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Rates

Looking to build or rebuild your credit? Go with a secured loan — it’s financing for all kinds of needs backed by your VCCU savings.

Key Features

  • Competitive Rates
  • Backed by Your Savings
  • Flexible Terms
  • Fast Decision-Making
  • Financing for recreational vehicles also available (boats, campers, motorcycles, ATVs, jet skis, snowmobiles, and more)
  • Competitive rates on new or used items
  • Flexible repayment terms, up to 72 months
  • Monthly, bi-weekly, and weekly payment options
  • Payment options of pay roll deduction, ACH, direct deposit, and bill pay
  • Pre-approval available for extra bargaining power at the dealership
  • Refinance your current vehicle to potentially lower your rate
  • Loan protection available, including GAP insurance and Mechanical Breakdown coverage
  • Fast loan decisions, often within 10 minutes of a completed application
  • Friendly service from fellow community members

Unsure of the value of the vehicle you’re buying or selling? Visit the NADA website to obtain a free valuation.

  • Competitive rates for a wide range of personal needs:
    • Debt consolidation
    • Family vacations
    • Medical expenses
    • And more!
  • Typically lower rates than an unsecured loan thanks to collateral backing
  • Funds secured by your savings account or share certificate
  • Savings remain intact and incurring dividends, reducing the actual cost of your loan
  • Can help establish or re-establish credit
  • A wide range of terms customized to your unique situation
  • Fast loan decisions made right in your own neighborhood
  • Friendly service from fellow community members

Membership matters

Loyal VCCU Members Can Save!

Part of the credit union philosophy is people helping people, which is why VCCU offers a Membership Matters program for those members with less than perfect credit. Let us show you your potential savings by financing your loan with us. Membership Matters is available on consumer loans to VCCU members who have been in good standing for 12 months. Certain restrictions may apply. Contact one of our loan officers for details.

If you have less than perfect credit, stop in and talk to one of our loan officers about the benefits of our Membership Matters loan program. When compared to other lenders we offer: 

  • Reduced interest rates
  • Lower payments and interest costs 

Membership Matters is available on consumer loans to VCCU members who have been in good standing for 12 months. Certain restrictions may apply. Contact one of our loan officers for details.

Rates, terms and conditions are subject to change and vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval.