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Deposits federally insured to at least $250,000 by the National Credit Union Administration.

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of April 15, 2018. Fees may reduce earnings. Rates are subject to change without notice.

Deposit Rates

Shield CheckingLearn More

Balance Rate APY
$0 - $15,000 with requirements met 2.96% 3.00%
$0 - $3,499.99 or $15,000.01+ with no requirements met 0.07% 0.07%

Shield Checking account is a tiered rate account. If your average daily balance is $15,000.00 or below and you meet all of the following requirements, the first dividend rate and annual percentage yield listed for this account in the Rate Schedule will apply: 1) you complete at least 8 debit card transactions each statement period; and 2) maintain an average daily balance greater than $3,500.00. If your balance is greater than $15,000.00, the second dividend rate and range of annual percentage yield listed for this account will apply. Each rate will apply only to that portion of the account balance within each balance range. If you do not meet the requirements to earn the premium dividend rate, the third dividend rate and annual percentage yield listed for this account will apply to the entire balance in the account.

Checking Accounts

Account Minimum Balance Rate APY
Elite Checking $2,000+ 0.25% 0.25%
Elite Checking $0 - $1,999.99 0.07% 0.07%
Advantage 50 Checking $0 0.07% 0.07%
Performance Checking $0 0.07% 0.07%
Business Dividend Checking1 $0 0.25% 0.25%

1This rate is a percentage rate that reflects the total amount of dividends to be paid based on the Dividend Rate and frequency of compounding for an annual period The Dividend Period is the calendar month, the Dividend Frequency is monthly, and the Dividends are compounded monthly. Rates are subject to change. Transaction items include all debits and credits.

Ovation Business Checking

Balance Rate APY
up to $10,000 0.00% 0.00%
$10,000.01 - $25,000 0.15% 0.15%
$25,000.01 - $50,000 0.25% 0.25%
$50,000.01 - $100,000 0.30% 0.30%
$100,000.01+ 0.35% 0.35%

A fee of 25 cents will be charged for each transaction in excess of 250 per month.  Free unlimited transactions at any INOVA FCU ATM.  Nonproprietary ATM transactions $2.00 fee per transaction.  No surcharge fees if using an AllianceOne or CO-OP Network ATM. Minimum daily balance of $500.00 required to avoid a monthly service fee of $10.00.  A minimum daily balance of $ 10,000.01 is necessary to obtain dividends. No new Business Ovation Checking accounts will be opened. This account no longer offered. Rates and terms apply to existing accounts only.

Savings AccountsLearn More

Account Minimum Balance Rate APY
Membership Savings $100 0.01% 0.01%
Gold Money Market Savings $50,000 1.243% 1.25%
Platinum Money Market Savings $100,000 1.49% 1.50%
Special Savings $0 0.01% 0.01%
Christmas Club $100 or $5 in monthly deposits 0.01% 0.01%
Health Savings Account (HSA) $0 0.01% 0.01%

Share CertificatesLearn More

Term Minimum Opening Deposit Dividend Rate APY
30 Day $200 0.050% 0.050%
60 Day $200 0.100% 0.100%
91 Day $200  0.100% 0.100%
5 Month $200  0.140% 0.140%
6 Month $200  0.499% 0.500%
7 Month $200  0.747% 0.750%
7 Month $200 or more of new money2 1.736% 1.750%
1 Year $200  0.598% 0.600%
14 Month $200 2.031% 2.050%
14 Month $50,000 or more of new money2 2.276% 2.300%
18 Month $200  1.2430% 1.250%
2 Year $200  1.342% 1.350%
30 Month $200 2.276% 2.300%
30 Month $50,000 or more of new money2 2.521% 2.550%
3 Year $200  1.8345% 1.850%
4 Year $200 1.933% 1.950%
5 Year $200  2.959% 3.000%
6 Year $200  2.325% 2.350%

 

Rates are subject to change without notice. The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be paid based on the Dividend Rate and frequency of compounding for an annual period. The above APY is available for a limited time. The Dividend Period is the calendar month, the Dividend Frequency is monthly, and the Dividends are compounded monthly. Substantial penalty for early withdrawal. Special offer requires an initial deposit of New Money only and new money is defined as money not currently on deposit with INOVA Federal Credit Union. Rates subject to change. Fees may reduce earnings. Minimum $200.00 deposit.

2New money is considered money that is not currently on deposit with INOVA FCU. 

