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Home > Borrow > Loan Rates
 Loan Rates

The following loan product and rate information 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 other rate options, please contact us.

Effective date: March 12, 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   (2008 - 2010 model years)
  up to 36 month approximate term 4.24%
  37 to 48 month approximate term 4.49%
  49 to 63 month approximate term 4.74%
  64 - 75 month approximate term

5.49% ¹

  76 - 84 month approximate term 6.74% ²
Used Car or Light Truck Loan    (2003 - 2007 model years)
  up to 36 month approximate term 5.24%
  37 to 48 month approximate term 5.49%
  49 to 63 month approximate term 5.74%
  64 - 75 month approximate term

6.49% ¹

   
Please contact us for rates and other information about loans originated at dealerships that participate in Credit Union Direct Lending (CUDL). For untitled or older vehicles, our personal loan rates apply.

¹ This APR is only for vehicle loans greater than $15,000. The value of the vehicle is based on MSRP or retail value as determined by a credit union approved source. Not all borrowers will qualify for this rate and term. 

² This APR is only for vehicle loans greater than $30,000. The value of the vehicle is based on MSRP or retail value as determined by a credit union approved source. Not all borrowers will qualify for this rate and term.

 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)
  up to 5 year approximate term 5.75%
  up to 10 year approximate term 6.25%
  up to 15 year approximate term 7.00%

 
Property insurance is required. If you close a Home Equity Line of Credit or pay off a Home Equity Loan within 36 months after getting it, you may be required to reimburse the credit union for closing costs.

¹ APR on an Equity Line may vary 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% ¹
Personal Loan
  up to 30 month approximate term 8.74% ²
  31 to 48 month approximate term 9.24% ²
  49 to 60 month approximate term 9.74% ²
Savings Secured Personal Loan 3.74% - 4.39% ³
Certificate Secured Personal Loan Certificate rate + 3 percentage points

   
¹ APR on Personal Line of Credit may vary and may be adjusted monthly based on the Prime Rate published in the Wall Street Journal. Minimum APR is 7.00%.

² Other rates and terms are available. Minimum loan amount applies.

³ APR may vary.

 Credit Card Rates
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Product Annual Percentage Rate (APR) for purchases as low as
Visa® Platinum Card 8.99% ¹
Visa® Gold Rebate Card 10.99% ¹

 
¹ Which APR you receive is based on our internal credit criteria, including a review of your application and consumer report. Not all applicants are eligible or will qualify for a VACU credit card and/or a promotional balance transfer APR. Annually we will re-evaluate your credit information and at such time, your APR, excluding any promotional balance transfer APR, is subject to change. If your APR changes, you will be notified at least 45 days prior to such change.

 Boat Loan Rates
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Product Annual Percentage
Rate (APR) as low as
New Boat Loan   (2008 - 2010 model years)
  up to 36 month approximate term 5.49%
  37 to 48 month approximate term 5.74%
  49 to 63 month approximate term 5.99%
  64 - 75 month approximate term

6.74% ¹ ²

Used Boat Loan   (2003 - 2007 model years)
  up to 36 month approximate term 6.49%
  37 to 48 month approximate term 6.74%
  49 to 63 month approximate term 6.99%
  64 - 75 month approximate term

7.74% ¹

 
¹ This APR is only for vehicle loans greater than $15,000. The value of the vehicle is based on MSRP or retail value as determined by a credit union approved source. Not all borrowers will qualify for this rate and term.

² Contact us for additional term options and rates.

 Recreational Vehicle Loan Rates
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Product Annual Percentage
Rate (APR) as low as
New Recreational Vehicle Loan   (2008 - 2010 model years)
  up to 36 month approximate term 5.99%
  37 to 48 month approximate term 6.24%
  49 to 63 month approximate term 6.49%
  64 - 75 month approximate term

7.24% ¹ ²

Used Recreational Vehicle Loan   (2003 - 2007 model years)
  up to 36 month approximate term 6.99%
  37 to 48 month approximate term 7.24%
  49 to 63 month approximate term 7.49%
  64 - 75 month approximate term

8.24% ¹

 Motorcycle Loan Rates
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Product Annual Percentage
Rate (APR) as low as
New Motorcycle Loan   (2008 - 2010 model years)
  up to 36 month approximate term 6.49%
  37 to 48 month approximate term 6.74%
  49 to 63 month approximate term 6.99%
  64 - 75 month approximate term

7.74% ¹ ²

Used Motorcycle Loan   (2003 - 2007 model years)
  up to 36 month approximate term 7.49%
  37 to 48 month approximate term 7.74%
  49 to 63 month approximate term 7.99%
  64 - 75 month approximate term

8.74% ¹

 
¹ This APR is only for vehicle loans greater than $15,000. The value of the vehicle is based on MSRP or retail value as determined by a credit union approved source. Not all borrowers will qualify for this rate and term.

² Contact us for additional term options and rates.


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