Primary, Secondary, & Christmas Club Savings
Rates effective 10/01/2025
| Balance | Dividend Rate | APY* |
|---|---|---|
| $0 - $999 | 0.05% | 0.05% |
| $1,000+ | 0.10% | 0.10% |
Competitive Rates
Credit Union Rates & Fees
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.
Savings Rates
Loan Rates
Savings Rates
Dividends Checking
Rates effective 10/01/2025
| Balance | Dividend Rate | APY* |
|---|---|---|
| $0 - $4999 | 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.
Business Money Market Checking
Rates effective 10/01/2025
| 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% |
Business High-Yield Money Market
Rates effective 10/01/2025
| Balance | Dividend Rate | APY* |
|---|---|---|
| $0 - $4999.99 | 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 | 1.73% | 1.75% |
| $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 | 3.63% | 3.70% |
| $1,000,000 + | 3.92% | 4.00% |
High Yield Money Market Accounts
Rates effective 10/01/2025
| Balance | Dividend Rate | APY* |
|---|---|---|
| $0 - $4999.99 | 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 | 1.73% | 1.75% |
| $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 | 3.63% | 3.70% |
| $1,000,000 + | 3.92% | 4.00% |
*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..
HSA Accounts
Rates effective 10/01/2025
HSA High Yield Primary Savings
| 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.
HSA Certificates
| Term | Dividend Rate | APY* |
|---|---|---|
| 6 months | 4.12% | 4.20% |
| 12 months | 4.07% | 4.15% |
| 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 | 4.07% | 4.15% |
| 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. You may incur a
penalty should you choose to withdraw your money before the completion of the term. 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..
IRA Accounts
Rates effective 10/01/2025
IRA Share Certificates
| Term | Dividend Rate | APY* |
|---|---|---|
| 6 months | 4.12% | 4.20% |
| 12 months | 4.07% | 4.15% |
| 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 | 4.07% | 4.15% |
| 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. You may incur a
penalty should you choose to withdraw your money before the completion of the term. See IRS guidelines
for IRA rules about contributions, withdrawals and how to avoid withdrawal penalties. A minimum balance
of $10 in primary savings is required and must be maintained. Other restrictions may apply..
IRA Bump Share Certificates
| Term | Dividend Rate | APY* |
|---|---|---|
| 6 months | 4.03% | 4.11% |
| 12 months | 3.98% | 4.05% |
| 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 | 3.98% | 4.05% |
| 60 months | 3.98% | 4.05% |
*APY = Annual Percentage Yield. Rates are variable and subject to change. Fees may reduce earnings. The minimum balance for an IRA Bump Share Certificate is $500. You may incur a penalty should you choose to withdraw your money before the completion of the term. Rate and bump cannot be applied to previously opened term deposits. Rate increase (bump) must be initiated by member during the term of the deposit. Canyon View Credit Union will not automatically increase the rate on the account and is not responsible for notifying members of rate fluctuations. Bump option can be applied only once during the term. Bump option pertains to the prevailing Canyon View Credit Union Credit Union term deposit rate and will be in effect for the remainder of the term only. New dividend rate will not be applied retroactively. See IRS guidelines for IRA rules about contributions, withdrawals and how to avoid withdrawal penalties. 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.
.
IRA Accumulator Account
| Balance | Dividend Rate | APY* |
|---|---|---|
| $0 - $4999.99 | 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 about contributions, withdrawals and how to avoid
withdrawal penalties. A minimum balance of $10 in primary savings is required and must be maintained.
Other restrictions may apply..
Certificate Accounts
Rates effective 10/01/2025
Regular Share Certificates
| Term | Dividend Rate | APY* |
|---|---|---|
| 6 months | 4.12% | 4.20% |
| 12 months | 4.07% | 4.15% |
| 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 | 4.07% | 4.15% |
| 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 a Regular Certificate is $500. A minimum balance of $10 in
primary savings is required and must be maintained. You may incur a penalty should you choose to withdraw
your money before the completion of the term. Other restrictions may apply. Not available for financial
institutions or other institutional investors..
Regular Bump Share Certificates
| Term | Dividend Rate | APY* |
|---|---|---|
| 6 months | 4.03% | 4.11% |
| 12 months | 3.98% | 4.05% |
| 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 | 3.98% | 4.05% |
| 60 months | 3.98% | 4.05% |
*APY = Annual Percentage Yield. Rates are variable and subject to change. Fees may
reduce earnings. The minimum balance for a Regular Bump Certificate Rates is $500. You may incur a penalty
should you choose to withdraw your money before the completion of the term. Rate and bump cannot be
applied to previously opened term deposits. Rate increase (bump) must be initiated by member during the
term of the deposit. Canyon View Credit Union will not automatically increase the rate on the account and
is not responsible for notifying members of rate fluctuations. Bump option can be applied only once during
the term. The One-time Bump Share Certificate is not automatically renewable. At maturity, the One-time
Bump Certificate Account will renew to a Regular Certificate Account with the same term as the original,
without a one-time bump option, unless it is withdrawn within the 7-day grace period after maturity. Bump
option pertains to the prevailing Canyon View Credit Union Credit Union term deposit rate and will be in
effect for the remainder of the term only. New dividend rate will not be applied retroactively. 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..
