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Home > Borrow > Loan Rates

Come to VACU for borrowing that's easy and affordable.

 Loan Rates

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, payment method and Relationship Package participation. For more information, and specific term options and rates, please contact us.

Effective date: July 29, 2010

 Mortgage Loan Rates
 Vehicle Loan Rates
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Product Annual Percentage Rate (APR)* as low as
New Car or Light Truck Loan  (2009 - 2010 model years) 3.49%
Used Car or Light Truck Loan  (2003 - 2008 model years) 4.49%
Used Car or Light Truck Loan  (2000 - 2002 model years) 8.49%

   
*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 36 month term, a .25% discount for an automated payment method approved by us and and a loan-to-value of 90%. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, available discounts, and for information about loans originated at dealerships that participate in Credit Union Direct Lending (CUDL).

Payment example based on a $20,000 loan with a 36 month term: $586.02 at 3.49% APR; $594.94 at 4.49% APR; and $631.43 at 8.49% APR. Your APR may differ based on your VACU relationship, loan amount, repayment method, and other factors.

 Home Equity Loan & Line Rates
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Product Annual Percentage Rate (APR)* as low as
Home Equity Line of Credit  (loan to value of 70% or less) 4.50% 1
Home Equity Loan  (loan to value of 70% or less) 5.75%

  
*Your APR will be determined based on our internal credit criteria. Listed APRs assume excellent credit rating and for Equity loan include a .25% 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 4.50%. Maximum APR is 18.00%.

 Personal Loan & Line Rates
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Product Annual Percentage Rate (APR)* as low as
Personal Line of Credit 7.00% 2
Personal Loan1 8.74%
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 .25% 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%.
 

 Credit Card Rates
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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.

 Watercraft Loan Rates
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Product Annual Percentage Rate (APR)* as low as
New Watercraft Loan (2009 - 2010 model years) 4.74%
Used Watercraft Loan  (2003 - 2008 model years) 5.74%
Used Watercraft Loan (2000 - 2002 model years) 9.74%

  
*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 36 month term, a .25% discount for an automated payment method approved by us, and a loan-to-value of 90%. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts.

Payment example based on a $20,000 loan with a 36 month term: $597.18 at 4.74% APR; $606.20 at 5.74% APR; and $643.11 at 9.74% APR. Your APR may differ based on your VACU relationship, loan amount, repayment method, and other factors.

 Recreational Vehicle Loan Rates
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Product Annual Percentage Rate (APR)* as low as
New Recreational Vehicle Loan (2009 - 2010 model years) 5.24%
Used Recreational Vehicle Loan  (2003 - 2008 model years) 6.24%
Used Recreational Vehicle Loan (2000 - 2002 model years) 10.24%

  
*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 36 month term, .25% discount for an automated payment method approved by us and a loan-to-value of 90%. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts.

Payment example based on a $20,000 loan with a 36 month term: $601.68 at 5.24% APR; $610.73 at 6.24% APR; and $647.80 at 10.24% APR. Your APR may differ based on your VACU relationship, loan amount, repayment method, and other factors.

 Motorcycle Loan Rates
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Product Annual Percentage Rate (APR)* as low as
New Motorcycle Loan  (2009 - 2010 model years) 5.74%
Used Motorcycle Loan  (2003 - 2008 model years) 6.74%
Used Motorcycle Loan  (2000 - 2002 model years) 10.74%

  
*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 36 month term, .25% discount for an automated payment method approved by us and a loan-to-value of 90%. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts.

Payment example based on a $20,000 loan with a 36 month term: $606.19 at 5.74% APR; $615.30 at 6.74% APR; and $652.53 at 10.74% APR. Your APR may differ based on your VACU relationship, loan amount, repayment method, and other factors.


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