Rates
Rates effective 12/26/2023 - rates are subject to change
Regular Shares
$101.00 and over – .05% APY**
Dividends are posted to regular share accounts on a quarterly basis with a day-in, day-out effect. Dividends are subject to change and could be affected by the need to fund regular reserves.
Share Certificates – Including IRAs
All certificates have a dividend penalty for early withdrawal of principal. (6-month Certificates are presently not available in the IRA program.)
*APR= Annual Percentage Rate
**APY = Annual Percentage Yield
Rates subject to change. Available for a limited time only.
10 MONTH SHARE CERTIFICATE SPECIAL: 4.90% APR, 4.99% APY. MUST BE 10K NEW MONEY.*
13 MONTH SHARE CERTIFICATE SPECIAL: 4.55% APR, 4.63% APY. MUST BE 10K NEW MONEY.*
*NEW MONEY= MONEY NOT ON DEPOSIT AT TRI VALLEY SERVICE FCU AS OF 3/29/2024.
| Term | Minimum | Rates |
|---|---|---|
| 6 months | $500.00 | 1.10 % APR* – 1.11% APY** |
| 12 months | $500.00 | 2.30% APR* – 2.32% APY** |
| 18 months | $500.00 | 2.60 % APR* – 2.63% APY** |
| 24 months | $500.00 | 2.75% APR* – 2.78% APY** |
| 36 months | $500.00 | 3.05% APR* – 3.09% APY** |
| 48 months | $500.00 | 3.05% APR* – 3.09% APY** |
| 60 months | $500.00 | 3.30% APR* – 3.34% APY** |
Youth Share Certificates
| Term | Minimum | Rates |
|---|---|---|
| 12 months | $100.00 - MAX. $2,500.00 | .30% APR* |
IRA’S
| Term | Rates |
|---|---|
| IRA’s dividends are posted quarterly | .10% APY** |
Christmas and Vacation Club
| Minimum Required For Dividends | Rates |
|---|---|
| $25.00 | .10% APR* – Posted Quarterly (Christmas Club funds available October 15) |
Loans
***VISA credit cards as low as 8.99% APR, the 25-Day grace period on purchases, no annual fee***
| Loan Type | Loan Description | Approximate Terms | Annual Percentage Rate* |
|---|---|---|---|
| New Auto Loan | 2022-2024 | 60 Months | As low as 7.25% |
| Used Auto Loan | 2021 & Newer | 60 Months | As low as 7.30% |
| Used Auto Loan | 2019-2020 | 48 Months | As low as 8.40% |
| Used Auto Loan | 2018 - Older | 48 Months | As low as 9.15% |
| New Motorcycle Loan | 5 Years | As low as 8.25% | |
| Used Motorcycle Loan | 5 Years | As low as 8.40% | |
| Home Equity 1st lien | 5 Years | As low as 7.45% | |
| Home Equity 1st lien | 7 Years | As low as 7.50% | |
| Home Equity 1st lien | 10 Years | As low as 7.55% | |
| Home Equity 1st lien | 15 Years | As low as 7.60% | |
| Home Equity 1st lien | 20 Years | As low as 7.65% | |
| Home Equity 2nd lien | 5 Years | As low as 9.45% | |
| Home Equity 2nd lien | 7 Years | As low as 9.50% | |
| Home Equity 2nd lien | 10 Years | As low as 9.55% | |
| Home Equity 2nd lien | 15 Years | As low as 9.60% | |
| Home Equity 2nd lien | 20 Years | As low as 9.65% | |
| Personal Loan – unsecured | 36 Months | 9.60% APR | |
| Personal Loan – unsecured | 60 Months | 10.40% APR | |
| Personal Loan – Shared Secured | 36 Months | 4.20% APR | |
| Personal Loan – Shared Secured | 60 Months | 5.20% APR |