Rates
Higher Rates. Better Savings. Learn More.

Checking Account Rates

Checking rates effective as of October 1, 2018 .

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.

Savings Rates

Rates effective as of September 30, 2018 .
Rates effective as of October 1, 2018 .

You can also earn higher rates based on your relationship. Call 1-800-926-0003 to learn more.

* APY = Annual Percentage Yield.
** Promotional Rate will revert to standard rate after 6 months. Dividends will be paid monthly provided you maintain an average daily balance of $1,000. A monthly fee of $7.50 will be applied if $1,000 average daily balance is not met. Please see our Rate and Fee Schedule for more information.
*** Dividends will be paid monthly provided you maintain an average daily balance of $1,000. A monthly fee of $7.50 will be applied if $1,000 average daily balance is not met. Please see our Rate and Fee Schedule for more information.

Savings and IRA Certificate Rates

Savings rates effective as of October 17, 2018 .

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.
     

Auto Loan Rates

Auto rates effective as of August 1, 2018 .

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 from a Clearview checking account. Rates are based on the type of loan, term of loan and your credit worthiness. All loan approvals are subject to normal underwriting guidelines.

Motorcycle/Powersport Loan Rates

Auto rates effective as of February 1, 2017 .

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, via an auto transfer from a Clearview checking account. Rates are based on the type of loan, term of loan and your credit worthiness. All loan approvals are subject to normal underwriting guidelines.

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 July 29, 2018.
Interest Rates & Interest Charges
  Elite Rewards Visa Signature Card (Variable Rate) Visa Platinum, Student and Secured Card (Variable Rate)
Annual Percentage Rate(APR) for Purchases 13.65% - 18.00% APR1
This APR will vary with the market based on the Prime Rate and is based on your creditworthiness.
10.99% - 18.00% APR1
This APR will vary with the market based on the Prime Rate and is based on your creditworthiness.
APR for Purchases Promotional Rate - First 9 Months After New Account is Opened 0% APR2 on purchases made within the first 9 billing cycles of a new Elite Rewards Visa Signature account being opened. After that your APR will be at your regular standard APR. Offer not applicable.
APR for Cash Advances 13.65% - 18.00% APR1 based on your creditworthiness at the time you establish your account. Your APR will vary with the market based on the Prime Rate. 10.99% - 18.00% 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 Consumer Financial Protection Bureau 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
  • None
  • Cash Advance
  • 3% of the amount of each cash advance made at Financial Institutions & ATMs
  • Foreign Transaction including Purchases
    Cash Advances & Credits
  • 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
  • Up to $35 for each payment that is one (1) or more days late
  • Returned Payment
  • 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.

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.

Military Rate Discount: If you are scheduled to be deployed please contact us at 1-800-926-0003 for rate adjustment.

Please Note: The information about the costs of the cards described in this application is accurate as of 7/29/18. 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. 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. All cash advances and balance transfers will accrue interest from the day the advance or transfer was made. 

2  APR = Annual Percentage Rate. Payments to your Visa will be posted according to applicable laws. Purchases may not exceed your available credit. In order to qualify for the 0% APR, the Visa credit card must be a newly opened Elite Rewards Visa Signature account. The 0% APR on purchases will be in effect for the first nine billing cycles after the account is opened, after which the rate will then revert to your regular standard APR. Rate is subject to change without notice. Offer may be extended, modified or discontinued at any time. Clearview Platinum, Student, Secured, Business Visa and Home Equity Visa cards are excluded. All loan approvals are subject to normal underwriting guidelines and may require a co-signer. You must be at least 18 years old to apply.

Consumer Loans

Secured Savings and Secured Certificate rates effective as of July 1, 2017 .

 

Other Loan rates effective as of October 1, 2018 .

** 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 effective as of October 1, 2018 .
For your convenience, estimate your mortgage payments!

First Mortgage Loans

For information on First Mortgage rates simply call us at 1-800-926-0003, option 3.

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.