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All ServU members receive the same great rate, regardless of their credit score! *subject to credit approval

Vehicle Loans  |  Real Estate Loans  |  Other Loans  |  Credit Card  |  Share Accounts
 

Auto / Motorcycle Loans - learn more

** Finance up to 115% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only.

Example: A $20,000 Auto/Motorcycle loan at 3.99% APR would have 60 monthly payments of $368.28.


Boat / Camper / RV Loans - learn more

* APR = Annual Percentage Rate

** Finance up to 108% of NADA book value including sales tax. Collision & Comprehensive Insurance required.

Example: A $30,000 Boat/Camper/RV loan at 5.74% APR would have 120 monthly payments of $329.38.

Mortgage Rates

Mortgages are offered by ServU Credit Union, please contact the Real Estate department for current rates.


Home Equity - learn more

Rates are effective: June 1, 2017

Example: A $50,000 Fixed Rate Home Equity loan at 5.74% APR would have 180 monthly payments of $415.21.


Home Equity

Rates are effective: October 1, 2017

Collateral Mortgage

Rates are effective: November 3, 2014

* APR = Annual Percentage Rate

Example: A $30,000 Collateral Mortgage loan at 5.99% APR would have 180 monthly payments of $253.17.

Personal Loans

Example: A $15,000 Personal loan at 7.99% APR would have 60 monthly payments of $304.35.


Promotional Loans

Example: A $1,500 Promotional loan at 0.99% APR would have 12 monthly payments of $127.93 with individual insurance.


Home Improvement Loans - learn more

Unsecured funds available for home improvements

Example: A $7,500 Home Improvement or Home Improvement Plus loan at 3.74% APR would have 60 monthly payments of $137.25.


Home Improvement Plus Loans

Total amount of Home Improvement and Home Improvement Plus cannot exceed $15,000.
Total amount of traditional home improvement not to exceed $7500.
Possible tax advantage - consult with your tax advisor


Share Secured Loans - learn more

Unsecured funds available for home improvements

Example: A $10,000 Share-Secured loan at 3.49% APR would have 60 monthly payments of $181.95.


Collateral Loans - learn more

Financing up to 100% of appraised value of collateral plus sales tax.

* APR = Annual Percentage Rate.

Example: A $10,000 Collateral loan at 4.99% APR would have 60 monthly payments of $188.78.

VISA Credit Cards - learn more

Product

APR

Annual Percentage Rate (APR) for Purchases 11.99% for purchases made at any other time
APR for Cash Advances 11.99%
APR for Balance Transfers 1.99**%
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees

Transaction Fees
Foreign Transaction Fee 1.00% of each multiple currency transaction in U.S. dollars 0.80% of each single currency transaction in U.S. dollars
Penalty Fees
Late Payment Fee
Returned Payment Fee

up to $20.00
up to $25.00

Rates are effective January 30, 2012

** Balance transfers made prior to January 30, 2012 will have the rate received at the time of the balance transfer


How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)." See your account Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account Agreement.

BalanceTransferAPR: Any existing balances on ServU Credit Union loan or credit card accounts are not eligible for the balance transfer APR.

Military Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed anannual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).

Please call us at (800) 443-0663 to receive oral disclosures of the Military Lending Act disclosure above and a description of the payment obligation.

OTHER DISCLOSURES

Late Payment Fee $20.00 or the amount of the required minimum payment, whichever is less, if you are 30 or more days late in making a payment
Returned Payment Fee $25.00 or the amount of the required minimum payment, whichever is less.
Statement Copy Fee $1.50 per page
Document Copy Fee $8.00 per copy
Rush Fee $30.00 per request
PIN Replacement Fee $2.50 per PIN
Card Replacement Fee $5.00 per card

Collection Costs. You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney's fees.

Periodic Rates.

The Purchase APR is 11.99% which is a monthly periodic rate of 0.9992%
The Cash Advance APR is 11.99% which is a monthly periodic rate of 0.9992%
The Balance Transfer APR is 1.99% which is a monthly periodic rate of 0.1658%


Credit Insurance Program

As a credit union member, you now have the opportunity to elect Credit Life and Credit Disability Insurance on your credit union Visa card. Insurance is voluntary, not required. If elected, Credit Life Insurance will pay the insured balance on your VISA if you die. Joint Credit Life is also available to insure the lives of you and a second card holder, who is jointly and equally responsible for payment of your VISA card. Credit Disability Insurance can make that minimum monthly payment on your VISA if you become totally and continuously disabled. Disability benefits are payable for the duration stated in your VISA contract. The monthly premiums are calculated on your outstanding balance. Your VISA statement will show the cost of each month's insurance payment and will be automatically added to your bill. For more information call or stop in any of our offices.

TO REPORT LOST OR STOLEN CARDS, PLEASE CALL 1-800-991-4961. Would you like to stop being solicited for all those Pre-Approved Credit Card offers? Then call 1-888-5OPTOUT (1-888-567-8688). By calling this number you will eliminate those new card offers from filling your mail box and also reduce the risk of exposure to these applications in the mail system.

** Transfer the balance of other high interest credit cards to a ServU Credit Union Visa Card and receive our promotional rate of 1.99%APR for the term of the balance. The rate remains FIXED at 1.99%APR for as long as it takes you to pay off the transferred balance.

This promotion may be rescinded at any time. Existing ServU Credit Card and loan balances do not qualify for the balance transfer offer. New funds only.

Savings Accounts

Accurate as of the last dividend declaration date.

Certificate Information

Early withdrawal penalty may be imposed
$1000 minimum balance required
Rates effective since October 11, 2017

** APY = Annual Percentage Yield | Rates subject to change without notice