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 10/16/2021 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 18 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 18 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 10/16/2021 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.

Handle the unexpected with a personal loan up to $50,000. Rates as low as 6.99% APR.3

• 3 Rate effective as of 10/16/2021. Minimum and maximum loan amounts or credit limits apply. Your APR will be determined based on our internal credit criteria. Listed APRs assume excellent credit, a 0.5% discount for an automated payment method approved by us. Repay a personal loan in a minimum of 3 months to a maximum of 60 months. Rates range between 9.49% to a maximum APR rate of 24.99%. No application fee. Payment example: Based on a $10,000 loan with a monthly payment of $197.95 at 6.99% APR with a 60 month term. Other options are available with APR based on loan amount, repayment method, term and other factors. This example is an estimate only and assumes all payments are made on time. Members who are approved for a personal loan will receive a 2.0% discount for a loan amount of $7,500 or more for 48 months or more, and a 3.0% discount for a loan amount of $10,000 or more for 60 months or more. Regardless of available discounts, 6.99% is the minimum APR offered which includes maximum discounts. Ask us about other APR and longer term options.

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