Canyon View Credit Union offers low, competitive loan rates, with plenty of options that are sure to meet your needs. We can offer lower rates on loans because we are responsible to our members rather than shareholders and investors. That’s why more people turn to credit unions for higher dividends and lower loan rates.
Rates effective 11/01/2025
| Balance | Dividend Rate | APY* |
|---|---|---|
| $0 – $999 | 0.05% | 0.05% |
| $1,000+ | 0.10% | 0.10% |
*APY = Annual Percentage Yield. Rates are variable and subject to change. Fees may reduce earnings. A minimum balance of $10 in primary savings is required and must be maintained. Other restrictions may apply.
Rates effective 11/01/2025
| Balance | Dividend Rate | APY* |
|---|---|---|
| $0 – $4,999 | 0.10% | 0.10% |
| $5,000 – $9,999 | 0.15% | 0.15% |
| $10,000 – $19,999 | 0.25% | 0.25% |
| $20,000 – $49,999 | 0.30% | 0.30% |
| $50,000 – $99,999 | 0.40% | 0.40% |
| $100,000+ | 0.50% | 0.50% |
*APY = Annual Percentage Yield. Rates are variable and subject to change. Fees may reduce earnings. A minimum balance of $10 in primary savings is required and must be maintained. Other restrictions may apply.
| Balance | Dividend Rate | APY* |
|---|---|---|
| $0 – $4,999 | 0.60% | 0.60% |
| $5,000 – $9,999 | 0.80% | 0.80% |
| $10,000 – $24,999 | 1.04% | 1.05% |
| $25,000 – $49,999 | 1.29% | 1.30% |
| $50,000 – $99,999 | 1.59% | 1.60% |
| $100,000+ | 1.78% | 1.80% |
*APY = Annual Percentage Yield. Rates are variable and subject to change. Fees may reduce earnings. A minimum balance of $10 in primary savings is required and must be maintained. Other restrictions may apply.
| Balance | Dividend Rate | APY* |
|---|---|---|
| $0 – $4,999.99 | 0.75% | 0.75% |
| $5,000 – $9,999.99 | 0.99% | 1.00% |
| $10,000 – $24,999.99 | 1.24% | 1.25% |
| $25,000 – $49,999.99 | 1.69% | 1.70% |
| $50,000 – $99,999.99 | 2.08% | 2.10% |
| $100,000 – $149,999.99 | 2.76% | 2.80% |
| $150,000 – $499,999.99 | 3.25% | 3.30% |
| $500,000 – $999,999.99 | 3.59% | 3.65% |
| $1,000,000+ | 3.87% | 3.95% |
*APY = Annual Percentage Yield. Rates are variable and subject to change. Fees may reduce earnings. A minimum balance of $10 in primary savings is required and must be maintained. Other restrictions may apply.
| Balance | Dividend Rate | APY* |
|---|---|---|
| $0 – $4,999.99 | 0.75% | 0.75% |
| $5,000 – $9,999.99 | 0.99% | 1.00% |
| $10,000 – $24,999.99 | 1.24% | 1.25% |
| $25,000 – $49,999.99 | 1.69% | 1.70% |
| $50,000 – $99,999.99 | 2.08% | 2.10% |
| $100,000 – $149,999.99 | 2.76% | 2.80% |
| $150,000 – $499,999.99 | 3.25% | 3.30% |
| $500,000 – $999,999.99 | 3.59% | 3.65% |
| $1,000,000+ | 3.87% | 3.95% |
Rates effective 11/01/2025
| Balance | Dividend Rate | APY* |
|---|---|---|
| $0+ | 1.98% | 2.00% |
*APY = Annual Percentage Yield. Rates are variable and subject to change. Fees may reduce earnings. The minimum opening balance is $10 and must be maintained. Other restrictions may apply. Not available for financial institutions or other institutional investors.
