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

Rates effective as of August 19, 2019 and are subject to change without notice.

Deposit Rates

Shield CheckingLearn More

Balance Rate APY
$0 - $15,000 with requirements met 2.960% 3.000%
$15,000.01+  0.070% 0.070%
No Requirements Met 0.070% 0.070%

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.  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+ 0.250% 0.250%
Elite Checking $0 - $1,999.99 0.110% 0.110%
Advantage 50 Checking $0 0.070% 0.070%
Performance Checking $0 0.070% 0.070%
Business Dividend Checking $0 0.250% 0.250%

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

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.  A fee of 0.25 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
Platinum Money Market Savings $100,000 1.490% 1.500%
Gold Money Market Savings $50,000 1.243% 1.250%
Membership Savings $100 0.010% 0.010%
Special Savings $0 0.010% 0.010%
Christmas Club $0 0.010% 0.010%
Health Savings Account (HSA) $0 0.010% 0.010%

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. For Membership Savings,  Gold Money Market, Platinum Money Market,  Special Savings, Health Savings and Christmas Club, accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic, or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed.

Health Savings accounts are subject to limitations and/or penalties by the Internal Revenue Service.

CertificatesLearn More

Term Minimum Opening Deposit Dividend Rate APY

6 Year

$200

1.884%

1.900%

5 Year

$200

1.736%

1.750%

4 Year

$200

1.490%

1.500%

3 Year

$200

1.440%

1.450%

30 Month

$200

1.391%

1.400%

2 Year

$200

1.342%

1.350%

18 Month

$200 

1.243%

1.250%

1 Year

$200 

0.747%

0.750%

6 Month

$200 

0.499%

0.500%

91 Day

$200

0.349%

0.350%

60 Day

$200

0.300%

0.300%

30 Day

$200

0.250%

0.250%

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 Dividend Period is the calendar month, the Dividend Frequency is monthly, and the Dividends are compounded monthly.  Penalty for early withdrawal. Fees may reduce earnings. Minimum $200.00 deposit.  Rates are subject to change without notice.

Step Up CertificatesLearn More

Term Minimum Opening Deposit Dividend Rate APY
6 Year $200 1.884% 1.900%
5 Year $200 1.736% 1.750%
4 Year $200  1.490% 1.500%
3 Year $200 1.440% 1.450%
30 Month $200 1.391% 1.400%
2 Year $200  1.342% 1.350%
18 Month $200  1.243% 1.250%
1 Year $200 0.747% 0.750%
6 Month $200 0.499% 0.500%
91 Day $200 0.349% 0.350%

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 Dividend Period is the calendar month, the Dividend Frequency is monthly, and the Dividends are compounded monthly.  Penalty for early withdrawal. Fees may reduce earnings. Minimum $200.00 deposit.  Rates are subject to change without notice.

IRA SavingsLearn More

Account Minimum Balance Rate APY
IRA Financial Management Account $100,000.01+ 0.399% 0.400%
IRA Financial Management Account $50,000.01 - $100,000 0.349% 0.350%
IRA Financial Management Account $25,000.01 - $50,000 0.200% 0.200%
IRA Financial Management Account $10,000.01 - $25,000 0.100% 0.100%
IRA Money Market Savings $0 0.050% 0.050%
IRA Financial Management Account up to $10,000 0.010% 0.010%
IRA Savings $0 0.010% 0.010%

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. For IRA Savings and IRA Money Market, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic, or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed. IRA Savings, IRA Money Market, and IRA Financial Management, accounts are subject to limitations and/or penalties by the Internal Revenue Service.

IRA CertificatesLearn More

Term Minimum Opening Deposit Dividend Rate APY
6 Year $200 2.129% 2.150%
5 Year $200 1.982% 2.000%
4 Year $200 1.736% 1.750%
3 Year $200 1.687% 1.700%
30 Month $200 1.638% 1.650%
2 Year $200 1.588% 1.600%
18 Month $200 1.490% 1.500%
1 Year $200 0.995% 1.000%
6 Month $200 0.747% 0.750%
91 Day $200 0.598% 0.600%
30 Day $200 0.499% 0.500%

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 Dividend Period is the calendar month, the Dividend Frequency is monthly, and the Dividends are compounded monthly.  Penalty for early withdrawal. Fees may reduce earnings. Minimum $200.00 deposit.  Rates are subject to change without notice.

IRA Step Up CertificatesLearn More

Term Minimum Opening Deposit Dividend Rate APY
6 Year

$200

2.129% 2.150%
5 Year

$200

1.982% 2.000%
4 Year $200 1.736% 1.750%
3 Year $200 1.687% 1.700%
30 Month $200 1.638% 1.650%
2 Year $200 1.588% 1.600%
18 Month $200  1.490% 1.500%
1 Year $200 0.995% 1.000%
6 Month $200 0.747% 0.750%
91 Day $200 0.598% 0.600%

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 Dividend Period is the calendar month, the Dividend Frequency is monthly, and the Dividends are compounded monthly.  Penalty for early withdrawal. Fees may reduce earnings. Minimum $200.00 deposit.  Rates are subject to change without notice.

