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Alta Vista
Mobile Banking App

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Alta Vista
Mobile Banking App

Free - On the App Store

Checking Rates

Rates Effective as of: 02-23-2024

Prestige Checking

Prestige Checking (Dividend Bearing)
Dividend PeriodMonthly
Minimum Opening Deposit$25.00
APR/APYMinimum Balance Required to Earn Stated APY
0.10/0.10$2,500.00 - $9,999.99
0.10/0.10$10,000.00 - $24,999.99
0.10/0.10$25,000.00 or greater

Service Fees: Monthly service fee of $10.00/month.

This is not a full disclosure. Additional restrictions may apply.
See the full disclosure for details on all Checking accounts.

Rates are subject to change without notice.

Rates Effective as of: 02-23-2024

Prime Checking

Prime Checking (Non-Dividend Bearing)
Minimum Opening Deposit $25.00

Service Fees: Monthly service fee of $6.00/month.

This is not a full disclosure. Additional restrictions may apply.
See the full disclosure for details on allChecking accounts.

Rates are subject to change without notice.

Rates Effective as of: 02-23-2024

Pro Checking

Pro Checking (Non-Dividend Bearing)
Minimum Opening Deposit $25.00

Service Fees: Free

This is not a full disclosure. Additional restrictions may apply.
See the full disclosure for details on all Checking accounts.

Rates are subject to change without notice.

Savings Rates

Rates Effective as of: 02-23-2024

Regular Savings

Regular Savings
Dividend Period Monthly
Minimum Opening Deposit $25.00
APR/APY Minimum Balance Required to Earn Stated APY
0.10/0.10 $25.00 - $9,999.99
0.10/0.10 $25,000.00 - $34,999.99
0.10/0.10 $35,000.00 - $49,999.99
0.20/0.20 $50,000.00 or greater

Service Fees: Fee amounts will vary with your monthly balance. The monthly service fee is waived with a $500.00 minimum balance, an active AVCU checking account or AVCU loan.

This is not a full disclosure. Additional restrictions may apply.
See the full disclosure for details on all Savings accounts.

Rates are subject to change without notice.

Rates Effective as of: 02-23-2024

Vista Savers Savings (Ages 0-17)

Vista Savers Savings (Ages 0-17)
Dividend Period Monthly
Minimum Opening Deposit $25.00
APR/APY Minimum Balance Required to Earn Stated APY
0.10 $25.00

This is not a full disclosure. Additional restrictions may apply.
See the full disclosure for details on all Savings accounts.

Rates are subject to change without notice.

Rates Effective as of: 02-23-2024

Holiday Club

Holiday Club
Dividend Period Monthly
Minimum Opening Deposit $10.00
APR/APY Minimum Balance Required to Earn Stated APY
3.25/3.30$5.00

This is not a full disclosure. Additional restrictions may apply.
See the full disclosure for details on all Savings accounts.

Rates are subject to change without notice.

Rates Effective as of: 02-23-2024

Traditional/Roth IRA Savings

Traditional/Roth IRA Savings
Dividend Period Monthly
Minimum Opening Deposit $25.00
APR/APY Minimum Balance Required to Earn Stated APY
0.50/0.50$25.00 - $9,999.99
0.50/0.50$10,000.00 - $24,999.99
0.50/0.50$25,000.00 - $34,999.99
0.50/0.50$35,000.00 - $49,999.99
0.50/0.50$50,000.00 or greater

This is not a full disclosure. Additional restrictions may apply.
See the full disclosure for details on allTraditional/Roth IRA Savings accounts.

Rates are subject to change without notice.

Money Market Rates

Premier Money Markets

Premier Money Markets
Dividend Period Monthly
Minimum Opening Deposit $2,000.00
APR/APY Minimum Balance Required to Earn Stated APY
1.00/1.00$2,000.00 - $19,999.99
1.00/1.00$20,000.00 or greater

Service Fees: Monthly service fee of $10.00/mo. This fee is waived with a $2,000.00 minimum daily balance.

This is not a full disclosure. Additional restrictions may apply.
See the full disclosure for details on all Money Market account.

Rates are subject to change without notice.

