First NRV Federal Credit UnionSmall enough to know you... large enough to server
HomeAbout UsChecking AccountsSavings AccountsLoansRatesForms & ApplicationsContact Information

Current Rates

Saving Account & Loan Rates

 
INTEREST RATES/TERM LIMIT TABLE and Discounts                             effective 01/01/2017
                                                                                                                                                                                 
Share Secured - 100%                                         2% above share dividend rate up to 72 months
Share Secured -   50%                                            5% above share dividend rate up to 72 months
FICA Score     A > 700       B > 630 to 699      C >   580 to 629      D >   530 to 579          E < 530 
Grades are a combination of FICA score and other conditions
 
New and Used Auto, Truck, Motorcycle, 4 Wheelers     72 months over $20,000  ADD ONS                                                                                                                                                                                                                                                                                                                                                                                                                                         
Grade/months
24
36
48
60
72
Gas over 100,000 miles             add  0.50%
A
3.99
4.49
4.99
5.49
5.99
Diesel over 250,000 miles          add  0.50%
B
5.99
6.99
7.99
8.99
9.99
Motorcycles                                add  0.50%
C
9.99
10.74
11.24
11.99
12.99
Off road motorcycles & 4 wheelers  add 2.00%
D
15.99
16.99
17.49
17.99
NA
 
Financing of credit union products such as GAP, warranty, credit and/or disability may cause loan to go over max allowable for all A & B grades
 
RV, Motor Homes, Campers, Boats                                                                                    DISCOUNTS
Grade/months
24
36
48
60
72
LTV <80%                                          0.50%
A
4.99
5.49
5.99
6.49
6.99
DIRECT DEP0SIT                              0.25%
B
6.99
7.49
8.99
9.99
10.74
AUTO PAY FROM 1ST NRV ACC    0.25%
C
10.74
11.49
12.99
12.99
15.74
$5000 IN 1ST NRV SAVINGS OR SC 0.25%
D
15.74
16.49
17.49
17.99
NA
VEHICLE <10,000 MILES                  0.25%
 
Unsecured / Signature
Grade/months
12
24
36
42
48
60
72
SECURITY                   0.25%
A
6.99
7.49
7.99
8.49
9.99
10.99
NA
DIRECT DEP0SIT        0.25%
B
11.99
12.49
12.99
13.49
13.99
14.99
NA
AUTO PAY                   0.25%
C
14.99
15.99
16.49
16.99
17.99
NA
NA
 
D
17.99
17.99
17.99
NA
NA
NA
NA
 
All loans except Mortgage, Home equity and credit card are eligible for loyalty or usage discounts
No loan rate can go below 2.49%              the Floor rate is Wall Street Prime [3.75%] if not set by BOD
All E loans and Credit Rebuilder Loans are 18%
OTHER LOANS
CREDIT CARD      VISA
Prime plus 7%
NO ANNUAL FEE
HOME EQUITY*
WALL STREET PRIME
MIN 4.00% TO A MAX OF  14.00%
MORTGAGE
8.00%
 
UNIMPROVED PROPERTY
As low as 4.50%
10 YEARS           12 YEARS
SMALL AMOUNT /SHORT TERM
28%
$20.00 loan fee
DISCOUNT FOR DIRECT DEPOSIT     1% AND FOR AUTO PAY                             1%
  • home equity loans are 80% appraisal on 1st Deed of Trust and on 2nd Deed of Trust 80% appraisal minus 1st deed of trust
 
Share Rates                 Current Rate                AYP                                                                                     effective 01/01/17
Regular Shares                     0.50%                  0.50%                      [$50,000.00 and above]
                                                0.25%                    0.25%                    [$1,000.00 to $49,999.99]
                                                0.00%                    0.00%                    [$5.00 to $999.99]
 
Checking                              0.10%                    0.10%                    [average daily balance $100.00]
 
Christmas club                    0.25%                    0.26%                                                                                  effective 01/01/17
 
IRA’s                                     1.00%                    1.00%   
 
Share Certificates                                              [120 days penalty for early withdrawal]                           effective 01/01/17
                                1 year                                                    0.60%                    0.60%
                                2 year                                                    0.75%                    0.75%
                                3year                                                     1.00%                    1.00%
                                5 year                                                    1.25%                    1.26%

 

 

*APR       =            ANNUAL PERCENTAGE RATE

**APY     =          ANNUAL PERCENTAGE YIELD      

 

 Dividends set at end of each quarter and paid quarterly on all but checking which is paid monthly


Schedule of Fees and Charges

 

 
 

FIRST NRV FEDERAL CREDIT UNION
 

 

SCHEDULE OF FEES AND CHARGES

 

      
APPROVED 10/04/94

               *Revised 03/01/2011
 
Unlike most banks, your Credit Union continues to offer many convenient services free of charge. However, in some instances the Credit Union incurs a cost from another organization that performs or provides a service. In most cases, this cost is passed on to those members who use this service.
 
 

Free Services
 

 
                ATM Transactions at the Credit Union
                Balance Inquiries at the Credit Union
Phone Withdrawal/Transfer at the Credit Union
            Regular Share Savings Monthly Service Charge
 
 

 
Fees and Charges

 
 

Regular Share Accounts 
 

 
                Check Cashing Fee (if bal. less than $300)                               $ 3.00 per check [members under 18 exempt]
Copy of Cancelled Check                                                           $ 2.00 per ck.
Copies of Statement                                                                   $25.00 plus $1.00 per page
Credit Union check                                                                     $ 2.00 per check[$3.00 effective Sept. 1, 2016]
Early Acct. Closure (closed w/n 90 days of opening)                 $ 5.00    
 

Electronic Funds Transfer fee (above six)                                  $20.00

Fax Fee                                                                                       $ 1.50 first page    $0.75 for each additional page thereafter
                Inactive Acct. Fee (1 yr. of no acct. activity)                                $ 5.00/quarter [members under 18 exempt]
                Incoming wire                                                                               $ 5.00 per wire                                                      
                Money Orders                                                                              $ 1.00 per money order
 

Open New Account                                                                       $ 5.00

Outgoing wire (Regular)                                                                $15.00 per wire                                                    
 

                Overdraft Fee (Checking, ACH)                                                    $25.00

 

                Chargeback Check Fee                                                                 $40.00 [Effective Sept 1, 2016]

 

                Replace plastic card                                                                      $10.00

 

                Return Fee (Checking, ACH)                                                         $15.00

 

                Stop Payment                                                                                 $20.00
 

                                                                               
 
 

 
Automated Teller Machine (Credit Union’s)

 
 

           
     Foreign Cards                                                                          $ 2.50 per transaction [9/27/2016]

 
 

Automated Teller Machines (Other than the Credit Union’s)

 
            Balance Inquiries Checking/Savings (PLUS System Only)       $ .50 per transaction
                Point of Sale Transactions (Not currently Available)                 $ .10 per transaction
Transfer from Checking/Savings (PLUS System Only)             $1.00 per transaction
                Withdrawal from Checking/Savings (PLUS System Only)       $1.00 per transaction
               
 

Disclaimer

 
 

             
                The Board of Directors of the First NRV Federal Credit Union reserves

 

                the right to amend these rates from time to time. Notification of such changes will be

 

                forwarded to all members.