Effective Date:
May 17, 2012
Vehicle Loan Rates
| |
|
|
|
|
|
|
2.99%
|
|
|
3.74%
|
|
|
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 $25,000.00 loan: $429.28 at 2.99% APR with a 63 month term; $374.32 at 3.74% APR with a 75 month term; and $347.39 at 4.49% APR with an 84 month term. Your APR may differ based on your loan amount, repayment method, and other factors.
Home Equity Loan & Line Rates
| |
|
|
|
|
|
|
3.75%1
|
|
|
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%.
Personal Loan & Line Rates
| |
|
|
|
|
|
|
7.00%2
|
|
|
8.49%
|
|
|
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%.
Credit Card Rates
| |
|
|
|
|
|
|
8.99%
|
|
|
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.
Motorcycle Loan Rates
| |
|
|
|
|
|
|
5.24%
|
|
|
5.99%
|
|
|
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 $25,000.00 loan: $454.77 at 5.24% APR with a 63 month term; $400.43 at 5.99% APR with a 75 month term; and $374.15 at 6.74% APR with an 84 month term. Your APR may differ based on your loan amount, repayment method, and other factors.
Recreational Vehicle Loan Rates
| |
|
|
|
|
|
|
4.74%
|
|
|
5.49%
|
|
|
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 $25,000.00 loan: $449.03 at 4.74% APR with a 63 month term; $394.54 at 5.49% APR with a 75 month term; and $368.10 at 6.24% APR with an 84 month term. Your APR may differ based on your loan amount, repayment method, and other factors.
Watercraft Loan Rates
| |
|
|
|
|
|
|
4.24%
|
|
|
4.99%
|
|
|
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 $25,000.00 loan: $443.33 at 4.24% APR with a 63 month term; $388.70 at 4.99% APR with a 75 month term; and $362.11 at 5.74% APR with an 84 month term. Your APR may differ based on your loan amount, repayment method, and other factors.