Rates

Loans| Certificates

*** Rates quoted below are VCCU's lowest for the listed collateral and term.  
Actual rates  may vary based on individual credit worthiness. ***

CLICK HERE TO CALCULATE YOUR RATE! 
       
Automobiles and Motorcycles " As Low As" Rate  APR* Term
24 month loans available without mileage limitations

4.00

4.00

24 

36 month loans available for mileage between 75,000 and 90,000

4.25

4.25

36

48 month loans available for mileage between 60,000 and 75,000

4.50

4.50

48

60 month loans available for mileage between 25,000 and 60,000

4.75

4.75

60

72 month loans available for mileage under 25,000

5.00

5.00

72

       
Vehicles with excess mileage may qualify for longer terms with a higher rate      
       
Motorhomes, Campers and Boats - Fixed rate loans available for 24-72 months      
24 month loan

4.50

4.50

24

36 month loan

4.75

4.75

36

48 month loan

5.00

5.00

48 

60 month loan

5.25

5.25

60

72 month loan

5.50

5.50

72 

       
Longer term balloon loans may be available for some purchases      
       
Personal Watercraft, ATVs, Snowmobiles and Other Collateral      

24 month loan

5.00

5.00

24 

36 month loan

5.25

5.25

36

48 month loan

5.50

5.50

48 

60 month loan

5.75

 5.75

60

72 month loan

6.00

6.00

72 

       
Other Loans      
Single Payment Note

13.15

13.15

6

Unsecured Loans up to $3,500

12.05

12.05

36

Shared Secured Loans - 
      Rate is 0.50% lower than the lowest automobile loan with same term
   

48

Kwik Cash (Line of Credit)

12.00

12.00

 

Overdraft Line of Protection - Maximum $1,000 Line of Credit

25.00

25.00

 

Other terms and rates are available      
       
Real Estate Mortgages  Rate  APR* Term
30 yr. First Mortgage - Residential - Rate fixed 3 yrs.

4.70

4.70

360

30 yr. First Mortgage - Residential - Rate fixed 5 yrs.

4.90

4.90

 360 

30 yr. First Mortgage - Residential - Rate fixed 10 yrs.

5.35

5.35

360

10 yr. First Mortgage - Residential - Rate fixed 10 yrs.

5.10

5.10

120 

15 yr. First Mortgage - Residential - Rate fixed 15 yrs.

5.35

5.35

180

Bare Land - Please contact loan officer for rate details      

 

*APR = Annual Percentage Rate
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Certificates 

Dividend Rate 

APY*

Term

3 Month $5,000 min. Share Certificate

1.05

1.05

3

6 Month $5,000 min. Share Certificate

1.75

1.76

6

1 Year $5,000 min. Share Certificate

2.00

2.02

12

1 Year $25,000 min. Share Certificate

2.10

2.12

12

2 Year $5,000 min. Share Certificate

2.25

2.27

24

3 Year $5,000 min. Share Certificate

2.50

2.53

36

4 Year $5,000 min. Share Certificate

2.75

2.79

48

5 Year $5,000 min. Share Certificate

3.00

3.04

60

1 Year $5,000 min. IRA Share Certificate

2.00

2.02

12

1 Year $25,000 min. IRA Share Certificate

2.10

2.12

12

2 Year $5,000 min. IRA Share Certificate

2.25

2.27

24

3 Year $5,000 min. IRA Share Certificate

2.50

2.52

36

4 Year $5,000 min. IRA Share Certificate

2.75

2.78

48

5 Year $5,000 min. IRA Share Certificate

3.00

3.03

60

*APY = Annual Percentage Yield
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