Financial Management AccountLearn More

Balance Rate APY
$100,000.01+ 0.399% 0.400%
$50,000.01 - $100,000 0.349% 0.350%
$25,000.01 - $50,000 0.200% 0.200%
$10,000.01 - $25,000 0.100% 0.100%
Up to $10,000 0.010% 0.010%

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. Rates may vary and fees may reduce earnings.  For Financial Management Accounts (FMA), you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic, or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed.

Loan Rates

Mortgage RatesLearn More

Type Rate APR
10 Year Fixed Rate 3.375% 3.649%
15 Year Fixed Rate 3.375% 3.564%
20 Year Fixed Rate 3.750% 3.900%
30 Year Fixed Rate 3.875% 3.984%
No Closing Cost - 15 Year Fixed Rate 3.625% 3.817%
No Closing Cost - 20 Year Fixed Rate 4.000% 4.153%
No Closing Cost - 30 Year Fixed Rate 4.125% 4.236%
Retirement Ready - 5 Year Fixed Rate 2.875% 3.392%
Retirement Ready - 10 Year Fixed Rate 3.000% 3.269%
FHA - 15 Year Fixed Rate 3.375% 4.484%
FHA - 30 Year Fixed Rate 3.875% 4.716%
FHA No Closing Cost - 15 Year Fixed Rate 3.625% 4.739%
FHA No Closing Cost - 30 Year Fixed Rate 4.125% 4.974%
Adjustable Rate Program - 3/1 ARM 3.000% 4.547%
Adjustable Rate Program - 5/1 ARM 3.125% 4.349%
Adjustable Rate Program - 7/1 ARM 3.375% 4.269%
Adjustable Rate Program - 5/5 ARM 3.875% 4.620%

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.

Rates effective as of September 30, 2019 and are subject to change without notice.

New Vehicle Purchase Rates (2020 - 2019)Learn 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. 2020 and 2019 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. 

Rates for vehicle refinancing may be different.  Please contact a Lending Expert for more details at (800) 826-5465.

Used Vehicle Purchase Rates (2019 - 2014)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 2014 or newer. Used Vehicles 2010 and older have a maximum term of 60 months.

Rates for vehicle refinancing may be different.  Please contact a Lending Expert for more details at (800) 826-5465.

Used Vehicle Purchase Rates (2013 - 2011)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 2011 or newer. Used Vehicles 2010 and older have a maximum term of 60 months.

Rates for vehicle refinancing may be different.  Please contact a Lending Expert for more details at (800) 826-5465.

Used Vehicle Purchase Rates (2010 and older)Learn More

Term APR
48 months or less 4.25%
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 2010 and older have a maximum term of 60 months.

Rates for vehicle refinancing may be different.  Please contact a Lending Expert for more details at (800) 826-5465.

Classic Vehicles / Motorcycles / Recreational Vehicles

Type Term APR
Classic Vehicles 48 months or less 5.00%
New Harley/Goldwing Motorcycles 60 months or less 4.75%
New Harley/Goldwing Motorcycles 60 - 66 months 5.00%
New Harley/Goldwing Motorcycles 67 - 72 months 5.25%
Used Harley/Goldwing Motorcycles 60 months or less 5.50%
New Recreational Vehicles (Motorhomes, Campers, Boats) 60 months or less 5.75%
New Recreational Vehicles (Motorhomes, Campers, Boats) 61 - 84 months 6.75%
Used Recreational Vehicles (Motorhomes, Campers, Boats) 60 months or less 6.25%
Used Recreational Vehicles (Motorhomes, Campers, Boats) 61 - 84 months 7.00%
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 9.99% - 17.99%
Visa Platinum Rewards 13.99%
Share Secured Platinum Visa 17.99%

Annual Percentage Rate (APR). Rates are based on evaluation of credit history so rate may differ.  No annual fee.  Cash advance fee is $5.00 or 4.00% of the amount of each cash advance, whichever is greater. 

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%

Annual Percentage Rate (APR). Rates are based on evaluation of credit history so the rate may differ. 

Home Equity LoansLearn More

Type Revolving Line
Powerhouse Prime + zero 4.00% floor 4.75%

Annual Percentage Rate (APR). Rates are based on evaluation of credit history so rate may differ. 

A Home Equity Line of Credit (HELOC) is a variable rate product.  APR adjusts quarterly based on the Prime Rate as published in the Wall Street Journal.  Value of your home is determined by estimating the appreciation value of your property since the opening date of your mortgage. The estimated value of your home and Available Home Equity Line amount may change based on the application date. A free current Automated Evaluation Method or assessed value will be obtained on the application date to finalize Line Amount. This value, less any outstanding mortgage loan balances, will be used to determine available equity. Combined Loan to Value (LTV) not to exceed 100%. Maximum Credit limit $250,000.  No closing costs for 2nd lien position.  Minimum Monthly Payment is 1% of loan balance or $50.00, whichever is greater, during the draw period. Draw period ends 5 years from date of closing. At the end of the draw period we will recalculate your payment. Your payment will be reset to pay the balance at the end of the draw period, at the current annual percentage rate, over 120 monthly payments. Offer subject to credit approval.  Primary residences only.  Not available in all states.  Not available for manufactured homes.  Property insurance is required.  Flood insurance may be required.  Payment does not include taxes or insurance.