Add-On Certificate*
| Term | Dividend Rate | APY* |
|---|---|---|
| 3-5 months | 4.12% | 4.20% |
| 6-11 months | 4.07% | 4.15% |
| 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. Add-On Certificate requires $10 minimum deposit to open with an aggregate limit of $250,000 and is only available on consumer accounts. Add-On Certificates automatically renew for the same term unless otherwise requested at maturity. Renewal notice will be provided prior to maturity. Early withdrawal penalties may apply and may reduce earnings and principal. A minimum balance of $10 in primary savings is required and must be maintained. Other restrictions may apply..
Other Share Certificates**
| Term | Dividend Rate | APY* |
|---|---|---|
| 12 month Access | 4.03% | 4.11% |
APY = Annual Percentage Yield. Rates are variable and subject to change. Fees may reduce earnings. The minimum opening balance for a 12-Month Access Certificate is $500 and is only available on consumer accounts. The 12-Month Access Certificate balance must not fall below $100 in order to keep the Access Certificate account open. Members are granted one penalty-free withdrawal during each calendar quarter. You may incur a penalty should you choose to withdraw your money before the completion of the term. Other restrictions may apply. Not available for financial institutions or other institutional investors.
Loan Rates
Loan rates are based on credit history and account relationship with Canyon View Credit Union. Annual Percentage Rate (APR) may change without notice.
VISA® Cards
Rates effective 10/01/2025
| Card | Variable APR As Low As | APR As Low As |
|---|---|---|
| Visa Crimson Card | 11.99% | n/a |
| Visa Crimson Rewards Card | 12.49% | n/a |
| Visa Student Rewards Card | 17.99% | n/a |
| Visa Secure Card | 13.49% | 13.49% |
| Visa Business Rewards Card | 13.99% | n/a |
*APR = Annual Percentage Rate. Rates are variable and subject to change. Credit line and rate are based on credit worthiness and card type and are subject to approval. Although there are no annual fees, other fees may apply. Click here for a full list of fees. Click here for a full list of fees. Other restrictions may apply. .
Auto Loans
Rates effective 10/01/2025
| 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 new vehicle with <= 90% Loan To Value . Loan terms are based on credit worthiness and are subject to approval. Other restrictions may apply.
Recreational Vehicle Loans
Rates effective 10/01/2025
| 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 with 10 year maturity date |
As low as 8.89% |
Length of term and rate will determine the total interest you will pay over the life of the loan. 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 credit worthiness and are subject to approval. Other restrictions may apply.
Personal Loans
Rates effective 10/01/2025
| Amount | Term | Fixed APR |
|---|---|---|
| Under $2,000 | 24 months | As low as 11.24% |
| Under $2,000 | 36 months | As low as 11.49% |
| Under $5,000 | 48 months | As low as 11.74% |
| $5,000+ | 60 months | As low as 11.99% |
No down payment or collateral is required. The monthly obligation will be determined by the total loan amount and the term and interest rate of the loan. For example, the minimum payment for a loan with a 11.99% APR and 60-month term is approximately $22.25 per $1,000 borrowed. Loan terms are based on credit worthiness and are subject to approval. Other restrictions may apply..
Miscellaneous Secured Loans
Rates effective 10/01/2025
| 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. No down payment or collateral (except for shares or certificate) is required. The monthly obligation will be determined by the total loan amount and the term and interest rate of the loan. For example, the minimum payment for a loan with a 4.96% APR and 60-month term is approximately $19.04 per $1,000 borrowed. Loan terms are based on credit worthiness and are subject to approval. Other restrictions may apply. .
Home Equity Line of Credit
Rates effective 10/01/2025
| Loan to Value | Minimum Variable APR | Maximum Variable APR |
|---|---|---|
|
60% LTV |
As low as 6.75% |
18.00% |
|
70% LTV |
As low as 7.25% |
18.00% |
|
80% LTV |
As low as 7.75% |
18.00% |
|
85% LTV |
As low as 8.75% |
18.00% |
|
90% LTV |
As low as 10.25% |
18.00% |
|
95% LTV |
As low as 11.50% |
18.00% |
*APR = Annual Percentage Rate. For primary residence only. A Canyon View Credit Union Home Equity Line of Credit has a 10-year draw period followed by a 10-year repayment period. Minimum line of credit is $5,000 with a $100 minimum advance. Some fees may apply that can range from $10.00 to $8,000. Fees will be incurred if the Home Equity Line of Credit is closed within 24 months of its origination date. The APR is a variable rate and will be based on the prime rate plus a margin. For example, a prime rate of 7.25% APR with an adjusted margin of 0.5% would result in an interest rate of 7.75% APR. Because prime is a variable rate; as it changes, the APR on your loan will also change. Minimum possible interest rate over the life of the loan is 3.74%. The maximum APR that can apply is 18.00%. Minimum payments will not be less than $50. Home equity lines of credit are available for up to 95% of home value or up to $250,000. Loans are subject to approval and actual terms will depend on credit worthiness and equity position. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Other restrictions may apply..
