Rewarded for Loyalty Rewarded for Loyalty

Added Advantage

Enjoy extra rewards for your loyalty

Added Advantage is a free loyalty program that rewards you for selecting Nuvision as your financial partner. Based on your balances and number of Nuvision accounts or services you select, you’ll earn terrific extras such as easier banking, higher dividends, lower loan rates, reduced service fees and more.

Best of all, we’ll do all the work. Your rewards tier will be automatically determined at the start of each year based on your balance and account history. There are four tiers to enjoy, each with escalating benefits, and you can never be moved to a lower tier during the year.

To learn more about Added Advantage, ask a Nuvision representative at any branch, or contact us for details, or contact a Member Services Representative at (800)444-6327. It’s yours at no charge simply for being a valued Nuvision member.

  1. Exclusive Identity Theft & Fraud Protection: This offer is good for one year of free monitoring after activation. Only applicable to members with Added Advantage Score of 100 or higher. May be subject to 1099 Misc. tax form at year-end for tax reporting purposes.
  2. Certificate Rate Increase: Applicable towards new certificates with a cap of $250,000. Rate will apply for initial term of certificate. Renewal rate dependent on Added Advantage score at time of renewal. Certificate is subject to early withdrawal penalties which may reduce earnings. Cannot be combined with any other offer. Your enrollment in the Added Advantage program will not apply to any existing certificates accounts until renewal. Visit the NuVision Credit Union website for current rates.
  3. Consumer Loan Rate Discount: Excludes Mortgage and Visa. Does not apply to variable rate loans or promotional loans unless otherwise disclosed. Consumer loan rate discount is based on Added Advantage score at time of loan funding. Consumer loan rate discount cannot be combined with any other rate discount other than Automatic Payment Discount and Auto Loan Incentive. Consumer loan rate is based on individual credit worthiness. Auto loan rate cannot go below the floor rate (Auto loan floor rate as of 11/1/2016 is 1.74%). Rates subject to change without notice. Some additional restrictions may apply. Subject to credit approval.
  4. Auto Loan Incentive: Applicable towards an auto loan with NuVision Federal Credit Union for new or used vehicles. Refinancing an existing NuVision auto loan does not qualify. Auto loan incentive value is based on Added Advantage score at time of loan funding. The auto loan incentive will be credited to member’s primary savings account within 45 days of auto loan funding. Limit one auto loan incentive per member. Cannot be combined with any other Auto Loan Incentive other than Added Advantage Consumer Loan Rate Discount and Automatic Payment Discount. May be subject to 1099 Misc. tax form at year-end for tax reporting purposes.
  5. Mortgage Incentive: Offer applies to new 1st Trust Deed Mortgage loans at NuVision Federal Credit Union and refinancing an existing NuVision 1st Trust Deed Mortgage. Mortgage incentive value is based on Added Advantage score at time of loan funding. The mortgage incentive will be credited to the member’s primary savings account within 45 days of mortgage loan funding. Limit one mortgage incentive per eligible household. Cannot be combined with any other offer. Subject to credit approval. May be subject to 1099 Misc. tax form at year-end for tax reporting purposes.
  6. HELOC Annual Fee: The HELOC annual fee of $40 is waived with qualifying score of 100 or higher once member has opted in to Added Advantage. Variable APR for home equity lines of credit as low as 3.99%. Floor rate of 3.99%.The Home Equity Line of Credit has a .50% periodic (quarterly) maximum change with 2% annual cap. Maximum APR is 5% over initial start rate not to exceed 18% APR. Rates current as of 11/01/2016. Actual rate received is based on credit performance. Application, processing and third party fees ranging from $800 to $1750 are waived unless loan is paid off within 36 months of funding date. All home equity loans are for primary residences in California and Arizona only. Rates subject to change without notice. Some additional restrictions may apply. Consult your tax advisor regarding the deductibility of interest.
  7. Cashier’s Check Fee: The $5.00 Cashier’s Check fee is waived with qualifying score of 100 or higher.
  8. Added Advantage benefits are available for NuVision members who have opted into the Added Advantage program. Added Advantage score is available on first statement available after member has opted into program. Terms and conditions subject to change without notice.