| Term | Dividend Rate | APY* |
|---|---|---|
| 6 months | 4.03% | 4.11% |
| 12 months | 4.03% | 4.11% |
| 18 months | 4.03% | 4.11% |
| 24 months | 3.93% | 4.00% |
| 30 months | 3.93% | 4.00% |
| 36 months | 4.03% | 4.11% |
| 48 months | 4.03% | 4.11% |
| 60 months | 4.07% | 4.15% |
*APY = Annual Percentage Yield. Rates are variable and subject to change. Fees may reduce earnings. The minimum opening balance for an HSA Certificate is $500. Early withdrawal penalties may apply. A minimum balance of $10 in primary savings is required and must be maintained. Other restrictions may apply. Not available for financial institutions or other institutional investors.
Rates effective 11/01/2025
| Term | Dividend Rate | APY* |
|---|---|---|
| 6 months | 4.03% | 4.11% |
| 12 months | 4.03% | 4.11% |
| 18 months | 4.03% | 4.11% |
| 24 months | 3.93% | 4.00% |
| 30 months | 3.93% | 4.00% |
| 36 months | 4.03% | 4.11% |
| 48 months | 4.03% | 4.11% |
| 60 months | 4.07% | 4.15% |
*APY = Annual Percentage Yield. Rates are variable and subject to change. Fees may reduce earnings. The minimum opening balance for an IRA Share Certificate is $500. Early withdrawal penalties may apply. See IRS guidelines for IRA rules. A minimum balance of $10 in primary savings is required and must be maintained. Other restrictions may apply.
| Term | Dividend Rate | APY* |
|---|---|---|
| 6 months | 3.93% | 4.00% |
| 12 months | 3.93% | 4.00% |
| 18 months | 3.94% | 4.01% |
| 24 months | 3.83% | 3.90% |
| 30 months | 3.83% | 3.90% |
| 36 months | 3.94% | 4.01% |
| 48 months | 3.94% | 4.01% |
| 60 months | 3.98% | 4.05% |
*APY = Annual Percentage Yield. Rates are variable and subject to change. Fees may reduce earnings. Bump option can be applied once per term to the prevailing CVCU rate; not retroactive. Min. $500. Early withdrawal penalties may apply. A minimum $10 primary savings balance is required. Other restrictions may apply. Not available for institutional investors.
| Balance | Dividend Rate | APY* |
|---|---|---|
| $0 – $4,999.99 | 0.75% | 0.75% |
| $5,000 – $9,999.99 | 0.99% | 1.00% |
| $10,000 – $24,999.99 | 1.24% | 1.25% |
| $25,000 – $49,999.99 | 1.49% | 1.50% |
| $50,000 – $99,999.99 | 2.08% | 2.10% |
| $100,000 – $149,999.99 | 2.32% | 2.35% |
| $150,000 – $499,999.99 | 2.57% | 2.60% |
| $500,000+ | 3.10% | 3.15% |
*APY = Annual Percentage Yield. Rates are variable and subject to change. Fees may reduce earnings. See IRS guidelines for IRA rules. A minimum $10 primary savings balance is required. Other restrictions may apply.
Rates effective 11/01/2025
| Term | Dividend Rate | APY* |
|---|---|---|
| 6 months | 4.03% | 4.11% |
| 12 months | 4.03% | 4.11% |
| 18 months | 4.03% | 4.11% |
| 24 months | 3.93% | 4.00% |
| 30 months | 3.93% | 4.00% |
| 36 months | 4.03% | 4.11% |
| 48 months | 4.03% | 4.11% |
| 60 months | 4.07% | 4.15% |
*APY = Annual Percentage Yield. Rates are variable and subject to change. Fees may reduce earnings. Min. $500 to open. Early withdrawal penalties may apply. A minimum $10 primary savings balance is required. Other restrictions may apply. Not available for institutional investors.
