All Rates

All rates subject to change with out notice. Fees may reduce earnings on your account. 

Relationship Money Market:

* In order to earn the Relationship Money Market stated APY, you must have an active Absolute Checking® account and maintain a $1,000 average daily balance in your Relationship Money Market Account AND one of the following: more than $5,000 in qualifying direct deposits per month to your Absolute Checking® account; OR you must make eight qualifying Point of Sale, PIN, or Signature based Clearview debit card transactions per month from your Absolute Checking® account; OR you must make eight qualifying Clearview credit card transactions during the cycle date that ends during the month. If you do not meet the relationship criteria, your deposits will earn the stated APY for the Clearview Money Market. In order to avoid a monthly service fee of $10.00 per month, you must either maintain an average daily balance of at least $5,000 in your Relationship Money Market account, OR maintain an average daily balance of at least $20,000 in combined deposits in your member account.

Clearview Money Market:

* You must maintain an average daily balance of at least $1,000 in your Money Market account to earn the stated APY. In order to avoid a monthly service fee of $7.50 per month, you must maintain an average daily balance of at least $1,000 in your Clearview Money Market account.

Savings Certificates:

* APY = Annual Percentage Yield. APY offer is effective beginning March 1, 2025, and is subject to change without notice. Minimum $1,000 opening balance required. Offer valid for Business Certificates, Consumer Certificates, and Traditional IRA Certificates only. Subject to penalty for early withdrawal. Membership with Clearview is required to take advantage of this offer. Insured by NCUA.

After 7-month certificate matures, the certificate will automatically renew at the then-current 6-month certificate rate unless you indicate otherwise.

After 11-month certificate matures, the certificate will automatically renew at the then-current 12-month certificate rate unless you indicate otherwise.

** Saving Certificate APYs quoted are for dividends paid and compounded quarterly except for terms under 12 months, which are compounded at maturity. There is a penalty for early withdrawal.

IRA Certificates:

* IRA Certificate APYs quoted are for dividends paid and compounded to the certificate quarterly, except for terms under 12 months, which are 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.

Auto Loans:
*APR = Annual Percentage Rate. All rates and terms 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 from a Clearview checking account. Rates and terms are subject to restrictions, based on amount borrowed, vehicle model year, and creditworthiness. All loan approvals are subject to normal underwriting guidelines.

** $35,000 minimum loan amount.

Motorcycle/Powersport Loans:
* APR = Annual Percentage Rate. All rates are subject to change without notice. The As Low As Rates listed above for Motorcycle/Powersport Loans include a 0.25% discount for repayments made via an auto transfer from a Clearview checking account. Rates are based on the type of loan, term of loan, and your creditworthiness. All loan approvals are subject to normal underwriting guidelines.

** $40,000 minimum loan amount.

*** $60,000 minimum loan amount.

**** $35,000 minimum loan amount.

Mortgages:

The published interest rates and APRs displayed are subject to change without notice. Interest rates change frequently and your rate is not confirmed unless you lock your rate with a representative of Clearview Federal Credit Union. 
 
Rates are for the purchase or no-cash out refinance of a single family, first lien, owner-occupied property within Clearview Federal Credit Union’s lending footprint. Rates and/or fees may be assessed based on underwriting and collateral risk. Rates reflect a 60-day rate lock. Other lock period and point combinations are available. Fixed rates are based on loan amounts up to $766,550.00 with a maximum Loan to Value of 95%, and are applicable to Purchase loans as well as Rate and Term Refinances of Single-family homes. 
 
* The annual percentage rate (APR) displayed assumes a loan amount of $250,000, 20% down payment and 30 days prepaid interest. You will incur additional closing costs.  Prepaid finance charges, which are used in the calculation of the APR are estimated to be $2914 (these include flood determination, origination charge, closing protection letter and settlement fee). The annual percentage rates (APR) does not include private mortgage insurance because the amount will vary depending upon your loan to value and other factors. Please contact the Real Estate Department at [email protected] to learn how private mortgage insurance will affect your loan and other closing costs.

Home Equity: 

*APR = Annual Percentage Rate. All rates are subject to change without notice. Loan must be secured by primary residence, which must be owner-occupied. All loan approvals are subject to normal underwriting guidelines. The consumer should consult a tax adviser for further information regarding the deductibility of interest and charges. Home Equity Loans, Lines of Credit, and First Mortgages are available in all states except Alaska, Hawaii, and Texas.

**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.

***The variable rate will be indexed as low as Prime Rate minus 0.75%, based on creditworthiness and loan-to-value, with a floor of 2.99% APR. The maximum variable rate that may be imposed is 18%. Variable rate includes 0.25% discount if you have an active Absolute Checking^® account. Discount not available on the interest only product. 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 and effective on the first day of the same month. Minimum credit limit is $10,000.

Credit Cards:

Variable Rate Information: All APRs may vary. Your APR is 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 periodic review of your credit and/or 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.

Balance Transfer Information: There is no grace period for balance transfers. If you transfer a balance and also make purchases, if you do not pay your entire balance in full at the end of the first billing cycle, you may lose your grace period for new purchases.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Please Note: The information about the costs of the cards described in this application is accurate as of March 1, 2025. This information may have changed after that date. To find out what may have changed, call us at 1-800-926-0003 or visit our website at clearviewfcu.org.

Rates, Fees and Terms May Change: The account terms (including APR) are subject to change in accordance with your account agreement and applicable law.

Consumer Loans:

* APY = Annual Percentage Yield. All rates are subject to change without notice.

** 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. The As Low As Rates listed above for Signature Loans include a 0.25% discount for repayments made via an auto transfer from a Clearview checking account.