Home Equity - Second Mortgage
Rates effective 10/01/2025
| 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 are subject to approval and actual terms will depend on credit worthiness and equity position. For example, a $100,000 loan approved at 80% of value would have a minimum payment of $938.79 with a 7.24% APR on a 10-year term. The monthly obligation will be determined by the total loan amount at the time of closing and the term and interest rate of the loan. See our Loan Calculators for specific examples. Homeowner Insurance will be verified. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Other restrictions may apply..
No-Fee First Mortgage
Rates effective 10/01/2025
| 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. See current rates and terms. No-Fee First Home Mortgage financing will require a minimum of a 20% down payment. For example a $500,000 loan approved at 80% of value would require a down payment of $100,000. The minimum payment for a $400,000 loan with a 6.24% APR and 12-year term is $3,953.26. These payment examples do not include taxes and insurance. Your actual payment may be higher. The monthly obligation will be determined by the total loan amount at the time of closing and the term and interest rate of the loan. See our Loan Calculators for specific examples. Closing costs waived include origination, processing, underwriting, tax service, appraisal, credit report, and title fees. Closing costs waived include origination, processing, underwriting, tax service, appraisal, credit report, and title fees. You may prepay your loan at any time without penalty. In the case of Home Equity Line of Credit (HELOC), Equity Loan, or a no-fee first mortgage loan, we may require repayment of the hard costs if the loan is paid off within the first two years. Other restrictions may apply..
Conventional Mortgage Loans
Rates effective 10/01/2025
| Terms | Origination Fee | APR |
|---|---|---|
| 10, 15, 20, 30 Year | Yes** | Up to 95% LTV Loan to values over 80% require mortgage insurance |
*Loans are subject to credit approval and actual terms will depend on credit worthiness and equity position. Owner occupied, primary residence only. For example, a $500,000 sales price approved at 97% of value would require a down payment of $15,000. The minimum payment for a $485,000 loan at a 7.00% Rate (7.511% APR) for a 30-year term is $3,226.72. This payment example does not include taxes or insurance. Your actual payment may be higher. Consult a tax advisor regarding the tax deductibility of interest. Homeowner’s insurance will be verified. The monthly obligation will be determined by the total loan amount at the time of closing and the term and interest rate of the loan. See our Loan Calculators for specific examples. Some fees may apply that can range from $10.00 to $8,000. Membership is required and a minimum balance of $10 in primary savings must be maintained. Other restrictions may apply.
** Costs include closing costs such as title insurance, appraisal, processing, underwriting, and recording fees, etc. Costs do not include interest. Contact a loan specialist today.
FHA, Jumbo, Second Home, Construction, Lot, Investment Property Loans, ARM Loans
For competitive rates and terms call (801) 481-8840
Fees
Share Savings Account Fees
| Fee Type | Fee |
|---|---|
| Closing Fee (Only if account is closed within 180 days of opening) |
$10 |
Checking Account Fees
| 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 |
Miscellaneous Fees
| 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 Fee 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 greater than $1,000) |
$2/month |
|
Statement Mailed Monthly Fee (eChecking and Rewards Checking) |
$2/month |
|
Statement Copy Fee |
$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 | $8.95/card ($2.95 Per additional card tied to the same limit) |
| 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 |
Electronic Funds Transaction (EFT) Fees
| Fee Type | Fee |
|---|---|
| ATM Transaction Fee (At ATMs not participating in the 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) |
Basic Business Checking Account Fees
| Fee Type | Fee |
|---|---|
| Transactions (Includes deposits, drafts cleared, and checks received) |
15¢ in excess of 200 (per month) |
| Cash Handling (Other fees and charges may apply based on volume) |
.05%; after the first $10,000 per month |
Business Money Market Checking Account Fees
| Fee Type | Fee |
|---|---|
| Maintenance Fee | $10/month |
| Transactions (Includes deposits, checks cleared, etc.) |
10¢ per transaction |
| Cash Handling (Other fees and charges may apply based on volume) |
.03%; after the first $10,000 per month |
Other Business Account Fees
| 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 my also be processing fees; collection items may incur a fee of $50.00 or more.