Clearview Federal Credit Union

 

Products Products

Savings rates effective as of July 1, 2014 .
Certificate rates effective as of July 23, 2014 .
Last Dividend Declaration Date as of June 30, 2014 .

Current Savings Rates

Savings Rates


Savings and IRA Certificate Rates


Jumbo Certificates are available at various rates and terms. For current rate and disclosure information, contact Clearview at 1-800-926-0003.

1
Saving Certificate APYs quoted are for dividends paid and compounded quarterly. There is a penalty for early withdrawal.
2 IRA Certificate APYs quoted are for dividends paid and compounded to the certificate quarterly, except for a 6 month certificate, which is compounded at maturity and credited back to the Certificate. You can have the dividend on a Traditional IRA paid monthly into any savings account or by check if you are over the age of 59 1/2. There is a penalty for early withdrawal.
 

Checking Account Rates

Checking rates effective as of July 1, 2014 .

Rates and yields are in effect as of above date. For a copy of the current rates or disclosure, contact Clearview at 1-800-926-0003 long distance.

* APY = Annual Percentage Yield.

Loan Rates

Rates effective as of April 1, 2014 .

Vehicle Loan Rates



APR = Annual Percentage Rate. All rates are subject to change without notice. The As Low As Rates listed above for Vehicle Loans include a 0.25% discount for repayments made via an auto transfer, payroll deduction or Pre-Authorized Debit Origination from another financial institution. Rates are based on the type of loan, term of loan and your credit worthiness. All loan approvals are subject to normal underwriting guidelines.

Consumer Loan Rates

** APR = Annual Percentage Rate. All rates are subject to change without notice. Rates are based on the type of loan, term of loan and your credit worthiness. All loan approvals are subject to normal underwriting guidelines.
 

Real Estate Rates

Rates effective as of July 23, 2014 .
For your convenience, estimate your mortgage payments!

 

First Mortgage Loans


Land Loans


Home Equity Loans


 

* APR = Annual Percentage Rate. All rates are subject to change without notice.
**

APR = Annual Percentage Rate. Rates are based on the loan-to-value, term of loan and creditworthiness. Home Equity Rates listed are based on an 80% loan-to-value. Other rates and terms are available. All loan approvals are subject to normal underwriting guidelines. An additional .25% APR will be added to the loan rate when repayment is through the use of a coupon book. All rates are subject to change without notice. Rates effective as of February 4, 2013.

*** APR = Annual Percentage Rate. Rate discount is based on a six month fixed term with $10,000 in new funds, at 80% loan-to-value. The introductory rate will be locked in for six months from closing date. After six months, the APR will be indexed to the Prime Rate -0.26% with a minimum 2.99% APR. The index used to determine the APR will be the Prime Rate found in the Money Rates Section of the Wall Street Journal published on the first working day of the month. The APR will then be adjusted on the first of the following month. Minimum credit limit is $10,000. Rates effective as of February 4, 2013. Other rates and terms are available. All rates are subject to change without notice. All loan approvals are subject to normal underwriting procedures. Loan must be secured by primary residence, which must be owner-occupied.

 

Visa® Credit Card Rates

See the table below for important disclosures and information for our most popular Visa credit card options.
Rates are effective as of May 1, 2014. 
 
Interest Rates & Interest Charges
 
     Visa Platinum Rewards Card
(Variable Rate)
    Visa Platinum, Student and Secured Card (Variable Rate)
Annual Percentage Rate(APR) for Purchases
    10.24% - 17.99%APR1
    This APR will vary with the market
based on the Prime Rate and is based on your creditworthiness.
 
    9.24% - 17.49%APR1
    This APR will vary with the market based on the Prime Rate and is based on your creditworthiness.
APR for Cash Advances
    10.24% - 17.99% APR1 based on your creditworthiness at the time you establish your account. Your APR will vary with the market based on the Prime Rate.
    9.24% - 17.49% APR1 based on your creditworthiness at the time you establish your account. Your APR will vary with the market based on the Prime Rate.

 
 
 
 
Penalty APR

·  None

How to Avoid Paying Interest
on Purchases
   Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
 
For Credit Card Tips from the Federal Reserve Board
 
    To learn more about factors to consider when applying for or using a credit card, visit the website
of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Fees
 
Annual Fee
·   None
Transaction Fees
·   Balance Transfer
·   Cash Advance
·   Convenience Check
·   Foreign Transaction including Purchases, Cash Advances & Credits
 
·   3% of amount borrowed or $10, whichever is greater
·   3% of the amount of each cash advance made at Financial Institutions & ATMs
·   3% of amount borrowed or $10, whichever is greater
·   2% of the transaction amount in US Dollars
2% of each U.S. Dollar transaction that occurs in a foreign country
Penalty Fees
·   Late Payment
·   Returned Payment
·   Up to $35 for each payment that is one (1) or more days late
·   Up to $35

  
Variable Rate Information: All APRs may vary. They are determined by adding a margin to the Prime Rate (as published in the Money Rates section of the Wall Street Journal on the last business day of the month) on all purchases, cash advances and balance transfers. This margin is determined by your creditworthiness. Rate may change based on a review of your credit and changes to the Prime Rate.
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for details.
Military Rate Discount: Visa cardholders enrolled in the Military Appreciation Checking account will receive a 1% discount on the current Annual Percentage Rate (APR). This rate is subject to change. The reduction in APR will remain in effect as long as you retain a Military Appreciation Checking account. The APR will increase by 1% at the time the Military Appreciation Checking account is closed.
Please Note: The information about the costs of the cards described in this application is accurate as of 9/1/14. This information may have changed after that date. To find out what may have changed, call us at 1-800-926-0003, visit our website at www.clearviewfcu.org or write us at: Clearview Federal Credit Union, Attn: Visa Department, 8805 University Blvd., Moon Township, PA 15108.
Rates, Fees and Terms May Change: We have the right to change the account terms (including APR) in accordance with your
Cardmember Agreement.

 1 APR = Annual Percentage Rate. The index to determine the APR will be the Prime Rate found in the Money Rates section of the "Wall Street Journal" in effect on the last day of the month. Changes in the index will cause changes in the APR on the first day of the billing cycle immediately following any such change in the index. The APR is determined by adding a margin based on your creditworthiness to the index. Rate may change based on a review of your credit. All cash advances and balance transfers will accrue interest from the day the advance or transfer was made. 

 

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
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