*1.99% APR valid for 12 months from account opening and after that APR may vary. Listed APR range is current based on Prime Rate as of 7/1/15 and APR will never be more than 18%. Your qualifying APR is determined based on our internal credit criteria, loan to value (LTV), credit rating and other factors. LTV may not exceed 90%. Property insurance is required. If account is closed or paid off within 36 months of opening it, you will pay a reimbursement fee equal to the amount of closing costs originally paid by VACU. Minimum loan amount is $10,000. Contact us for other options, current rates and information or visit vacu.org.