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APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 8/7/2019. Fees may reduce earnings.

Loans

Auto Loans Learn More

Term (months) APR* Monthly payment per $1,000 borrowed
84 5.30% $14.28
72 3.99% $15.64
60 3.59% $18.23
48 3.39% $22.31
36 3.14% $29.14

 

*Rates 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.

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

Collateral Secured Loans Learn More

For recreational vehicles, boats, campers, motorcycles, ATVs, jet skis, snowmobiles, and more

Term (months) APR* Monthly payment per $1,000 borrowed
72 3.99% $15.64
60 3.59% $18.23
48 3.39% $22.31
36 3.14% $29.14

 

*Rates 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.

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

Savings Secured Loan Learn More

Term (months) APR Monthly payment per $1,000 borrowed
48 3.15% $22.20
36 3.05% $29.10
24 2.95% $42.96

 

Personal Loans

Loan Type Term (months) APR Monthly payment per $1,000 borrowed
Signature ($1,000 - $10,000) 36 9.35% $31.96
Kwik Cash (max $3,500) Revolving 9.75% $50 or 5% of balance
Overdraft Protection Kwik Cash Revolving 25.00% $200
Single Payment Note 90 - 180 days 9.85% N/A

 

Share

Classic Checking Learn More

Balance Rate APY
0 - $300 0.00% 0.00%
$300 - $999.99 0.05% 0.05%
$1,000 - $2,499.99 0.10% 0.10%
$2,500+ 0.15% 0.15%

 

Share Savings Learn More

Balance Rate APY
0 - $99.99 0.00% 0.00%
$100 - $999.99 0.10% 0.10%
$1,000 - $2,499.99 0.15% 0.15%
$2,500+ 0.25% 0.25%

 

Money Market Learn More

Balance Rate APY
$0 - $9,999.99 0.15% 0.15%
$10,000 - $24,999.99 0.60% 0.60%
$25,000 - $74,999.99 0.95% 0.95%
$75,000 - $199,999.99 1.30% 1.31%
$200,000+ 1.67% 1.68%

 

Other Savings Accounts

Account Balance Rate APY
High Yield Shares $5,000+ 0.35% 0.35%
Escrow Account $0.01 0.20% 0.20%
Christmas Club $0.01 0.20% 0.20%
IRA Passbook $0.01 0.30% 0.30%
Certificates

Share Certificates Learn More

Term (Months) Minimum Balance Rate APY
12 (Minor Share Certificate)^ $500.00 1.50% 1.50%
3 $5,000.00 0.70% 0.70%
6 $5,000.00 1.05% 1.06%
12 $5,000.00 1.80% 1.81%
24 $5,000.00 2.00% 2.02%
36 $5,000.00 2.10% 2.12%
48 $5,000.00 2.25% 2.27%
60 $5,000.00 2.40% 2.43%
12 $25,000.00 1.85% 1.87%

 

Penalty for early withdrawal.

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

IRA Certificates Learn More

Term (Months) Minimum Balance Rate APY
12 $5,000.00 1.80% 1.81%
24 $5,000.00 2.00% 2.01%
36 $5,000.00 2.10% 2.12%
48 $5,000.00 2.25% 2.27%
60 $5,000.00 2.40% 2.42%
12 $25,000.00 1.85% 1.87%

 

Penalty for early withdrawal.

Mortgage

Mortgage Loans Learn More

Mortgage Type Amortization Rate APR
1st Mortgage: 5 Year Balloon1 30 years 3.95% 3.95%
1st Mortgage: 7 Year Balloon1 30 years 4.05% 4.05%
1st Mortgage: 10 Year Balloon1 30 years 4.15% 4.15%
1st Mortgage: 5 Year Fixed 5 years 3.40% 3.40%
1st Mortgage: 10 Year Fixed 10 years 3.95% 3.95%
1st Mortgage: 15 Year Fixed 15 years 4.15% 4.15%
2nd Mortgage: 5 Year Balloon2 10 years 4.95% 4.95%
2nd Mortgage: 5 Year Fixed 5 years 3.80% 3.80%

1 Example: Payment on a $150,000 10-yr. balloon mortgage at 4.15% APR (amortized for 30 yrs.), would be $729.45 per month. At the end of 10 years the balance due would be $119,518.35 if only the minimum payments are made. Taxes and insurance not included in this example. 

2 Example: Payment on a $10,000 5-yr. balloon mortgage at 4.95% APR (amortized for 10 yrs.), would be $105.85 per month. At the end of 61 months the balance due would be $5,638.63 if only the minimum payments are made. Taxes and insurance not included in this example.

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.