HVCBank Toolbox

Quick access to banking utilities, all in one place!

Rates

Rates effective as of July 30, 2014.

APY = Annual Percentage Yield. Rates may change after accounts are opened. Fees may reduce earnings.

Kasasa Cash*

Balance RateAPY
$0 - $10,0002.00%2.00%
$10,000.01 & Up0.30%2.00% to 0.45%
If qualifications not met0.05%0.05%

Kasasa Cash Qualifications

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account during the monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into online banking

Kasasa Saver*

Balance RateAPY
$0 - $15,0001.00%1.00%
$15,000.01 & Up0.30%1.00% to 0.39% APY
If qualifications not met0.05%0.05%

Kasasa Saver Qualifications

To earn the reward rates, simply do the following activities and transactions in your Kasasa Cash account during the monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into online banking

Deposit Accounts

AccountMinimum Required Opening DepositBalance Required to Earn InterestRateAPY
Statement Savings$10.00$100 - $24,999.990.15%0.15%
$25,000+0.25%0.25%
Money Market$100.00$500 - $10,0000.10%0.10%
$10,000.01 - $25,0000.15%0.15%
$25,000.01+0.25%0.25%

Certificates of Deposit (CDs)

AccountMinimum Balance Required to Earn InterestRateAPY
90 Day CD$5000.20%0.20%
6 Month CD0.25%0.25%
12 Month CD0.50%0.50%
13 Month CD0.50%0.50%
18 Month CD0.60%0.60%
24 Month CD0.80%0.80%
36 Month CD1.04%1.05%
48 Month CD1.29%1.30%

A penalty may be imposed for early withdrawal.

Home Equity Loans

TermRateAPRRate (Auto Deduct)APR (Auto Deduct)
3 Years1Fixed 3.75%3.75%3.25%3.25%
5 Years2Fixed 4.20%4.20%3.70%3.70%
120 Months3Variable 4.50%4.45%4.00%4.06%
240 Months3Variable 4.50%4.37%4.00%4.13%

1 The rate is effective as of March 14, 2014 and may be withdrawn at any time. Loans for a minimum of $10,000 and a maximum of $250,000, and only with an automatic payment from a Hopewell Valley Community Bank Checking Account for the life of loan. Based on a rate of 3.25% the monthly payment for 36 months for a loan of $10,000.00 would be $291.95. Subject to credit approval. Other conditions may apply.


2 The rate is effective as of July 15, 2013 and may be withdrawn at any time. Loans for a minimum of $10,000 and a maximum of $250,000, and only with an automatic payment from a Hopewell Valley Community Bank Checking Account for the life of loan. Based on a rate of 3.70% the monthly payment for 60 months for a loan of $10,000.00 would be $182.84. Subject to credit approval. Other conditions may apply.

Payments do not include amounts for taxes and insurance premiums, and, if applicable, the actual payment obligation will be greater.


3 The initial rate is fixed for 5 years and adjusts every five years to the then WSJ Prime plus 1%, with auto deduct.


Home Equity Line of Credit

Floating RateInterest RateAPR
Prime + 50 Basis Points3.75%3.75%
Prime currently 3.25%3.25% (Auto Deduct)3.25% (Auto Deduct)

Auto Loans

TypeTermRateAPRRate (Auto Deduct)APR (Auto Deduct)
New3 Year6.00%6.00%5.50%5.50%
4 Year6.00%6.00%5.50%5.50%
5 Year6.00%6.00%5.50%5.50%
Used (2013)7.00%7.00%6.50%6.50%
Used (2012)7.50%7.50%7.00%7.00%
Used (2011 & earlier)Up to 3 Years11.25%11.25%10.75%10.75%

Personal Unsecured Loans

TermRateAPRRate (Auto Deduct)APR (Auto Deduct)
Up to 3 Years13.00%13.00%12.50%12.50%

All loans subject to credit approval. WSJ Prime Rate 3.25% is effective as of December 17, 2008.

All rates are the best possible rates offered to tier 1 credit scores. Credit scores below tier 1 will possibly reflect a higher rate.

All rates subject to change without notice. Additional conditions may apply.