. Deposit |
|---|---|---|---|
| 12 Month DREAM Certificate**** | 5.00%**** | 5.12%**** | $100 |
| 3 Year Certificate | 1.75% | 1.76% | $100 |
| 4 Year Certificate | 1.55% | 1.56% | $100 |
| 5 Year Certificate | 1.50% | 1.51% | $100 |
Early Withdrawal Penalties
Certificates with a maturity of 12 months or less: Penalty is 90 days of dividends.
Certificates with a maturity of 13-35 months: Penalty is 180 days of dividends.
Certificates with a maturity of 36 months or longer: Penalty is 365 days of dividends.
The penalty is calculated as a forfeiture of the dividends that have been or would be earned on the account.
*APY = Annual Percentage Yield
**For early withdrawals on Share Certificate Accounts: See penalty information above.
***Youth Share Certificates are add-on Certificates, so deposits can be made to them.
****The DREAM Certificate Rate Structure - Tiered rates depending on your daily balance: Up to $1,000.00 earns the current DREAM Certificate Rate, the amounts of $1,000.01 and over will earn the current rate of a 12-Month Certificate.
IRA Account Rates
Rates effective 1/28/2026
Rates shown are "As Low As" rates for qualified borrowers.
Traditional & ROTH
| Type | Rate | APY* | Min. Deposit |
|---|---|---|---|
| IRA Shares | 0.10% | 0.10% | $0 |
| HSA Checking | 0.10% | 0.10% | $500 |
| 12 Month IRA Certificates | 3.29% | 3.34% | $2,000 |
| 24 Month IRA Certificates | 2.00% | 2.02% | $2,000 |
| 36 Month IRA Certificates | 2.25% | 2.27% | $2,000 |
| 48 Month IRA Certificates | 2.50% | 2.53% | $2,000 |
| 60 Month IRA Certificates | 2.75% | 2.78% | $2,000 |
Early Withdrawal Penalties for IRA Certificates
IRA Certificates with a maturity of 12 months or less: Penalty is 90 days of dividends.
IRA Certificates with a maturity of 13-35 months: Penalty is 180 days of dividends.
IRA Certificates with a maturity of 36 months or longer: Penalty is 365 days of dividends.
The penalty is calculated as a forfeiture of the dividends that have been or would be earned on the account.
IRA Certificates are not allowed any add-ons; a new Certificate would need to be opened.
*APY = Annual Percentage Yield
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.
Loan Rates
Rates effective 11/20/2025
Rates shown are "As Low As" rates for qualified borrowers.
Visa Credit Cards
| Type | APR* |
|---|---|
| Classic VISA Credit Card | 17.90% |
| Platinum VISA Credit Card | 11.90% |
Vehicle Loans
| Loan Type | APR* |
|---|---|
| New Cars | 5.54% |
| Used Cars (5 years old and newer) | 5.64% |
| Older Used Cars (6 to 9 years old) | 6.99% |
| Classic Used Cars (10 years or older) | 8.04% |
| New Street Motorcycles | 7.40% |
| Used Street Motorcycles | 7.84% |
| New Recreation Vehicles | 7.55% |
| Used Recreation Vehicles | 7.65% |
Business Loans
| Type | APR* |
|---|---|
| Business Loans | Call for current rates |
| Construction Loans | Call for current rates |
Home Loans
| Type | APR* |
|---|---|
| First Mortgage - 5 Year Balloon | Call for current rates |
| First Mortgage - 10, 15, 20, 30 Year Fixed | Call for current rates |
| Home Equity Line of Credit | Call for current rates |
| Land Loans | Call for current rates |
| Second Mortgage - 5 Year Balloon | Call for current rates |
| Second Mortgage - 10 Year Fixed | Call for current rates |
Other Loans
| Type | APR* |
|---|---|
| Overdraft Line of Credit | 16.00% |
| Signature Loans | 10.49% |
| Share Secured** | 3.00% Above current dividend rate |
| Certificate Secured** | 2.00% Above current dividend rate |
*APR = Annual Percentage Rate. Rates shown are "As Low As" rates for qualified borrowers. Your actual rate will depend on your credit history, income, loan amount, and other factors.
**Certificate and Share Secured Loans: Rates are a percentage above the current dividend rate rounded to the nearest 1/4%.
Rates effective 8/29/2023. 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 are subject to Member qualification. Other fees may apply.
You must be a Member of the Credit Union to receive any of the loans listed above.
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