Personal Account & Loan Rates
At UVA Community Credit Union, we use a simple formula. Keep loan rates as low as possible. And set Savings, Money Market and other deposit account rates so they benefit you.
We're all about making the numbers work for you.
Do more with your money at UVA Community Credit Union.
Our rates are designed to maximize your dividend earnings and limit the interest charges on loans. That's how Credit Unions operate. With no shareholders to answer to, your financial wellness is our No. 1 goal.
Loan Rates
| Loan | Financing | Term | APR1 |
|---|---|---|---|
| New and Used Autos | 100% | flexible terms available | as low as 5.74%1 |
1 APR = Annual Percentage Rate. APR with qualifying credit may vary based on credit history and model year of vehicle. All loans subject to normal credit approval. See Credit Union for details. Non-commercial vehicles only. Not all applicants will qualify for the lowest rate.
Max Allowed Mileage not to Exceed 100,000.
| Financing | Term | Payment Example | APR1 |
|---|---|---|---|
| Up to $50,000 | Up to 60 months | A loan of $2,500 for 36 months will have a monthly payment ranging from $78.04 to $90.99. | as low as 7.74% |
Rates, terms and conditions are subject to change without notice.
1 APR = Annual Percentage Rate. Rates and terms subject to credit worthiness, so your rate may differ. Rate reflects a 0.25% APR discount for automatic payments from a UVA Community Credit Union Checking Account. Not all applicants will qualify for the lowest rate or longest repayment term. Loan approval subject to UVA Community Credit Union membership eligibility. Not all applicants will qualify for the lowest rate. Please contact us for details and other rates and terms available.
| Credit Limit | Payment Example | APR1 |
|---|---|---|
| $100 to $5,000 | Monthly payments based on balance. A $600 balance would have an estimated payment as low as $25 per month. | as low as 14.49% |
1 APR = Annual Percentage Rate. No annual fee or closing costs. Please contact the Credit Union member service department at 888-887-9136, for the most current rates and terms for available products. The information provided to you in the Loan Calculator is estimated and is not guaranteed by UVA Community Credit Union. Not all applicants will qualify for the lowest rate.
| Maximum Loan Amount | Term | Fee | Payment Example | APR1 |
|---|---|---|---|---|
| $500 | 30 days | None | 30 day term payments at 18% APR is $507.40 per $500 borrowed | 18.00% |
Member must deposit 5% of loan proceeds in savings account.
1 APR = Annual Percentage Rate. All loans subject to credit approval. Other restrictions may apply. Membership eligibility required. Minimum ongoing balance of $5 is required in a UVA Community Credit Union Share Savings Account.
| Loan Type and Description | Line Amount | Term | Example Payment | APR1,2 as low as |
|---|---|---|---|---|
| HELOC Flex | Subject to collateral value and balance of outstanding loans and lines | 10 year draw period with a 20 year repayment thereafter | Interest only payment of as low as $6.25 per $1,000 | 7.50% |
1 Virginia properties only. APR=Annual Percentage Rate. Rates effective 1/1/2025 for new Home Equity Lines of Credit Flex (HELOC Flex). The variable APR is based on Prime Rate plus a margin, and will vary with Prime Rate. Certain property types are not eligible collateral. Ask us for details and rates for investment properties or smaller or larger line of credit amounts.
2 Not all applicants will qualify for the lowest rate. APR may vary based on credit score, Loan to Value (LTV), Credit History and occupancy status. Property insurance is required and flood insurance is required where necessary. The minimum periodic payment is interest-only for the first ten years (“draw period”) followed by fully-amortizing payments to repay the balance over the final twenty years. No draws will be allowed during the repayment period. Payments and rate can adjust monthly. Payments will increase if rates increase. At the end of the draw period, your required monthly payments will increase because you will be paying both principal and interest. The rate is calculated using an index plus a margin. The index used is the Prime Rate as published in The Wall Street Journal Eastern Edition on the last business day of the month prior to the change. Minimum interest rate is 3.25%. Maximum interest rate is 18%.
