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Rates

All payments below based on borrowing of $1,000.00 borrowed for full term. 

Unsecured Loan Rates

Term

APR*

   Payment         

  36 Months or Less     9.00%

$31.37 

  48 Months 9.50%

$24.93 

10,000 and up 60 Months 10.00%

 $21.07

*APR = Annual Percentage Rate

Rates quoted above do not require payroll deduction or electronic payment. For payroll deduction or electronic payment subtract .25% from these rates. Rates subject to change. Rates are effective as of January 27, 2004. Member must maintain $50 balance in share account.

New Vehicle Rates

Term

APR*

Payment

72 Months 6.10%

 $16.54

60 Months 5.85%

 $19.17

54 Months 5.60%

 $20.90

48 Months 5.35%

$23.09 

 *APR = Annual Percentage Rate
Rates quoted above do not require payroll deduction or electronic payment. For payroll deduction or electronic payment subtract .25% from these rates. Rates subject to change. Rates effective as of January 27, 2004. Member must maintain $50 balance in share account.


Used Vehicle Rate

Year of Model

Term

APR*

 Payment       

2018-2015 60 Months or Less 6.35%

 $19.39

2014-2013 54 Months or Less 6.35%

 $21.23

2012-2011 48 Months or Less  6.35%

 $23.52

*APR = Annual Percentage Rate

Rates quoted above do not require payroll deduction or electronic payment. For payroll deduction or electronic payment subtract .25% from these rates. Rates subject to change. Rates effective as of September 26,2016. Member must maintain $50 balance in share account.

Share Accounts
The Following are the dividend rates and annual percentage yield paid on share accounts as of January 28, 2013:

$50.00 to $2,999.99

0.10%

APY 0.10%
$3,000.00 to $9,999.99     0.15% APY 0.15%
$10,000.00 and up 0.20% APY 0.20%

Rates are variable, in which are declared and paid monthly.An application for membership may be obtained from the credit union office. Along with a properly filled in application and signature card, a membership fee of $2.00 and a $50.00 (one share) deposit are required to open an account. The minimum balance of $50.00 and some kind of activity over 3 years must be kept in order to keep the account open. Any person you designate may become a joint owner on your account. Joint ownership does not automatically confer credit union membership.  Federally insured by NCUA.  Accounts that are over 36 months dormant will be charged a 25% dormant fee, before sent to the State.

Share Certificates
Rates for Share Certificates are as follows as of May 31, 2017:

Term

APY*

6 Month .45%
1 year .55%
2Year 1.00%

The minimum investment in a certificate is $1,000. Dividends are paid monthly to share account. Rates subject to change. Early withdrawal of certificate may be subject to a penalty.Allegheny Valley Federal Credit Union is federally insured by the National Credit Union Administration. 
*Annual Percentage Yield

Home Equity Loans

Term

APR*

Payments

5 Year 6.00%

$19.24

10 year 6.50%

$11.29


Rates quoted above do not require payroll deduction or electronic payment. For payroll deduction or electronic payment subtract .25% from these rates. Rates subject to change. Rates effective as of July 1, 2006. Member must maintain $50 balance in share account.  All Home Equity Loans are fixed rates and closed-end.   *Annual Percentage Yield

 Used Recreational Vehicle Rates

Term

APR*

Payment

108 Months or Less 8.00%

$12.93 

Rate quoted above does not require payroll deduction or electronic payment. For payroll deduction or electronic payment subtract .25% from this rate. Rate subject to change. Rates effective as of January 27, 2004. Member must maintain a $50 balance in share account.
*Annual Percentage Rate.

  Share Secured Rates 

Term

APR*

Payment

61 Months to 120 Months 3.00%

 $9.63

60 Months or Less 2.00%

$17.50

 Rates quoted above do not require payroll deduction or electronic payment. For payroll deduction or electronic payment subtract .25% from these rates. Rates subject to change. Rates effective as of July 29, 2014. Member must maintain a $50 balance in share account.
*Annual Percentage Rate.

 New Recreational Vehicle Rates

Term

APR*

Payment

61 Months to 120 Months 7.50%

 $11.80

60 Months or Less 7.00%

 $19.69

Rates quoted above do not require payroll deduction or electronic payment. For payroll deduction or electronic payment subtract .25% from these rates. Rates subject to change. Rates effective as of January 27, 2004. Member must maintain a $50 balance in share account.
*Annual Percentage Rate.

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