| Term | Dividend Rate | APY* |
|---|---|---|
| 6 months | 3.93% | 4.00% |
| 12 months | 3.93% | 4.00% |
| 18 months | 3.94% | 4.01% |
| 24 months | 3.83% | 3.90% |
| 30 months | 3.83% | 3.90% |
| 36 months | 3.94% | 4.01% |
| 48 months | 3.93% | 4.00% |
| 60 months | 3.98% | 4.05% |
*APY = Annual Percentage Yield. Rates are variable and subject to change. Fees may reduce earnings. Min. $500. One-time bump per term to prevailing CVCU rate; not retroactive. Auto-renews to a Regular Certificate of same term without bump. Min. $10 in primary savings required. Other restrictions may apply. Not available for institutional investors.
| Term | Dividend Rate | APY* |
|---|---|---|
| 3–5 months | 3.98% | 4.05% |
| 6–11 months | 4.03% | 4.11% |
| 12–17 months | 4.03% | 4.11% |
| 18–24 months | 4.03% | 4.11% |
| 36 months | 4.03% | 4.11% |
| 48 months | 4.07% | 4.15% |
| 60 months | 4.07% | 4.15% |
*APY = Annual Percentage Yield. Rates are variable and subject to change. Fees may reduce earnings. $10 minimum to open; aggregate limit $250,000; consumer accounts only. Automatically renews for same term. Early withdrawal penalties may apply. Min. $10 in primary savings required. Other restrictions may apply.
| Term | Dividend Rate | APY* |
|---|---|---|
| 12-Month Access | 3.93% | 4.00% |
APY = Annual Percentage Yield. Rates are variable and subject to change. Fees may reduce earnings. Min. $500; consumer only; balance must not fall below $100 to keep account open. One penalty-free withdrawal per calendar quarter. Early withdrawal penalties may apply. Other restrictions may apply. Not available for institutional investors.
Loan rates are based on credit history and account relationship with Canyon View Credit Union. Annual Percentage Rate (APR) may change without notice.
Prime Rate as of 11/01/2025 is 7.00%.
| Card | Variable APR As Low As | APR As Low As |
|---|---|---|
| Visa Crimson Card | 11.74% | N/A |
| Visa Crimson Rewards Card | 12.24% | N/A |
| Visa Student Rewards Card | 17.99% | N/A |
| Visa Secure Card | 13.49% | 13.49% |
| Visa Business Rewards Card | 13.74% | N/A |
*APR = Annual Percentage Rate. Rates are variable and subject to change. Credit line and rate are based on creditworthiness and card type and are subject to approval. Although there are no annual fees, other fees may apply. See Fees for foreign transaction details. Other restrictions may apply.
| Term | Fixed APR |
|---|---|
| 66 months | As low as 4.89% |
| 75 months ($10,000 min.) | As low as 5.14% |
| 84 months ($15,000 min.) | As low as 5.89% |
Length of term and rate will determine the total interest you will pay over the life of the loan. For example, a 60-month auto loan at 5.14% for $10,000 would result in a monthly payment of approximately $189.41. Advertised rate includes a 0.25% rate discount for 2022 or newer vehicle with ≤90% LTV. Loan terms are based on creditworthiness and are subject to approval. Other restrictions may apply.
| Term | Fixed APR |
|---|---|
| Up to 84 months | As low as 7.89% |
| Up to 120 months | As low as 8.39% |
| Up to 144 months | As low as 8.64% |
| Up to 180 months (10-year maturity) | As low as 8.89% |
For example, a 120-month RV loan at 8.39% for $20,000 would result in a monthly payment of approximately $246.85 and total interest charges of approximately $9,621.67. Loan terms are based on creditworthiness and are subject to approval. Other restrictions may apply.