Subject to credit approval. Interest rates and terms are subject to change without notice. Other restrictions may apply. Membership eligibility required. Minimum ongoing balance of $5 is required in a UVA Community Credit Union Share Savings Account. See Credit Union for details.
| Card | Percentage Rate (APR1) For Purchases | Percentage Rate (APR1) for Cash Advances | Percentage Rate (APR1) for Balance Transfers |
|---|---|---|---|
| Visa® Member Rewards | 14.24% to 19.24% | 14.24% to 19.24% | 14.24% to 19.24% |
| Visa® Platinum | 12.24% to 17.24% | 12.24% to 17.24% | 12.24% to 17.24% |
| Visa® Platinum Propel | 17.74% | 17.74% | 17.74% |
1APR = Annual Percentage Rate. Rates and terms subject to credit worthiness, so your rate may differ. Credit Card approval subject to UVA Community Credit Union membership eligibility. This APR may vary with market based on the Prime Rate. Not all applicants will qualify for the lowest rate. Additional terms and fees can be found HERE. Please contact us for details.
Account Rates
| Account Type | Minimum Daily Balance to Earn Dividends | Compounding and Dividend Crediting Frequency | Dividend Rate | Annual Percentage Yield (APY) | Minimum Deposit to Open | Fixed or Variable Dividend Rate |
|---|---|---|---|---|---|---|
| Share Savings | $100 | Quarterly | 0.0500% | 0.05% | $30 | Variable |
| Share (Personal) Checking1 | $0 - $749 | Quarterly | 0.0100% | 0.01% | $50 | Variable |
| $750 - $1,999 | Quarterly | 0.0100% | 0.01% | $50 | Variable | |
| $2,000 and above | Quarterly | 0.0100% | 0.01% | $50 | Variable | |
| Christmas Club | $100 | Quarterly | 0.0500% | 0.05% | $5 | Variable |
1 A balance which exceeds one or more tiers will have an APY which falls within the APY range attained by that balance.
Membership Information: Membership requires the opening of a Primary Share Savings account in the minimum amount disclosed. The share par value of $5.00 must be maintained as a minimum balance in the Primary Share Savings account.
Rates are subject to change at any time. All member share accounts are federally insured up to $250,000 by the National Credit Union Administration, a U.S. Government Agency. The Annual Percentage Yields given above are based on the assumption that dividends will remain on deposit until maturity. Any type of interest withdrawal will reduce earnings. Please refer to the Truth-In-Savings Disclosure and personal Fee Schedule for additional account information.
| Balance to Earn Dividend | Compounding | Dividend Rate | APY1 |
|---|---|---|---|
| $0.01 - $2,000 | Monthly | 3.9460% | 4.0182% - 4.0000% |
| $2,000.01 - $5,000 | Monthly | 2.9595% | 4.000% - 3.3848% |
| $5,000.01 - $10,000 | Monthly | 1.9819% | 3.3848% - 2.6863% |
| $10,000.01 - $50,000 | Monthly | 1.4898% | 2.6863% - 1.7354% |
| $50,000.01 - $100,000 | Monthly | 1.2429% | 1.7354% - 1.4910% |
| $100,000.01 & Above | Monthly | 0.9954% | 1.4910% - 1.0495%2 |
Rates, terms and conditions are subject to change without notice.
1 APY= Annual Percentage Yield. Rates effective 10/1/24 and are subject to change without notice. Call 888-887-9136 for current rates. There is a $5.00 opening balance requirement. Account requires a Membership Share Savings Account in good standing with the credit union. Membership eligibility required. A blended rate account pays a different dividend rate on the amount of funds in each tier. Each dividend rate will apply only to the portion of the account balance within each balance range tier and not the entire account balance. For example, you’ll earn 4.00% APY on balances up to $2,000.00. Then depending on your balance between $2,000.01 - $5,000, you will receive an APY between 4.00% and 3.38%. The blending continues for additional balance tiers.
2 Blended APY range calculated on balances up to $1 million in this tier.
Federally insured by NCUA.
| Term | Compounding | Minimum Deposit1 | Dividend Rate | APY2 |
|---|---|---|---|---|
| 3-Month | N/A2 | $500 | 1.9819% | 2.00% |
| 6-Month | N/A2 | $500 | 2.4718% | 2.50% |
| 1-Year | Monthly2 | $500 | 3.4451% | 3.50% |
| 18-Months | Monthly2 | $500 | 2.9595% | 3.00% |
| 2-Year | Monthly2 | $500 | 2.9595% | 3.00% |
| 3-Year | Monthly2 | $500 | 2.8134% | 2.85% |
| 4-Year | Monthly2 | $500 | 2.7159% | 2.75% |
| 5-Year | Monthly2 | $500 | 2.6672% | 2.70% |
Rates, terms and conditions are subject to change without notice
1 APY = Annual Percentage Yield
2 Members may choose to have dividends credited to a related sub-account on a monthly basis.
Early withdrawal penalty of 45 day dividend loss if maturity term is less than 3 months, 90 day dividend loss if the maturity term is one year or less, 180 day dividend loss if the maturity term is more than one year.
