Rate & Fee Schedule

The rates and terms applicable to your account at Capitol View Credit Union are provided in this rate and fee schedule, below.

Dividends for all accounts listed below are compounded and credited quarterly. Dividend periods for all accounts are calendar quarters. Capitol View uses the Average Daily Balance Method for computing account balances.

Current Rates

Rates are as of September 19, 2017 and are subject to change. APR = Annual Percentage Rate.

All rates listed are our best rates and may vary based on creditworthiness and other factors. Capitol View uses TransUnion for credit reporting information.

To view a copy of your credit report visit www.annualcreditreport.com

Savings Account Rates

Savings Accounts (S1, S4 Types)
Average Daily BalanceRateAPY
$100 – < $5,0000.10%0.10%
$5,000 – < $10,0000.15%0.10% – 0.15%
$10,000 or Higher 0.20%0.10% – 0.20%

Checking Account Rates

Checking Accounts (S5 Types)
Average Daily BalanceRateAPY
$2,000 and above0.05%0.05%

Certificate of Deposit Rates

Certificate of Deposit Rates
*IRA CDs are also available at these current rates.
TermMinimum BalanceRateAPY
1 Year*$2,5000.40%0.40%
1 Year*$10,0000.70%0.70%
2 Years*$2,5000.50%0.50%
2 Years*$10,0001.15%1.16%
13 Month Jumbo CD$25,0001.30%1.31%
21 Month Jumbo CD$25,0001.65%1.66%
3 Years*$2,5000.60%0.60%
3 Years*$10,0001.45%1.46%
5 Years*$2,5000.70%0.70%
5 Years*$10,0002.00%2.02%

Money Market Rates

Money Market Rates
Average Daily BalanceRateAPY
$1,000 - <$20,0000.15%0.15%
$20,000 - <$50,0000.40%0.40%
$50,000 - < $100,0000.50%0.50%
$100,000 or higher0.80%0.80%

IRA Rates

IRA Account Rates
Traditional, Roth, & Education IRAs
Average Daily BalanceRateAPY
$100 or higher0.75%0.75%

MasterCard Rates (Variable)

Variable RateAPR
Classic MasterCard13.00%13.00%
Gold MasterCard9.00%9.00%

Value Loans (No Collateral)

Value Loans (No Collateral)
TermMinimumRegular RateLoyalty Rate*
Up to 36 Months$5,000.007.54%7.29%
Up to 48 Months$5,000.008.54%8.29%
Up to 60 Months$5,000.009.54%9.29%

ValuePLUS Loans (Collateral Required)

ValuePLUS Loans (Collateral Required)
See Vehicle Loan Rates
https://www.capview.com/vehicle-loans/

Lifesaver Loans

Lifesaver Loans (No Collateral)
TermMinimumRegular RateLoyalty Rate*
Up to 24 Months$50012.00%11.75%
Up to 36 Months$50013.00%12.75%

Share-Backed Loans

Share-Backed Loans
TermMinimumRegular RateLoyalty Rate*
Up to 24 Months$5003.00%2.75%

Vehicle Loan Rates

New Vehicle Loans (2014 and Newer)
TermRegular RateLoyalty Rate*
Up to 36 Months2.24%1.99%
Up to 60 Months3.00%2.75%
Up to 72 Months3.54%3.29%
2011 – 2013 Used Vehicle Loans
TermRegular RateLoyalty Rate*
Up to 60 Months3.65%3.40%
Up to 66 Months4.30%4.05%
Up to 72 Months4.95%4.70%
2009 – 2010 Used Vehicle Loans
TermRegular RateLoyalty Rate*
Up to 48 Months5.60%5.35%
Up to 60 Months6.00%5.75%
2008 and Older Used Vehicle Loans
TermRegular RateLoyalty Rate*
Up to 36 Months6.80%6.55%

Home Equity Loans (Fixed Rate)

Home Equity Loan (Fixed Rate)
TermRegular RateLoyalty Rate*
60 Months – 85% LTV3.65%3.40%
120 Months – 85% LTV4.15%3.90%
180 Months – 85% LTV5.00%4.75%
180 Months – 60% LTV4.00%3.75%
LTV = “Loan-To-Value” Ratio
Add 2% for LTV above 85%

Home Equity Lines of Credit (Variable Rate)

Home Equity Line of Credit (Variable Rate)
Term Rate
Up to 80% LTV3.75%
LTV = “Loan-To-Value” Ratio

*Loyalty Rates:
Members who enroll in direct deposit of their full paycheck and a setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts.

