Car Loans Car Loans Mortgage Mortgages Personal Loans Personal Loans Car Loans When you’re ready to buy or refinance a car, truck, or SUV, we can help with a low-rate loan. Learn more about car loans Apply now Rates as low as 1.99 % APR 1 1 Rate effective as of 09/30/2020. 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 0.500% discount for an automated payment method approved by us, a 0.500% discount for a loan-to-value (LTV) that is 115% or less, and a 0.750% discount for a loan amount of $20000 or more. Regardless of available discounts, 2.09% 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). Mortgages Buying a home is one of the biggest financial decisions you’ll make in life. It doesn’t have to be a big hassle. Home Purchase Home Refinance Today’s rates Learn more about mortgages Rates as low as 2.402 % APR 2 2 Rate effective as of 9/30/2020 10:22:56. The loan product and rate examples seen here are current as of the effective date shown above. These rates are for illustrative purposes only. Other product and rate options are available. Your actual rate and APR are dependent upon your application and may vary based on factors such as your credit score, loan purpose, occupancy, property type, loan amount, and the value of your home. Interest rate and APR are updated daily and subject to change without prior notice. Please note that an origination fee may be included in the APR. Home Equity Options Put the money you’ve invested in your home to work for you, with either a home equity loan (lump sum) or home equity line of credit (use whenever you need it). Home Equity Loans Home Equity Lines of Credit Learn more about equity options Home equity loan rates as low as 5.00 % APR 3 3 Rate effective as of 09/30/2020. 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 reimbursement fee 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. Personal Loans Receive a lump sum that helps you pay for larger purchases when you need money quickly. We also offer special lending for bicycles and personal lines of credit. Personal Loans Personal Lines of Credit Bicycle Loans Learn more about personal loans Secure a loan with savings for rates as low as 6.00 % APR 4 4 Rate effective as of 09/30/2020. Minimum and maximum loan amounts or credit limits apply. APR varies and may be adjusted monthly based on the Prime Rate published in the Wall Street Journal. Minimum APR is 6.00%. RV, Boat and Motorcycle Loans Our affordable options help you get on the road–or water–faster, while taking your money as far as it can go. Learn more about other vehicles Boat loan rates as low as 4.24 % APR 5 5 Rate effective as of 09/30/2020. 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, a .50% discount for a loan-to-value (LTV) that is 115% or less, and a .75% discount for a loan amount of $20,000.00 or more. Minimum and maximum loan amounts apply. Ask us about other APR and longer-term options. Please contact us for specific terms, rates, and available discounts.