Fees may reduce earnings. At maturity, Share Certificate balance will automatically be renewed under the original account terms and conditions at the prevailing rate, unless instructed otherwise. Click here for terms for special Share Certificates.
Membership requires a minimum ongoing balance of $5 in a UVA Community Credit Union Share Savings Account. Insured by NCUA.
| Investment | Compounding | Minimum Deposit | Minimum to Earn Dividends | Dividend Rate | APY1 |
|---|---|---|---|---|---|
| Traditional IRA | Quarterly | $100 | $100 | 0.1499% | 0.15% |
| Roth IRA | Quarterly | $100 | $100 | 0.1499% | 0.15% |
| Coverdell Education Savings Account | Quarterly | $25 | $100 | 0.1499% | 0.15% |
1 Annual Percentage Yield
An open IRA or Coverdell ESA Share Account is required to open an IRA or Coverdell ESA Certificate.
Penalty for early withdrawal applies. Fees may reduce earnings. Rates are variable.
UVA Community Credit Union reserves the right to end or modify this offer at any time without notice. This offer is also valid for Education Savings Certificates. IRA Certificate must have a $500 minimum opening and ongoing balance. Existing members can contribute up to $100,000 with current IRA funds held at the Credit Union per promotional certificate. Maximum deposit for each certificate is $200,000. Limit of one promotional certificate term per member. IRA Certificate will rollover at maturity into a 24-month term at the prevailing rate unless otherwise instructed. Early withdrawal penalties apply; 180 day dividend loss. There is a $25 IRA rollover fee if funds are transferred from the Credit Union. Other restrictions may apply. See the IRS (IRS.GOV) for annual IRA contribution limits.
Membership eligibility is required. Membership requires a minimum ongoing balance of $5 in a UVA Community Credit Union Share Savings Account and a IRA Share Savings Account. Insured by NCUA.
| Term | Compounding | Minimum Deposit/Minimum to Earn Dividends | Dividend Rate | APY1 |
|---|---|---|---|---|
| 1 Year | Quarterly | $500 | 3.4451% | 3.50% |
| 2 Year | Quarterly | $500 | 2.9595% | 3.00% |
| 3 Year | Quarterly | $500 | 2.8134% | 2.85% |
| 4 Year | Quarterly | $500 | 2.7159% | 2.75% |
| 5 Year | Quarterly | $500 | 2.6672% | 2.70% |
Rates, terms and conditions are subject to change without notice
1 Annual Percentage Yield
An open IRA or Coverdell ESA Share Account is required to open an IRA or Coverdell ESA Certificate.
Penalty for early withdrawal applies. Fees may reduce earnings. Rates are variable.
UVA Community Credit Union reserves the right to end or modify this offer at any time without notice. This offer is also valid for Education Savings Certificates. IRA Certificate must have a $500 minimum opening and ongoing balance. Existing members can contribute up to $100,000 with current IRA funds held at the Credit Union per promotional certificate. Maximum deposit for each certificate is $200,000. Limit of one promotional certificate term per member. IRA Certificate will rollover at maturity into a 24-month term at the prevailing rate unless otherwise instructed. Early withdrawal penalties apply; 180 day dividend loss. There is a $25 IRA rollover fee if funds are transferred from the Credit Union. Other restrictions may apply. See the IRS (IRS.GOV) for annual IRA contribution limits.
Membership eligibility is required. Membership requires a minimum ongoing balance of $5 in a UVA Community Credit Union Share Savings Account and a IRA Share Savings Account. Insured by NCUA.
