The following loan product and rate information is current as of the effective date shown below. VACU may offer other rates and terms or amend such rates and terms from time to time. Your rate may vary based on factors such as your credit history and payment method. For more information, and specific term options and rates, please contact us.

Effective date: February 3, 2012

      View current mortgage rates in our Mortgage Center »

Product (model years 2002 - 2012)	Annual Percentage Rate (APR)* as low as
Car or Light Truck Loan  up to 63 months	2.99%
Car or Light Truck Loan  64 - 75 months	3.74%
Car or Light Truck Loan  76 - 84 months	4.49%

   
*Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, a .50% discount for an automated payment method approved by us. Minimum and maximum loan amounts apply.  Please contact us for specific terms, rates, available discounts, and information about loans originated at dealerships that participate in Credit Union Direct Lending (CUDL).

Payment example based on a $25,000 loan: $429.32 at 2.99% APR with a 63 month term; $374.38 at 3.74% APR with a 75 month term; and $347.45 at 4.49% APR with an 84 month term. Your APR may differ based on your loan amount, repayment method, and other factors.

Product	Annual Percentage Rate (APR)* as low as
Home Equity Line of Credit	3.75% 1
Home Equity Loan	3.75%

  
*Your APR will be determined based on our internal credit criteria. Listed APRs are based on a loan to value of 70% or less, assume an excellent credit rating, and for Equity Loan include a .50% discount for repaying by an automated payment method approved by us. Property insurance required. If account is closed or paid off within 36 months of opening it, you will pay a prepayment penalty equal to the amount of closing costs originally paid by VACU. Minimum and maximum loan or credit limits apply. Please contact us for specific term options and rates.
 
¹APR varies and may be adjusted monthly based on the Prime Rate published in the Wall Street Journal. Minimum APR is 3.75%. Maximum APR is 18.00%.

Product	Annual Percentage Rate (APR)* as low as
Personal Line of Credit	7.00% 2
Personal Loan1	8.49%
Deposit Secured Personal Loan	6.00% 3

  
*Minimum and maximum loan amounts or credit limits apply.
¹Your APR will be determined based on our internal credit criteria. Listed APRs assume excellent credit rating, and include a .50% discount for repaying by an automated payment method approved by us.
²APR varies and may be adjusted monthly based on the Prime Rate published in the Wall Street Journal. Minimum APR is 7.00%.
³APR varies and may be adjusted monthly based on the Prime Rate published in the Wall Street Journal. Minimum APR is 6.00%.

Product	Annual Percentage Rate (APR)* as low as
Visa® Platinum Card	8.99%
Visa® Gold Rebate Card	10.99%

 
*Your APR, including any promotional APR, will be determined based on our internal credit criteria. Periodically we evaluate your credit information and at such time, your APR for any new balance is subject to increase or decrease. Minimum and maximum credit limits apply.

Product (model years 2002 - 2012)	Annual Percentage Rate (APR)* as low as
Motorcycle Loan  up to 63 months	5.24%
Motorcycle Loan  64 - 75 months	5.99%
Motorcycle Loan  76 - 84 months	6.74%

  
*Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, a .50% discount for an automated payment method approved by us. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts.

Payment example based on a $25,000 loan: $454.85 at 5.24% APR with a 63 month term; $400.52 at 5.99% APR with a 75 month term; and $374.24 at 6.74% APR with an 84 month term. Your APR may differ based on your loan amount, repayment method, and other factors.

Product (model years 2002 - 2012)	Annual Percentage Rate (APR)* as low as
Recreational Vehicle Loan  up to 63 months	4.74%
Recreational Vehicle Loan  64 - 75 months	5.49%
Recreational Vehicle Loan  76 - 84 months	6.24%

  
*Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, a .50% discount for an automated payment method approved by us. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts.

Payment example based on a $25,000 loan: $449.10 at 4.74% APR with a 63 month term; $394.62 at 5.49% APR with a 75 month term; and $368.19 at 6.24% APR with an 84 month term. Your APR may differ based on your loan amount, repayment method, and other factors.

Product (model years 2002 - 2012)	Annual Percentage Rate (APR)* as low as
Watercraft Loan  up to 63 months	4.24%
Watercraft Loan  64 - 75 months	4.99%
Watercraft Loan  76 - 84 months	5.74%

  
*Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, a .50% discount for an automated payment method approved by us. Minimum and maximum loan amounts apply.  Please contact us for specific terms, rates, and available discounts.

Payment example based on a $25,000 loan: $443.39 at 4.24% APR with a 63 month term; $388.77 at 4.99% APR with a 75 month term; and $362.19 at 5.74% APR with an 84 month term. Your APR may differ based on your loan amount, repayment method, and other factors.