Rates

Auto Loans

New & Used AutosAPR*Max. Term
2005 and Newer2.99%*66 months
2005 and Newer3.49%*75 months
2005 and Newer4.74%*84 months

*APR = Annual Percentage Rate
* APR listed is the lowest possible Annual Percentage Rate for qualified borrowers. Rate may change dependent upon credit qualifications. All rates are subject to change daily. Click here for disclosure information.
* Borrower must have approved credit and limitations may apply. Please consult with a BVCU Loan Officer for more information.

Used Autos & MotorcyclesAPR*Max. Term
Used Autos 2004 and older
Used Motorcycles – 1994 and newer
5.99%*66 months
Used Autos 2004 and older
Used Motorcycles – 1994 and newer
7.99%*75 months

*APR = Annual Percentage Rate
* APR listed is the lowest possible Annual Percentage Rate for qualified borrowers. Rate may change dependent upon credit qualifications. All rates are subject to change daily. Click here for disclosure information.
* Borrower must have approved credit and limitations may apply. Please consult with a BVCU Loan Officer for more information.

Recreational VehiclesAPR*Max. Term
Travel Trailers, 5th Wheel, Motorhomes, Pop-up campers6.75%*240 months

*APR = Annual Percentage Rate
* APR listed is the lowest possible Annual Percentage Rate for qualified borrowers. Rate may change dependent upon credit qualifications. All rates are subject to change daily. Click here for disclosure information.
* Borrower must have approved credit and limitations may apply. Please consult with a BVCU Loan Officer for more information.

Other SecuredAPR*Max. Term
ATV, Dirt Bike, Trailers, Snowmobiles, Utility Trailers, etc.8.00%*66 months
 9.00%*84 months
 12.00%*120 months

*APR = Annual Percentage Rate
* APR listed is the lowest possible Annual Percentage Rate for qualified borrowers. Rate may change dependent upon credit qualifications. All rates are subject to change daily. Click here for disclosure information.
* Borrower must have approved credit and limitations may apply. Please consult with a BVCU Loan Officer for more information.

Home Equity Loans

Home EquityAPR*Amount
Home Equity Line of CreditAs Low As Prime***$5,000 – $250,000
Interest Only Home Equity Line of CreditAs Low As Prime***$5,000 – $250,000

Prime rate as of effective date indicated above was 3.25%. The prime rate is subject to change.Rate may change dependent upon credit qualifications. HELOC rate has a floor of 3.75%. Please ask a credit union representative about current rates which may vary. *APR = Annual Percentage Rate.
Click here for disclosure information.

Second Mortgage Loans

Second Mortgage Loan (Fixed Rate)APR*Term
Second Mortgage Loan3.49%5 Years
Second Mortgage Loan3.99%10 Years
Second Mortgage Loan4.99%15 Years

*APR = Annual Percentage Rate
*APR listed is the lowest possible Annual Percentage Rate for qualified borrowers. Rate may change dependent upon credit qualifications. All rates are subject to change daily. Click here for disclosure information.

Other Loans

Loan TypeAPR*Max Term
Personal/Signature Loan10.00%*^66 Months
Personal/Signature Loan12.00%*^84 Months
Overdraft Protection18.00% 
Certificate and Share Secured Loans
Maturity date of loan to match maturity date of earliest C/D maturity if more than one pledged.
4.50% above rate being paid.120 Months

*APR = Annual Percentage Rate
* APR listed is the lowest possible Annual Percentage Rate for qualified borrowers. Rate may change dependent upon credit qualifications. All rates are subject to change daily. Click here for disclosure information.
^ Borrower must have approved credit and limitations may apply. Please consult with a BVCU Loan Officer for more information. Signature loan maximum loan up to $15,000.

Visa Credit Cards

VISA Credit CardsAPR*
Platinum Cash Back Rewards11.40%
Platinum Rates8.90%
BVCU Classic14.90%
Credit Builder & Student Credit Builder14.90%
Card Terms (all cards)Terms
Grace Period25 days for purchases
Balance Calculation MethodAverage Daily Balance including new purchases and advances
Minimum Finance ChargeNone
Annual FeeNone
Late Payment Fee$25.00
Cash Advance FeeNone

*APR = Annual Percentage Rate
* APR listed is the lowest possible Annual Percentage Rate for qualified borrowers. Rate may change dependent upon credit qualifications. All rates are subject to change daily.


Saving Rates

*APY = Annual Percentage Yield

Click here for our Truth In Savings Disclosure

Regular Share SavingsDividend RateAPY*
$100 -$1,0000.05%0.05%
$1,001 – $2,0000.05%0.05%
$2,001 – $5,0000.05%0.05%
$5001 – $10,0000.05%0.05%
$10,001 and higher0.05%0.05%

Fees can reduce earnings. Click here for a complete Fee Schedule. All rates are subject to change daily.

Youth SavingsDividend RateAPY*
Y.E.S Account (Age 14-17)0.05%0.05%
Rags To Riches Club (Under 14)0.05%0.05%

Fees can reduce earnings. Click here for a complete Fee Schedule. All rates are subject to change daily. Click here for disclosure information.

Youth Certificates – 12 MonthsDividend RateAPY*
$100 – $4990.10%0.10%
$500 – $9,9990.40%0.40%
$10,000 – $49,9990.45%0.45%
$50,000 – $99,9990.50%0.50%
$100,000 and over0.60%0.60%

Fees can reduce earnings. Click here for a complete Fee Schedule. All rates are subject to change daily. Click here for disclosure information.

Miscellaneous ShareDividend RateAPY*
Holiday Club0.05%0.05%

Fees can reduce earnings. Click here for a complete Fee Schedule. All rates are subject to change daily. Click here for disclosure information.