Personal Fee Schedule
| Monthly Service Fee | No charge for accounts in good standing |
|---|---|
| Share Savings Account | No monthly fee |
| Overdraft fee (Paid NSF) or Returned Item fee (NSF) | $32.00 |
|---|
| Monthly fee | No charge |
|---|---|
| Bill Pay | No charge |
| Expedited electronic payment fee | $10.00 payment |
| Expedited check payment fee | $30.00 per payment |
| Stop payment fee | $32.00 |
| Stop payment limits | Maximum three items per day and five items per month |
| E-statements fee | No charge |
| External Transfer fee | No charge |
| External Transfer limits | N/A |
| Per transaction | $2,500.00 |
| Per day | $2,500.00 |
| Per month | $10,000.00 |
| Mobile Deposit fee | No charge |
| Mobile Deposit limits | Maximum $5,000 deposit per day |
| Zelle® Transfer fee (Zelle® Transfers are free, however, other fees related to your account, such as overdraft and NSF fees, may apply) | No charge |
| Zelle® Stop Payment fee | $30.00 |
| Monthly fee | None |
|---|---|
| International Transaction fee | 1% |
| Card Used at ATM: UVA Community Credit Union machine transactions | No charge |
| Card Used at ATM: Each non-UVA Community Credit Union network transaction1 | $0.95 |
| Daily ATM withdraw limit | $505.00 |
| Daily point-of-sale (POS) withdraw limit | $3,000.00 |
| Reissue Card | $10.00 |
| Merchant Transactions: Cash Advance | No charge |
| Christmas Club Account | No monthly fee |
| IRA Rollover Fee (applies to transfer of funds from the credit union) | $25.00 |
| Share Checking Account | No monthly fee |
| Stop Payment on a Check or ACH | $32.00 |
| Copy of Canceled Check | $5.00 |
| Returned Deposit Fee: Single party item return | $32.00 |
| Returned Deposit Fee: Two party item return | $8.00 |
| Overdraft Fee (Paid NSF) or Returned Item Fee (NSF) (see our Checkline-Overdraft Protection LOC2 | $32.00 |
| Credit Union Initiated Overdraft Protection Transfer from Savings Account3 | $5.00 |
| Check Printing Charge (depending on style and quality) | Price varies |
1 Transaction surcharge fee by ATM owner may apply. Members can use their debit card surcharge free at any participating CULIANCE Network ATM.
2 Checkline-Overdraft Protection Line of Credit - No charge until line is accessed. Subject to interest and credit approval.
3 The Credit Union charges a $5 overdraft transfer fee on automatic transfers from your savings account to cover insufficient funds. In the event an automatic transfer from your savings account occurs, but the amount transferred is insufficient to completely cover an overdraft, this fee will be charged in addition to the overdraft and returned items fee.
| Call 24 Telephone Account Access | No charge |
| Interim History of Account | $1.00 per page |
| Safe Deposit Boxes (Annual fee) Pantops, Patton Mansion, and Orange Branches (check each location for sizes, and availability) | N/A |
| 3"x5" Box | $30 |
| 3"10" Box | $50 |
| 4" x 10" Box | $60 |
| 5" x 10" Box | $70 |
| 10"x10" | $125 |
| Account Reconciliation (other than the first month) | $30.00 per hour |
| Account Research (after first hour) | $30.00 per hour |
| Cashier’s Checks | $3.50 per check |
| Counter Checks (per page, four checks per page) | $2.00 per page |
| Pre-Paid Card - Reloadable4 | $5.00 |
| VISA Gift Card Fee | $5.00 |
| Mortgage Loan Verification Fee | $10.00 |
| Levy/Garnishment Fee | $75.00 |
| Foreign Check Fee5 | $20.00 per transaction |
| Incoming Wire Transfer | No charge |
| Outgoing Wire Transfer: Domestic U.S. | $20.00 |
| Outgoing Wire Transfer: International | $50.00 |
| Outgoing Wire Transfer: International (Foreign Currency) | $40.00 |
| Rush Order for Delivery of Debit/Credit Card | Up to $25.00 |
4 Additional fees may apply, see cardholder agreement for details.
5 Plus any pass-through charges from other financial institutions.
Daily ATM withdrawal limit is $100; Daily POS withdrawal limit is $200. Not included in the TeenRISE Account: External Transfers, Bill Pay, Zelle®, and Counter Checks.
UVA Community Credit Union is a full-service financial institution with locations throughout Virginia's Central Piedmont and Valley area.
Login to Online Banking to apply.