Current Rates

As you browse our rates, you may notice that they are better than the competition. Well, that is because we are a not-for-profit financial institution and our priorities are different. We like to return our profits back to our membership in the form of higher yields on investments and lower rates on loans, plus we discount or eliminate the fees that others may charge. It's part of what we call the credit union difference!

Rates quoted below are VCCU's lowest for the listed collateral and term. Actual rates may vary based on individual credit worthiness. Rates vary based on year of vehicle being financed. See a VCCU loan officer for details.

Loan Type Approx. Term (months) Annual Percentage Rate (APR) Monthly Payment per $1000 Borrowed
Vehicles - Cars and Trucks** 84 4.49% $13.90
  72 3.39% $15.37
  60 2.54% $17.77
  48 2.40% $21.87
  36 2.19% $28.73

** Rates may vary based on amount financed.

Ask about Balloon Loan rates for up to 144 month amortization, and up to 90% LTV.

Other Secured Items - Motorcycles, Boats, Motorhomes, Campers, ATV, Snowmobile, Jet Ski, and more.** 72 4.39% $15.82
  60 3.54% $18.21
  48 3.40% $22.31
  36 3.19% $29.15

**Ask about Balloon Loan rates for up to 144 month amortization, and up to 90% LTV.

Signature Loan
$2,000.00 - $3,500.00
36 8.90% $31.75
Kwik Cash LOC 8.90% $50.00
Overdraft Protection Kwik Cash LOC 25.00% $200.00
Single Payment Note 90 Days - 180 days 8.90% N/A
Shared Secured 48 2.35% $21.86
  36 2.15% $28.71
  24 2.00% $42.54
 
Share Type Balance Dividend Rate Annual Percentage Yield (APY)
Open Shares (Savings) $0 - $99.99 0.00% 0.00%
  $100.00 - $999.99 0.10% 0.10%
  $1,000.00 - $2,499.99 0.10% 0.10%
  $2,500 + 0.15% 0.15%
Classic Checking <$300 0.00% 0.00%
  $300.00 - $999.99 0.05% 0.05%
  $1,000.00 - $2,499.99 0.05% 0.05%
  $2,500 + 0.10% 0.10%
Money Market &
IRA Money Market
<$2,499.99 0.05% 0.05%
  $2,500 - $4,999.99 0.10% 0.10%
  $5,000.00 - $9,999.99 0.25% 0.25%
  $10,000.00 - $24,999.99 0.40% 0.40%
  $25,000.00 + 0.60% 0.60%
High Yield Shares $5,000.00 + 0.20% 0.20%
Escrow Account   0.15% 0.15%
Christmas Club   0.15% 0.15%
IRA Passbook   0.25% 0.25%
 
Certificate Term (Months) Minimum Balance Dividend Rate Annual Percentage Yield (APY)
12 Minors $500.00 0.35% 0.35%

Minors share certificates will transfer to an open share account on the first maturity date after member turns 18.

3 $5,000.00 0.25% 0.25%
6 $5,000.00 0.60% 0.60%
12 $5,000.00 0.80% 0.80%
24 $5,000.00 1.10% 1.10%
36 $5,000.00 1.40% 1.41%
48 $5,000.00 1.60% 1.61%
60 $5,000.00 1.90% 1.92%
12 $25,000.00 0.85% 0.85%
IRA Certificate Term (Months) Minimum Balance Dividend Rate Annual Percentage Yield (APY)
12 $5,000.00 0.80% 0.80%
24 $5,000.00 1.10% 1.10%
36 $5,000.00 1.40% 1.41%
48 $5,000.00 1.60% 1.61%
60 $5,000.00 1.90% 1.91%
12 $25,000.00 0.85% 0.85%
 
Mortgage Loans Amortization Rate Annual Percentage Rate (APR)
First Mortgage – Rates As Low As:
5 Year Balloon 30 years 3.65% 3.66%
7 Year Balloon 30 years 3.90% 3.91%
10 Year Balloon 30 years 4.15% 4.16%

Example: Payment on a $150,000 10-yr. balloon mortgage at 4.16% APR (amortized for 30 yrs.), would be $729.51 per month. At the end of 10 years the balance due would be $119,518.18 if only the minimum payments are made. Taxes and insurance not included in this example. 

5 Year FIXED 5 years 2.85% 2.85%
10 Year FIXED 10 years 3.55% 3.57%
15 Year FIXED 15 years 3.85% 3.87%
 
Minimum loan amount $10,000.
Rates and monthly payments based on a $150,000 loan amount.
 
Second Mortgage – Rates As Low As:
5 Year Balloon 10 years 4.65% 4.76%
5 Year Fixed 5 years 3.25% 3.46%

Second mortgage rates and monthly payments are based on a $25,000 loan amount.


Rates quoted are VCCU's lowest for the listed collateral and term. Rates, terms and conditions may vary based on creditworthiness, qualifications and collateral conditions. Membership eligibility required. Taxes and insurance not included in monthly payment examples. Escrow may be required on some VCCU mortgage loans.

Nationwide Mortgage Licensing System & Registry (NMLS) Consumer Access

In order to provide homebuyers and the general public with greater information concerning the companies and professionals in the mortgage industry and in fulfillment of the federal S.A.F.E. Mortgage Licensing Act of 2008, the Nationwide Mortgage Licensing System & Registry (NMLS) hosts a website called NMLS Consumer Access. NMLS Consumer Access is a fully searchable website that allows the public to view information concerning state-licensed companies, branches, and individuals licensed and registered through NMLS.

Found online at www.NMLSConsumerAccess.org, contains administrative and licensing information for companies, branches, and individuals licensed or registered through NMLS. NMLS Consumer Access is provided without charge to the public.

  • Valley Communities Credit Union  431643
  • Susan Marie Besaw  440575
  • Yvonne Marie Bohman  440543
  • Angela Marie Dinkins  440565
  • Michael Joseph Fox  440598
  • Jodi Sue Griepentrog  441764   
  • Sara B Holtz  412958
  • William Charles Jarvis  440708
  • Betty Susan Martino  1082992
  • Tonya Rocha  1595256
  • Mary Beth Rohloff  440744
  • Lisa Crystal Slowinski  440472