Fee Schedule

Savings
Closing Account Open Less Than Six Months$15.00
Overdraft Transfer to Checking for ACH3 Free/mo.
$4.00* ea.
Inactive Fee
Inactive Fee ONLY applies to members 21 and older, with a share savings balance below $200, AND no other services.
$5.00/mo.
(*) These items are subject to 6% state sales tax.
Checking
Balance Checkbook$25.00*/hr.
Check Copy Fee$3.00* ea.
NSF Honored Items$28.00 ea.
NSF Returned Items$28.00 ea.
Overdraft transfer from Savings for a draft3 Free/mo.
$4.00* ea.
Stop Payment
Per Item / Block of Checks
$15.00 ea.
Temporary Checks$1.50*
Sheets of 3
ATIRA Gift Card$3.00 ea.
(*) These items are subject to 6% state sales tax.
Debit Cards & ATM Cards
ATM Cash Withdrawals or Inquiries5 Free/mo.
$1.00* ea.
DepositsNo Charge
Copy of a Sales Draft$10.00 ea.
Point of Sale TransactionNo Charge
Replace Lost, Stolen, or Damaged Card
Rush New Plastic
Same-Day Rush New Plastic
$5.00* ea.
$40.00
$75.00
(*) These items are subject to 6% state sales tax.
Visa Reloadable Cards
To Open a Visa Reload Card$5.95 ea.
Account Maintenance
(Waived with Direct Deposit)
$2.95/mo.
Operator Assisted Phone Inquiry$1.50 ea.
ATM Withdrawal - U.S.
1 Free/mo.
$1.00 ea.
ATM Withdrawal - International$2.00 ea.
ATM Balance Inquiry$1.00 ea.
ATM Decline - U.S.
ATM Decline - International
$1.50 ea.
$5.00 ea.
Foreign Exchange Processing1%
Replace Lost, Stolen, or Damaged Card$15.00 ea.
Secondary Card$10.00 ea.
Rush Card - Overnight Shipping$25.00 ea.
PIN Change$0.25 ea.
Cash Advance$2.00 ea.
Unload Value$10.00 ea.
Paper Statement$1.00 ea.
MasterCards
Annual FeeNone
Balance TransfersNo Charge
Cash Advances3%
Late Fee$15.00
Over Limit Fee$15.00
Return Check Fee$25.00
Sales Draft Copy Fee$10.00* ea.
Statement Copy Fee$5.50* ea.
Replace Lost, Stolen, or Damaged Card$5.00* ea.
(*) These items are subject to 6% state sales tax.
General Services
Account Research$20.00*/hr.
Amortization Schedule$2.00* ea.
Bad Address Fee$5.00 ea.
Cashiers Check$3.00 ea.
Coin Deposits (Over $500)1%
Check Collection$25.00 ea.
Current Transaction Summary$1.00* ea.
Copy of Past Statement$4.00* ea.
Empty ATM Deposit Envelope Fee$25.00 ea.
Extra Copies of 1099/1098$4.00* ea.
Fax
Local
Long Distance

$2 + $1/pg.
$4 + $1/pg.
IRA Closure Before Age 59.5 Years Old$25.00
Garnishments / Levies$25.00
Money Orders$2.00 ea.
New Vehicle Price Guide$5.00 ea.
Return Deposit Item$10.00 ea.
Wire Transfers
Sending Domestic
Sending International

$15.00 ea.
$30.00 ea.
(*) These items are subject to 6% state sales tax.

Senior Class Benefits:

Members age 60 and older who have maintained a minimum Share Savings balance of $2,000 over the past 60 days are eligible for the following product discounts:

  • Free Checks (Shipping and Tax not included. Limited to single, standard box.)
  • Free Money Orders
  • Free Notary Service
  • Free Financial Counseling