Rates Effective as of: 02-23-2024

Platinum Money Markets

Platinum Money Markets
Dividend Period Monthly
Minimum Opening Deposit $20,000.00
APR/APY Minimum Balance Required to Earn Stated APY
1.49/1.50$20,000.00 - $49,999.99
1.49/1.50$50,000.00 - $99,999.99
1.49/1.50$100,000.00 - $199,999.99
1.49/1.50$200,000.00 or greater

Service Fees: Monthly service fee of $10.00/mo. This fee is waived with a $20,000.00 minimum daily balance.

This is not a full disclosure. Additional restrictions may apply.
See the full disclosure for details on all Money Market account.

Rates are subject to change without notice.

Share Certificate Rates

Rates Effective as of: 02-23-2024

Share Certificates

TermsAPRAPY*
6 Months4.89%5.00%
12 Months4.89%5.00%
18 Months3.69%3.75%
24 Months1.00%1.00%
36 Months1.49%1.50%
60 Months1.74%1.75%

This is not a full disclosure. Additional restrictions may apply.
See the full disclosure for details on all Share Certificate accounts.

Rates Effective as of: 02-23-2024

Youth Share Certificates

TermsAPRAPY*
6 Months4.89%5.00%
12 Months4.89%5.00%
24 Months1.00%1.00%

This is not a full disclosure. Additional restrictions may apply.
See the full disclosure for details on all Share Certificate accounts.

Rates Effective as of: 02-23-2024

Traditional/Roth IRA Share Certificates

TermsAPRAPY*
12 Months3.45%3.51%
18 Months3.69%3.75%
24 Months1.00%1.00%
36 Months1.49%1.50%
60 Months1.74%1.75%

This is not a full disclosure. Additional restrictions may apply.
See the full disclosure for details on all Share Certificate accounts.

Vehicle Loan Rates

Rates Effective as of: 02-23-2024

New/Used Vehicle Loans

New/Used Autos 2019 - 2023 Models ♦ ◊
48 months 6.24% APR*
60 months 6.49% APR*
72 months 6.99% APR*
84 months 7.49% APR*

The following rates are Alta Vista Credit Union’s best loan rates based on approved credit.

$10,000 minimum loan amount for 60 months
$15,000 minimum loan amount for 72 months
$20,000 minimum loan amount for 84 months

♦ Rates listed are Annual Percentage Rates (APR) and are the current lowest rates based on approved credit. Borrower's actual rate may be different based on terms and conditions, and credit history.

◊ Adjustments will be made based on LTV, mileage and age of collateral.

*Lowest rate quoted with e-statements and automatic payment from Alta Vista Credit Union Account (excludes Share Secured, Share Certificate Secured, VISA and Home Equity products)

Rates Effective as of: 02-23-2024

Used Vehicle Loans

Used Autos 2014 - 2018 Models ♦ ◊
48 months 6.99% APR*
60 months 7.49% APR*
72 months 7.99% APR*

The following rates are Alta Vista Credit Union’s best loan rates based on approved credit.

$10,000 minimum loan amount for 60 months
$15,000 minimum loan amount for 72 months

♦ Rates listed are Annual Percentage Rates (APR) and are the current lowest rates based on approved credit. Borrower's actual rate may be different based on terms and conditions, and credit history.

◊ Adjustments will be made based on LTV, mileage and age of collateral.

*Lowest rate quoted with e-statements and automatic payment from Alta Vista Credit Union Account (excludes Share Secured, Share Certificate Secured, VISA and Home Equity products)

Rates Effective as of: 02-23-2024

Classic Vehicle Loans

Classic Autos 20 Years or Older ♦ ◊
48 months7.74% APR*
60 months 8.24% APR*
72 months 8.49% APR*
84 months 9.49% APR*

The following rates are Alta Vista Credit Union’s best loan rates based on approved credit.

$18,000 minimum loan amount for 72 months
$35,000 minimum loan amount for 84 months

♦ Rates listed are Annual Percentage Rates (APR) and are the current lowest rates based on approved credit. Borrower's actual rate may be different based on terms and conditions, and credit history.

◊ Adjustments will be made based on LTV, mileage and age of collateral.