Step Up CertificatesLearn More

Term Minimum Opening Deposit Dividend Rate APY
91 Day $200  0.100% 0.100%
6 Month $200  0.399% 0.400%
1 Year $200  0.499% 0.500%
14 Month $200 0.170% 0.170%
18 Month $200  1.1440% 1.150%
2 Year $200  1.243% 1.250%
30 Month $200 1.391% 1.400%
3 Year $200  1.736% 1.750%
4 Year $200 1.8345% 1.850%
5 Year $200  2.862% 2.900%
6 Year $200  2.227% 2.250%

 

Rates are subject to change without notice. The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be paid based on the Dividend Rate and frequency of compounding for an annual period. The above APY is available for a limited time. The Dividend Period is the calendar month, the Dividend Frequency is monthly, and the Dividends are compounded monthly. Substantial penalty for early withdrawal. Special offer requires an initial deposit of New Money only and new money is defined as money not currently on deposit with INOVA Federal Credit Union. Rates subject to change. Fees may reduce earnings. Minimum $200.00 deposit.

IRA SavingsLearn More

Account Minimum Balance Rate APY
IRA Savings $0 0.010% 0.010%
IRA Money Market Savings $0 0.050% 0.050%
IRA Financial Management Account up to $10,000 0.010% 0.010%
IRA Financial Management Account $10,000.01 - $25,000 0.100% 0.100%
IRA Financial Management Account $25,000.01 - $50,000 0.200% 0.200%
IRA Financial Management Account $50,000.01 - $100,000 0.350% 0.350%
IRA Financial Management Account $100,000.01+ 0.400% 0.400%

IRA CertificatesLearn More

Term Minimum Opening Deposit Dividend Rate APY
91 Day $200  0.200% 0.200%
6 Month $200  0.598% 0.600%
7 Month $200  0.747% 0.750%
1 Year $200  0.698% 0.700%
14 Month $200 2.031% 2.050%
14 Month $50,000 or more of new money2 2.276% 2.300%
18 Month $200  1.342% 1.350%
2 Year $200  1.440% 1.450%
30 Month $200 2.276% 2.300%
30 Month $50,000 or more of new money2 2.521% 2.550%
3 Year $200  1.933% 1.950%
4 Year $200 2.031% 2.050%
5 Year $200  2.959% 3.000%
6 Year $200  2.4230% 2.450%

 

Rates are subject to change without notice. The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be paid based on the Dividend Rate and frequency of compounding for an annual period. The above APY is available for a limited time. The Dividend Period is the calendar month, the Dividend Frequency is monthly, and the Dividends are compounded monthly. Substantial penalty for early withdrawal. Special offer requires an initial deposit of New Money only and new money is defined as money not currently on deposit with INOVA Federal Credit Union. Rates subject to change. Fees may reduce earnings. Minimum $200.00 deposit.

2New money is considered money that is not currently on deposit with INOVA FCU. 

IRA Step Up CertificatesLearn More

Term Minimum Opening Deposit Dividend Rate APY
91 Day $200  0.100% 0.100%
6 Month $200  0.499% 0.500%
1 Year $200  0.598% 0.600%
18 Month $200  1.243% 1.250%
2 Year $200  1.342% 1.350%
30 Month $200 1.490% 1.500%
3 Year $200  1.8345% 1.850%
4 Year $200 1.933% 1.950%
5 Year $200  2.862% 2.900%
6 Year $200  2.325% 2.350%

 

Rates are subject to change without notice. The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be paid based on the Dividend Rate and frequency of compounding for an annual period. The above APY is available for a limited time. The Dividend Period is the calendar month, the Dividend Frequency is monthly, and the Dividends are compounded monthly. Substantial penalty for early withdrawal. Special offer requires an initial deposit of New Money only and new money is defined as money not currently on deposit with INOVA Federal Credit Union. Rates subject to change. Fees may reduce earnings. Minimum $200.00 deposit.

Financial Management AccountLearn More

Balance Rate APY
Up to $10,000 0.01% 0.01%
$10,000.01 - $25,000 0.10% 0.10%
$25,000.01 - $50,000 0.20% 0.20%
$50,000.01 - $100,000 0.349% 0.350%
$100,000.01+ 0.399% 0.400%

Rates may vary and fees may reduce earnings - substantial penalty for early withdrawal.