Money Market
(Regular, Business & IRA)
Dividend RateAPY*
$0.00 – $4990.05%0.05%
$500 – $9,9990.10%0.10%
$10,000 – $24,9990.20%0.20%
$25,000 – $49,9990.25%0.25%
$50,000 – $99,9990.30%0.30%
$100,000 and over0.35%0.35%

Fees can reduce earnings. Click here for a complete Fee Schedule. All rates are subject to change daily. Click here for disclosure information.

IRA ShareDividend RateAPY*
Take advantage of tax deferred interest with an IRA.0.05%0.05%

Fees can reduce earnings. Click here for a complete Fee Schedule. All rates are subject to change daily. Click here for disclosure information.

Executive CheckingDividend RateAPY*
$0.00 – $9,9990.01%0.01%
$10,000 – $24,9990.15%0.15%
$25,000 – $99,9990.20%0.20%
$100,000 and over0.25%0.25%

Fees can reduce earnings. Click here for a complete Fee Schedule. All rates are subject to change daily. Click here for disclosure information.

Share and IRA Certificates
 $10,000 min.$500 min.
TermDividend RateAPY*Dividend RateAPY*
3 mo0.10%0.10%0.05%0.05%
6 mo0.25%0.25%0.25%0.25%
12 mo0.45%0.45%0.45%0.45%
18 mo0.60%0.60%0.60%0.60%
24 mo0.70%0.70%0.70%0.70%
30 mo0.75%0.75%0.75%0.75%
36 mo1.05%1.06%1.00%1.00%
48 mo1.35%1.36%1.30%1.31%
60 mo1.65%1.66%1.60%1.61%
 $100,000 min.$50,000 min.
TermDividend RateAPY*Dividend RateAPY*
3 mo0.20%0.20%0.15%0.15%
6 mo0.30%0.30%0.30%0.30%
12 mo0.60%0.60%0.50%0.50%
18 mo0.65%0.65%0.60%0.60%
24 mo0.75%0.75%0.70%0.70%
30 mo0.85%0.85%0.80%0.80%
36 mo1.15%1.16%1.10%1.11%
48 mo1.45%1.46%1.40%1.41%
60 mo1.75%1.76%1.70%1.71%

Fees can reduce earnings. Click here for a complete Fee Schedule. All rates are subject to change daily. Click here for disclosure information.


Mortgage Rates

We offer competitive rates for our mortgage loan programs. Rates are constantly changing, for current rates please contact us.  We do not charge the standard 1% Origination fee but there is an origination charge associated with the loan. 
Rates and terms are subject to change without notice.  Interest Rate, APR Calculations and Monthly Payment are based on a $200,000 loan with a loan to value of 75% or less.

Fixed Rate Mortgage

30 Year Fixed Mortgage
Interest RateOrigination PointsDisc. PointsAPRPayment
3.875%0.001.0004.030%$940.47
4.125%0.000.0004.197%$969.30
  • All rates subject to change without notice
  • APR = Annual Percentage Rate
  • Interest Rate, APR Calculations, and Monthly Payment based on following assumptions: $200,000 loan with loan to value of 75% or less
  • LTV = Loan-to-Value, meaning the loan amount divided by sales price (or appraised value, whichever is less)
  • Loan level price adjustments may apply.
  • Mortgage loans are available on properties here in Colorado. Membership to Boulder Valley CU is required.
20 Year Fixed Mortgage
Interest RateOrigination PointsDisc. PointsAPRPayment
3.750%0.001.0003.965%$1,185.78
4.000%0.000.0004.099%$1,211.96
  • All rates subject to change without notice
  • APR = Annual Percentage Rate
  • Interest Rate, APR Calculations, and Monthly Payment based on following assumptions: $200,000 loan with loan to value of 75% or less
  • LTV = Loan-to-Value, meaning the loan amount divided by sales price (or appraised value, whichever is less)
  • Loan level price adjustments may apply.
  • Mortgage loans are available on properties here in Colorado. Membership to Boulder Valley CU is required.
15 Year Fixed Mortgage
Interest RateOrigination PointsDisc. PointsAPRPayment
3.125%0.001.0003.396%$1,393.22
3.375%0.000.0003.500%$1,417.52
  • All rates subject to change without notice
  • APR = Annual Percentage Rate
  • Interest Rate, APR Calculations, and Monthly Payment based on following assumptions: $200,000 loan with loan to value of 75% or less
  • LTV = Loan-to-Value, meaning the loan amount divided by sales price (or appraised value, whichever is less)
  • Loan level price adjustments may apply.
  • Mortgage loans are available on properties here in Colorado. Membership to Boulder Valley CU is required.

Adjustable Rate Mortgage

3/1 Year ARM
Interest RateOrigination PointsDisc. PointsAPRPayment
3.500%0.000.0003.177%$898.09
  • ARM = Adjustable Rate Mortgage
  • Rates are fixed for the first 3 years and then adjust yearly.
  • Must be owner occupied. Call for details.
  • All rates subject to change without notice
  • APR = Annual Percentage Rate
  • Interest Rate, APR Calculations, and Monthly Payment based on following assumptions: $200,000 loan with loan to value of 75% or less
  • LTV = Loan-to-Value, meaning the loan amount divided by sales price (or appraised value, whichever is less)
  • Loan level price adjustments may apply.
  • Mortgage loans are available on properties here in Colorado. Membership to Boulder Valley CU is required.

Accounts federally insured up to $250,000 by the National Credit Union Administration (NCUA), the strongest government insurance fund in the country.

Phone (303) 442-8850
Routing/Transit 307074535