*Lowest rate quoted with e-statements and automatic payment from Alta Vista Credit Union Account (excludes Share Secured, Share Certificate Secured, VISA and Home Equity products)

Rates Effective as of: 02-23-2024

New Motorcycle Loans ( Street Legal Only )

New - Current Year Model ♦ ◊
48 months 6.74% APR*
60 months 7.24% APR*
72 months 7.49% APR*
84 months 8.49% APR*

The following rates are Alta Vista Credit Union’s best loan rates based on approved credit.

$6,000 minimum loan amount for 48 months
$10,000 minimum loan amount for 60 months
$15,000 minimum loan amount for 72 months
$20,000 minimum loan amount for 84 months

♦ Rates listed are Annual Percentage Rates (APR) and are the current lowest rates based on approved credit. Borrower's actual rate may be different based on terms and conditions, and credit history.

◊ Adjustments will be made based on LTV, mileage and age of collateral.

*Lowest rate quoted with e-statements and automatic payment from Alta Vista Credit Union Account (excludes Share Secured, Share Certificate Secured, VISA and Home Equity products)

Rates Effective as of: 02-23-2024

Used Motorcycle Loans ( Street Legal Only )

Used - 7 Years or Newer ♦ ◊
48 months 7.99% APR*
60 months 8.24% APR*
72 months 8.49% APR*
84 months 9.49% APR*

The following rates are Alta Vista Credit Union’s best loan rates based on approved credit.

$6,000 minimum loan amount for 48 months
$10,000 minimum loan amount for 60 months
$15,000 minimum loan amount for 72 months
$20,000 minimum loan amount for 84 months

♦ Rates listed are Annual Percentage Rates (APR) and are the current lowest rates based on approved credit. Borrower's actual rate may be different based on terms and conditions, and credit history.

◊ Adjustments will be made based on LTV, mileage and age of collateral.

*Lowest rate quoted with e-statements and automatic payment from Alta Vista Credit Union Account (excludes Share Secured, Share Certificate Secured, VISA and Home Equity products)

Rates Effective as of: 02-23-2024

New Motorcycle Loans ( Touring – Honda Goldwing, BMW, Harley-Davidson, Trikes )

New - Current Year Model ♦ ◊
48 months 5.49% APR*
60 months 5.99% APR*
72 months 6.49% APR*
84 months 6.99% APR*

The following rates are Alta Vista Credit Union’s best loan rates based on approved credit.

$10,000 minimum loan amount for 48 and 60 months
$15,000 minimum loan amount for 72 months
$20,000 minimum loan amount for 84 months

♦ Rates listed are Annual Percentage Rates (APR) and are the current lowest rates based on approved credit. Borrower's actual rate may be different based on terms and conditions, and credit history.

◊ Adjustments will be made based on LTV, mileage and age of collateral.

*Lowest rate quoted with e-statements and automatic payment from Alta Vista Credit Union Account (excludes Share Secured, Share Certificate Secured, VISA and Home Equity products)

Rates Effective as of: 02-23-2024

Used Motorcycle Loans ( Touring – Honda Goldwing, BMW, Harley-Davidson, Trikes )

Used - 7 Years or Newer ♦ ◊
48 months 7.24% APR*
60 months 7.49% APR*
72 months 7.74% APR*
84 months 7.99% APR*

The following rates are Alta Vista Credit Union’s best loan rates based on approved credit.

$10,000 minimum loan amount for 48 and 60 months
$15,000 minimum loan amount for 72 months
$20,000 minimum loan amount for 84 months

♦ Rates listed are Annual Percentage Rates (APR) and are the current lowest rates based on approved credit. Borrower's actual rate may be different based on terms and conditions, and credit history.

◊ Adjustments will be made based on LTV, mileage and age of collateral.

*Lowest rate quoted with e-statements and automatic payment from Alta Vista Credit Union Account (excludes Share Secured, Share Certificate Secured, VISA and Home Equity products)

Rates Effective as of: 02-23-2024

New Off-Road/Watercraft Loans

New - Current Year Model ♦ ◊
60 months 9.24% APR*
72 months 9.49% APR*
84 months9.74% APR*
120 months9.99% APR*
144 months10.24% APR*

The following rates are Alta Vista Credit Union’s best loan rates based on approved credit.