Loan Rates

Mortgage RatesLearn More

Type Rate APR
10 Year Fixed Rate 4.250% 4.536%
15 Year Fixed Rate 4.250% 4.449%
20 Year Fixed Rate 4.625% 4.784%
30 Year Fixed Rate 4.750% 4.868%
No Closing Cost - 15 Year Fixed Rate 4.500% 4.702%
No Closing Cost - 20 Year Fixed Rate 4.875% 5.037%
No Closing Cost - 30 Year Fixed Rate 5.000% 5.120%
Retirement Ready - 5 Year Fixed Rate 3.625% 4.158%
Retirement Ready - 10 Year Fixed Rate 3.875% 4.156%
FHA - 15 Year Fixed Rate 4.250% 5.448%
FHA - 30 Year Fixed Rate 4.750% 5.666%
FHA No Closing Cost - 15 Year Fixed Rate 4.500% 5.707%
FHA No Closing Cost - 30 Year Fixed Rate 5.000% 5.925%
Adjustable Rate Program - 3/1 ARM 3.500% 4.378%
Adjustable Rate Program - 5/1 ARM 3.625% 4.293%
Adjustable Rate Program - 7/1 ARM 3.750% 4.252%

Annual Percentage Rate (APR). Please note that the interest rate and fees shown here are available to borrowers with an excellent credit history. The actual interest rate and fees available to you will be based on your credit history and may be different than the rates displayed here.

New VehiclesLearn More

Term APR
36 months or less 2.75%
37 - 48 months 3.00%
49 - 72 months 3.25%
73 - 84 months 3.75%

Annual Percentage Rate (APR). Loan to Value and credit restrictions apply for rates listed above and are subject to change without notice. 2018 vehicles will only be considered new if it has never been titled or if purchased in the last 120 days and has less than 7,500 miles. 73-84 Month Term Requires Minimum $15,000.00 Loan Amount.

Used Vehicles (2018 - 2013)Learn More

Term APR
36 months or less 3.00%
37 - 48 months 3.25%
49 - 72 months 3.50%
73 - 84 months 4.00%

Annual Percentage Rate (APR). Loan to Value and credit restrictions apply for rates listed above and are subject to change without notice. Terms over 72 months require $25,000 minimum loan amount, and vehicle must be 2013 or newer. Used Vehicles 2009 and older have a maximum term of 60 months.

Used Vehicles (2012 - 2010)Learn More

Term APR
36 months or less 3.25%
37 - 48 months 3.50%
49 - 60 months 3.75%
61 - 72 months 4.00%

Annual Percentage Rate (APR). Loan to Value and credit restrictions apply for rates listed above and are subject to change without notice. Terms over 61 months require $15,000 minimum loan amount, and vehicle must be 2010 or newer. Used Vehicles 2009 and older have a maximum term of 60 months.

Used Vehicles (2009 and older)Learn More

Term APR
48 months or less 4.00%
49 - 60 months 4.50%

Annual Percentage Rate (APR). Loan to Value and credit restrictions apply for rates listed above and are subject to change without notice. Used Vehicles 2009 and older have a maximum term of 60 months.

Classic Vehicles / Motorcycles / Recreational Vehicles

Type Term APR
Classic Vehicles 48 months or less 5.25%
New Harley/Goldwing Motorcycles 60 months or less 4.00%
New Harley/Goldwing Motorcycles 60 - 66 months 4.25%
New Harley/Goldwing Motorcycles 67 - 72 months 4.75%
Used Harley/Goldwing Motorcycles 60 months or less 4.50%
New Recreational Vehicles (Motorhomes, Campers, Boats) 60 months or less 5.50%
New Recreational Vehicles (Motorhomes, Campers, Boats) 61 - 84 months 6.50%
Used Recreational Vehicles (Motorhomes, Campers, Boats) 60 months or less 6.00%
Used Recreational Vehicles (Motorhomes, Campers, Boats) 61 - 84 months 6.75%
ATVs, Snow Machines, Other Motorcycles 60 months or less 8.00%

Annual Percentage Rate (APR). Loan to value and credit restrictions apply for rates listed above and are subject to change without notice.

Visa® Credit CardsLearn More

Card Type Revolving Rate
Visa Platinum 13.50% - 17.99%
Visa Platinum Rewards 13.99%
Share Secured Platinum Visa 17.99%

Personal LoansLearn More

Type Term APR
Signature Loans 0 - 48 months 9.99%
Powerline Unsecured n/a 9.99%
Revolving Line of Credit n/a 12.99%

Home Equity LoansLearn More

Type Revolving Line
Powerhouse Prime + zero 4.00% floor 4.750%