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| "Membership" and "IRA" Share Certificates ($2,500 Minimum Balance) |  | Yield | (Rate) | | | | | | | 06 Months Certificates | | 1.10% | (1.10%) | | | | | | | 12 Months Certificates | | 1.40% | (1.39%) | | | | | | | 24 Months Certificates | | 1.95% | (1.94%) | | | | | | | 36 Months Certificates | | 2.45% | (2.43%) | | | | | | | 48 Months Certificates | | 2.65% | (2.62%) | | | | | | | 60 Months Certificates | | 2.95% | (2.92%) | | | | | | | There is a penalty for early withdrawal. The certificate balance is transferred to the "Membership" or "IRA" account at maturity. The annual percentage yield (APY) assumes dividends will remain on deposit until maturity. | | | | | | | | |
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| Membership, Special, Christmas and IRA Savings ($5 Minimum Balance) | | Yield | (Rate) | | | | | | | $0 - $24,999.99 | | 0.50% | (0.50%) | | | | | | | $25,000 - $49,999.99 | | 0.50% | (0.50%) | | | | | | | $50,000 + | | 0.50% | (0.50%) | | | | | |
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| "Money Market" Savings ($2,500 Minimum Balance) | | Yield | (Rate) | | | | | | | $0 - $24,999.99 | | 0.50% | (0.50%) | | | | | | | $25,000 - $49,999.99 | | 0.90% | (0.90%) | | | | | | | $50,000.00+ | | 1.00% | (1.00%) | | | | | |
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| Other Accounts | | Yield | (Rate) | | | | | | | Organizations | | 0.00% | (0.00%) | | | | | | | Share Draft (Checking) (25-02) ($5 Minimum Balance) | | 0.00% | (0.00%) | | | | | | | Medical Payments Saving Account (25-04) ($5 Minimum Balance) | | 0.00% | (0.00%) | | | | | | | WRAP Savings (25-05) ($5 Minimum Balance) | | 0.00% | (0.00%) | | | | | |
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| Money - Signature or LOC | | | | Loan Description | Rate | Term | Credit Score | | | | | | | $2,400 - Signature or LOC | 14.90% | 24 months | 720 and above | | | | | | | $1,800 - Signature or LOC | 14.90% | 18 months | 660 - 719 | | | | | | | $1,200 - Signature or LOC | 14.90% | 12 months | 620 - 659 | | | | | | | $0,300 - Signature or LOC | 14.90% | 03 months | 619 and below | | | | | |
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| Mortgages - Real Property | | | | Loan Description | Rate | Term | LTV | | | | | | | 1st Mortgage - Fixed | 05.25% | 15 years | 80.00% | | | | | | | 1st Mortgage - Fixed | 05.50% | 20 years | 80.00% | | | | | | | 1st Mortgage - Fixed | 05.75% | 25 years | 80.00% | | | | | | | 1st Mortgage - Fixed | 06.00% | 30 years | 80.00% | | | | | | | 1st Mortgage - 3/3 Variable | 04.50% | 30 years | 80.00% | | | | | | | 1st Mortgage - 5/5 Variable | 05.00% | 30 years | 80.00% | | | | | | | 1st Mortgage - Fixed (Building Lot) | 07.00% | 15 years | 80.00% | | | | | | | 2nd Mortgage - 5/1 Variable | 07.00% | 20 years | 80.00% | | | | | |
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| Motor Vehicles - Personal Property | | | | Loan Description | Rate | Term | | | | Maximum Loan | | | | New Vehicles | 03.50% | Up to 60 months | | | | 90% of MSRP | | | | Used Vehicles (2007, 2008, 2009) | 04.00% | Model, mileage, etc. | | | | 90% of NADA Ave Retail | | | | Used Vehicles (2004, 2005, 2006) | 04.50% | Model, mileage, etc. | | | | 90% of NADA Ave Retail | | | | All others | 08.00% | 24 months | | | | 90% of NADA Ave Retail | | | | HVCU does not make loans on motor vehicles with 100,000 miles or more. | | |
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| Routine Transaction Fees | | |
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| Membership Fee | | | $.25 | | | | | | | Withdrawals at non-HVCU ATMs | | | $1.00 each | | | | | | | Withdrawals by debit card transactions (w/PIN) | | | $1.00 each | | | | | | | Transfer due to over-draft | | | $1.00 each | | | | | | | Copy of member's share draft | | | $1.00 each | | | | | | | Copy of prior quarter statement | | | $1.00 page | | | | | |
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| Non-Routine Transaction Fees | | |
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| Exception handling, manual posting, address search, etc. | | | $10.00 each | | | | | | | Stop payments (Member and Teller drafts) | | | $5.00 each | | | | | | | When placed | | | $5.00 each | | | | | | | When returned | | | $5.00 each | | | | | | | When deleted | | | $5.00 each | | | | | | | Dormant Account* | | | $5.00 Month | | | | | | | *Accounts with a balance below $100.00 and with no activity other than dividends for two consecutive quarters. | | | | | | | | | | Late payment | | | $25.00 each | | | | | | | Non-Sufficient Funds | | | $25.00 each | | | | | | | Return of Deposit | | | $25.00 each | | | | | | | Item Collection | | | $75.00 each | | | | | | | Account balancing, account reconciliation or research | | | Cost | | | | | | | Replace ATM or Debit card | | | Cost | | | | | | | Wire transfers both incoming and outgoing) | | | Cost | | | | | | | Express delivery (UPS, Federal Express, US Mail) | | | Cost | | | | | |
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Rates are determined by credit score. | |
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NOTICE: Rates are subject to change without notice.
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| Call or Come By | 
Hospital Office
130 W Ravine Rd
Kingsport, TN 37660
1-423-224-5033
1-423-224-5034
Main Office
216 West Ravine Road
Kingsport, Tennessee 37660
1-423-246-1922
1-423-245-0848 Fax
Monday - Friday 9:00 AM – 4:30 PM |
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| Holston Valley Credit Union |
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216 West Ravine Road
Kingsport, TN 37660
Phone: 1-423-246-1922
Fax: 1-423-245-0848 |
Holston Valley Hospital
130 West Ravine Road
Kingsport, TN 37660
Phone: 1-423-224-5033, 5034
Fax: 1-423-245-0848 |
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