$10,000 minimum loan amount for 60 months
$18,000 minimum loan amount for 84 months

♦ Rates listed are Annual Percentage Rates (APR) and are the current lowest rates based on approved credit. Borrower's actual rate may be different based on terms and conditions, and credit history.

◊ Adjustments will be made based on LTV, mileage and age of collateral.

*Lowest rate quoted with e-statements and automatic payment from Alta Vista Credit Union Account (excludes Share Secured, Share Certificate Secured, VISA and Home Equity products)

Rates Effective as of: 02-23-2024

Used Off-Road/Watercraft Loans

Used - 5 Years or Newer ♦ ◊
60 months 10.24% APR*
72 months 10.74% APR*

The following rates are Alta Vista Credit Union’s best loan rates based on approved credit.

$10,000 minimum loan amount for 60 months
$18,000 minimum loan amount for 72 months

♦ Rates listed are Annual Percentage Rates (APR) and are the current lowest rates based on approved credit. Borrower's actual rate may be different based on terms and conditions, and credit history.

◊ Adjustments will be made based on LTV, mileage and age of collateral.

*Lowest rate quoted with e-statements and automatic payment from Alta Vista Credit Union Account (excludes Share Secured, Share Certificate Secured, VISA and Home Equity products)

Rates Effective as of: 02-23-2024

RV (Including Motorhomes, Trailers, 5th wheels)

2016 or Newer ♦ ◊
60 months 7.24% APR*
72 months 8.24% APR*
84 months 8.99% APR*
120 months 9.49% APR*
144 months 9.99% APR*

The following rates are Alta Vista Credit Union’s best loan rates based on approved credit.

$15,000 minimum loan amount for 72 months
$20,000 minimum loan amount for 84 months
$35,000 minimum loan amount for 120 months
$50,000 minimum loan amount for 144 months

♦ Rates listed are Annual Percentage Rates (APR) and are the current lowest rates based on approved credit. Borrower's actual rate may be different based on terms and conditions, and credit history.

◊ Adjustments will be made based on LTV, mileage and age of collateral.

*Lowest rate quoted with e-statements and automatic payment from Alta Vista Credit Union Account (excludes Share Secured, Share Certificate Secured, VISA and Home Equity products)

Personal Loan Rates

Rates Effective as of: 02-23-2024

Personal Loans

Personal Loan ♦
36 months 10.25% APR*
60 months 11.74% APR*

The following rates are Alta Vista Credit Union’s best loan rates based on approved credit.

♦ Rates listed are Annual Percentage Rates (APR) and are the current lowest rates based on approved credit. Borrower's actual rate may be different based on terms and conditions, and credit history.

Rates Effective as of: 02-23-2024

Regular Shared Secured Loans

Regular Shared Secured (Variable Rate)
12 - 120 months 4.00%* APR
*4.00% above highest dividend rate

The following rates are Alta Vista Credit Union’s best loan rates based on approved credit.

*Lowest rate quoted with e-statements and automatic payment from Alta Vista Credit Union Account (excludes Share Secured, Share Certificate Secured, VISA and Home Equity products)

Rates Effective as of: 02-23-2024

Share Certificate Secured Loan

Share Certificate Secured (Fixed Rate)
up to 60** months 4.00%* APR
*Rate for Share Certificate = Share Certificate + Margin
**Loan matures with Share Certificate

The following rates are Alta Vista Credit Union’s best loan rates based on approved credit.

*Lowest rate quoted with e-statements and automatic payment from Alta Vista Credit Union Account (excludes Share Secured, Share Certificate Secured, VISA and Home Equity products)

Rates Effective as of: 02-23-2024

QuickCash Loans

QuickCash Loans
3 months 28% APR
$1,000 maximum loan amount

The following rates are Alta Vista Credit Union’s best loan rates based on approved credit.

Rates Effective as of: 02-23-2024

VISA Credit Cards

VISA Credit Cards
Platinum VISA

13.75% APR

Classic VISA

14.99% APR

Secured VISA

15.90% APR