Credit Union Of Vermont

Loan & Savings Rates

Your Credit Union offers great rates on all Loan and Savings products. Savings rates are stated as Annual Percentage Yield (APY). On certificates, a penalty may be imposed for early withdrawal. Fees may reduce earnings. Loan rates are stated as Annual Percentage Rate (APR). Your savings are federally insured to $250,000 by the National Credit Union Administration, NCUA, a U.S. Government Agency. Rates are subject to change without notice.

Please contact our Loan Offices if you have questions regarding our loan programs or would like assistance in planning your loan options.

• Vehicle Loan Rates
• Home Equity Loan Rates  We now offer fixed-rate mortgages! 
• Credit Card Rates
• Share Savings Rates
• Certificate Savings Rates
• Other Loan Rates

All rates effective May 1, 2010.

Vehicle Loan Rates

New or Used Titled Vehicles

Includes titled cars, trucks, motorcycles, boats, ATVs, Campers, and RVs

Repayment Term	APR
Up to 24 months	as low as 3.99%
Up to 36 months	as low as 4.49%
Up to 48 months	as low as 5.09%
Up to 60 months	as low as 5.59%
Up to 72 months	as low as 5.99%
Up to 84 months	as low as 6.99%
Less than $10,000	as low as 5.99%

Other loan types are available for you - please ask! Base loan rates are shown. Your final rate will be determined by your credit score. Some limits on available loan terms may apply. Please ask our Loan Officers.

Other New or Used Vehicles

Includes non-titled ATVs, snowmobiles, personal watercraft, tractors, untitled motorcycles, untitled boats, untitled cars and trucks, untitled campers

Repayment Term	APR
Up to 60 months	as low as 6.99%

Base loan rates are shown. Your final rate will be determined by your credit score.

New or Used RVs and Boats (Long Term)

Additional rates for longer-term loans

Repayment Term	APR
Up to 72 months	same as titled vehicle loans above
Up to 120 months	as low as 9.50%
Up to 180 months	as low as Prime + 2.00%

Base loan rates are shown. Your final rate will be determined by your credit score.

Home Equity Loan Rates

Fixed Rate Home Equity Mortgages

Completed within 2 weeks in most cases!

Repayment Term	APR
60 months	5.00%
120 months	5.00%
180 months	6.00%

No Points! No Closing Costs!**

Home Equity Loans

Credit lines of up to 90% of the value of your home are available.

Details	APR
For 6 Months	As low as 2.95%*
After 6 Months	As low as Wall Street Journal Prime + 0%*

No Points! No Closing Costs!**

* Final margin and rate are determined by your credit score.
  Minimum HELOC rate is otherwise 4.0%

** Subject to some restrictions.

Credit Card Rates

VISA

Details	APR
Purchases and cash advances	Fixed Rate 10.90%
Balance transfers*	6.99%

*Lower rate will be in effect for the lifetime of the balance transferred.

No Annual Fee, No Cash Advance Fee

Other Loan Rates

Share Secured Loans

Details	APR
Secured by share savings, term certificate, or money market account. IRAs may not secure a loan.	Rate earned + 2.50%

Signature Loans

$10,000 Maximum aggregate unsecured limit

Repayment Term	APR
36 months	as low as 9.90%
48 months	as low as 11.90%

Base loan rates are shown. Your final rate will be determined by your credit score.

Share Savings Rates

Standard Shares

Account Type	APY
Regular Shares (Savings)	0.35%
Free* Share Draft (Checking)	N/A
Club Shares	0.35%

*There are no monthly or per-check charges, but members must buy their own checks.

"Clearly Superior" Money Market Accounts

Minimum Invested	APY
$2,500	0.40%
$10,000	0.55%
$25,000	0.60%
$50,000	0.80%

Certificate Savings Rates

IRA Certificates

Term	Minimum Invested	APY
6 month	$1,000	0.70%
12 month	$1,000	1.00%
24 month	$1,000	1.40%
36 month	$1,000	1.75%
48 month	$1,000	2.00%

Term Certificates

Term	Minimum Invested	APY
6 month	$1,000	0.70%
6 month	$20,000	0.70%
12 month	$1,000	1.00%
12 month	$20,000	1.00%
24 month	$1,000	1.40%
24 month	$20,000	1.40%
36 month	$1,000	1.75%
36 month	$20,000	1.75%
48 month	$1,000	2.00%
48 month	$20,000	2.00%

We're sorry, but due to the tremendous growth of term certificates, new term certificate deposits are not available at this time.