| Amount | Term | Fixed APR |
|---|---|---|
| Under $2,000 | 24 months | As low as 12.24% |
| Under $2,000 | 36 months | As low as 12.49% |
| Under $5,000 | 48 months | As low as 12.74% |
| $5,000+ | 60 months | As low as 12.99% |
No down payment or collateral is required. Example: A loan with a 12.99% APR and 60-month term has a minimum payment of approximately $22.76 per $1,000 borrowed. Loan terms are based on creditworthiness and are subject to approval. Other restrictions may apply.
| Type | Term | Fixed APR |
|---|---|---|
| Shared Secured | 60 months | Rate of savings + 4.00% |
| Certificate Secured | Maximum of Certificate | Certificate rate + 4.00% |
*APR = Annual Percentage Rate. Example payment: 4.96% APR, 60-month term ≈ $19.04 per $1,000 borrowed. Terms based on creditworthiness; subject to approval. Other restrictions may apply.
| Loan to Value | Minimum Variable APR | Maximum Variable APR |
|---|---|---|
| 60% LTV | As low as 6.50% | 18.00% |
| 70% LTV | As low as 7.00% | 18.00% |
| 80% LTV | As low as 7.50% | 18.00% |
| 85% LTV | As low as 8.50% | 18.00% |
| 90% LTV | As low as 10.00% | 18.00% |
| 95% LTV | As low as 11.25% | 18.00% |
*APR = Annual Percentage Rate. Primary residence only. 10-year draw + 10-year repayment; $5,000 minimum line; $100 minimum advance. Fees may range $10–$8,000 and may be recouped if closed within 24 months. Variable rate = Prime + margin; min 3.74%, max 18.00%. Minimum payment ≥ $50. Up to 95% LTV or $250,000. Subject to approval; terms depend on creditworthiness and equity. Consult a tax advisor regarding deductibility. Other restrictions may apply.
| Term | 80% LTV | 90% LTV | 95% LTV |
|---|---|---|---|
| 5 Years | 6.99% APR* | 7.99% APR* | 9.24% APR* |
| 7 Years | 7.24% APR* | 8.24% APR* | 9.49% APR* |
| 10 Years | 7.24% APR* | 8.24% APR* | 9.49% APR* |
| 12 Years | 7.49% APR* | 8.49% APR* | 9.74% APR* |
| 15/6 | 7.49% APR* | 8.49% APR* | 9.74% APR* |
| 20/6 | 7.74% APR* | 8.74% APR* | 9.99% APR* |
Loans subject to approval; terms depend on creditworthiness and equity. Example: $100,000 at 80% LTV, 10-year term, 7.24% APR → min payment ≈ $938.79. See Loan Calculators for specifics. Homeowner Insurance required. Consult a tax advisor regarding deductibility. Other restrictions may apply.
| Term | 60% LTV | 70% LTV | 80% LTV |
|---|---|---|---|
| 5 years | 4.74% APR* | 4.99% APR* | 5.24% APR* |
| 7 years | 4.99% APR* | 5.24% APR* | 5.49% APR* |
| 10 years | 5.24% APR* | 5.49% APR* | 5.74% APR* |
| 12 years | 5.74% APR* | 5.99% APR* | 6.24% APR* |
Loans subject to credit approval. Requires ≥20% down payment. Example: $500,000 purchase at 80% LTV requires $100,000 down. $400,000 at 6.24% APR for 12 years → $3,953.26/mo (taxes/insurance not included). Closing costs waived include origination, processing, underwriting, tax service, appraisal, credit report, and title fees. Hard costs may be due if paid off within two years for HELOC, Equity Loan, or No-Fee First Mortgage. No prepayment penalty. Other restrictions may apply.
| Terms | Origination Fee | APR |
|---|---|---|
| 10, 15, 20, 30 Year | Yes** | Up to 95% LTV Loan-to-values over 80% require mortgage insurance |
*Loans subject to credit approval; terms depend on creditworthiness and equity. Owner-occupied primary residence only. Example: $500,000 purchase at 97% LTV → $15,000 down. $485,000 at 7.00% (7.511% APR) for 30 years → $3,226.72/mo (taxes/insurance not included). Consult a tax advisor for deductibility. Homeowner’s insurance required. Some fees $10–$8,000. Membership required and min. $10 in primary savings must be maintained. Other restrictions may apply.
