Our affordable car loans offer you the same low rate whether your car is new or used. Rates as low as 1.99% APR1.

• 1 Rate effective as of 09/23/2021 to qualified borrowers and subject to change. Vehicle value is based on MSRP or by a source approved by us. Your annual percentage rate (APR) is based on our internal credit criteria. Listed APRs assume excellent credit, a 0.500% discount for an automated payment method approved by us, a 0.750% discount for a loan-to-value (LTV) that is 115% or less, and a 0.750% discount for a loan amount of $20,000 or more. Regardless of available discounts,  1.99% is the minimum APR offered. Minimum and maximum loan amounts apply. Ask us about other APR and longer term options. Please contact us for specific terms, rates, available discounts, and information about loans originated at dealerships that participate in Credit Union Direct Lending (CUDL).

1.99% APR intro rate for 12 months2 on purchases and balance transfers made within 60 days after opening a new VACU Mastercard®. After that, variable 8.99%-23.99% APR.

• 2 Conditions of Offer: Not all members qualify for this offer. Which promotional APRs for purchases and balance transfers that a qualified member receives is based upon such member’s standard APRs for purchases and balance transfers. Purchases made and balances transferred within 60 days of card opening retain a promotional APR for 12 months from card opening date. After that, the APR changes to the purchase APR and balance transfer APR in effect, which is currently 8.99% to 19.99% variable APR for Essential Mastercard; 10.99% to 21.99% variable APR for Cash Rewards Mastercard; and 12.99% to 23.99% variable APR for Flex Rewards Mastercard as of 6/1/2020 and subject to change. We will begin charging interest on balance transfers on the transaction date. If payment is ever 90 days or more past due; the promotional APR is forfeited and reverts back to the purchase and balance transfer APR then in effect and applies to the entire outstanding promotional balance. VACU is not responsible for any charge owed to any creditor because a payment was not applied by a specific date. VACU also reserves the right to decline any balance transfer request and may decline any that exceed the available credit limit. View our Disclosures for Special Offers or Card Agreement & Disclosure Statement for more information.

Offer extended! Apply by October 31st to take advantage of this limited time offer.3 Whether you're looking to purchase or refinance, we got you!

• 3 Virginia Credit Union is offering a $500 discount on closing costs on new mortgage loans subject to qualification and credit approval. This promotion is valid on new applications submitted between 04/01/21 and 10/31/2021. The closing cost reduction will be limited to the lesser of $500 or lender closing costs and may not exceed maximum seller contribution limits set by program guidelines. Mortgage loan must close by 01/31/2022. This is not available for VHDA, Housing Finance Agency/Bond, or Rural Development products. This offer can be used in conjunction with the VACU Realty, Virginia Select, and Joyner Fine Properties rebate. It cannot be combined with any other promotion or discount and is subject to compliance with Virginia Credit Union’s loan program guidelines.

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