**Costs include title insurance, appraisal, processing, underwriting, recording fees, etc. Interest not included. Contact a loan specialist.
For competitive rates and terms call (801) 481-8840
| Fee Type | Fee |
|---|---|
| Closing Fee (Only if account is closed within 180 days of opening) | $10 |
| Fee Type | Fee |
|---|---|
| NSF / Overdrawn ACH / Overdrawn VISA* | $25/item |
| Overdraft Privilege Fee / ODP Fee (Max 5 per day)* | $25/item |
| Stop Payment Fee | $15/request |
| Check Image Research | $2/check |
| Fee Type | Fee |
|---|---|
| Inactive Account Fee (Only Primary Savings, inactive ≥12 months, balance <$100) | $5/month |
| Dormant Account Fee* (Invalid address and inactive ≥12 months) | $5/month |
| Fee Type | Fee |
|---|---|
| Account Reconciliation / Research | $20/hour |
| Cashier's Check | $1/check |
| Payment from Other Institution by Phone or In Person | $10/transaction |
| Payment from Other Institution Online | $4.95/transaction |
| Items Sent for Collection** (Based on processing FI) | See Note** |
| Foreign Check Deposits | $15/item |
| Legal Process Fee (Garnishment / Tax Levies) | $15/occurrence |
| Money Order | $1.50/item |
| Returned ACH Fee* | $25/item |
| Returned Deposit Fee | $10/item |
| Returned Mail Fee (Waived with balance > $1,000) | $2/month |
| Statement Mailed Monthly Fee (eChecking and Rewards Checking) | $2/month |
| Statement Copy Fee (Per quarter prior to previous quarter) | $2/copy |
| Temporary Checks | $1/sheet of 5 |
| Wire Transfer Fee (Incoming) | $10/transfer |
| Wire Transfer Fee Domestic (Outgoing) | $15/transfer |
| International Wire Transfer Fee (Outgoing) | $35/transfer |
| Lost Plastic Card Replacement | $5/card |
| Visa Gift Cards | $2.95/card |
| Visa Travel Cards ($2.95 per additional card tied to same limit) | $8.95/card |
| Visa Travel Card Reload | $2.95/reload |
| Stop Payment (on a Cashier's Check) | $15/request |
| Skip-A-Pay Fee | $25/per item |
| Cash Advance | 1.50% of each cash advance |
| Fee Type | Fee |
|---|---|
| ATM Transaction Fee (ATMs not in CO-OP Network) | $2/transaction |
| ISA VISA International Service Assessment (Transactions initiated in a foreign currency) | 1.00% per transaction |
| Credit/Debit Card Foreign Transaction Fees (see Terms and Agreements) | — |
| Fee Type | Fee |
|---|---|
| Transactions (Includes deposits, drafts cleared, checks received) | 15¢ in excess of 200 (per month) |
| Cash Handling (Other fees may apply based on volume) | 0.05% after the first $10,000 per month |
| Fee Type | Fee |
|---|---|
| Maintenance Fee | $10/month |
| Transactions (Includes deposits, checks cleared, etc.) | 10¢ per transaction |
| Cash Handling (Other fees may apply based on volume) | 0.03% after the first $10,000 per month |
| Fee Type | Fee |
|---|---|
| Returned Deposit Fee | $3/item |
| Printed Statement Option | $2/month |
| Same Day ACH | $3/item |
| ACH Origination Capabilities (Debits & Credits) | $20/month |
*This fee does not apply to Simply Spend Checking.
**The amount deposited depends on the exchange rate at the time of the transaction; there may also be processing fees. Collection items may incur a fee of $50.00 or more.
