Loan Rates Say goodbye to high monthly payments. Our loan rates are some of the lowest around, and that’s because we want your money to go further.1 1 The loan product and rate information seen here is current as of 01/27/2022. We sometimes offer other rates and terms for a period of time. Your rate may vary based on factors such as your credit history and payment method. For more information, please contact Member Services at (804) 323-6800 or (800) 285-6609. Car Loan Rates Product Term APR* (as low as) Car or Light Truck Loan up to 48 months 1.99% Car or Light Truck Loan up to 66 months 2.59% Car or Light Truck Loan up to 72 months 2.84% Car or Light Truck Loan up to 78 months 3.09% Car or Light Truck Loan up to 84 months 4.34% Footnotes * 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 0.5% 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 0.75% 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). Payment example based on a $20,000.00 loan: $433.82 at 1.99% APR with a 48 month term; $325.45 at 2.59% APR with a 66 month term; $302.44 at 2.84% APR with a 72 month term; $283.35 at 3.09% APR with a 78 month term; and $276.52 at 4.34% APR with an 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors. Home Equity Loan & Line Rates Product APR* (as low as) Home Equity Line of Credit** 3.75% Home Equity Loan 5.00% Footnotes * 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. ** APR varies and may be adjusted monthly based on the Prime Rate published in the Wall Street Journal. Minimum APR is 5.5%. Maximum APR is 18.00%. Bicycle Loan Rates Product APR* (starting at) Bicycle Loan 9.49% Footnotes * Rate effective as of 01/27/2022. Your APR will be determined based on our internal credit criteria. Listed APRs assume excellent credit rating and include a 0.500% discount for repaying by an automated payment method approved by us. Minimum and maximum loan amounts or credit limits apply. 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, is the minimum APR offered which includes maximum discounts. Personal Loan & Line Rates Product APR* (as low as) Personal Line of Credit** 5.00% Personal Loan*** 6.99% Deposit Secured Personal Loan**** 6.00% Footnotes * 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 5.00%. *** Rate effective as of 01/27/2022. 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. **** APR varies and may be adjusted monthly based on the Prime Rate published in the Wall Street Journal. Minimum APR is 6%. Credit Card Rates Product Annual Fee APR* (as low as) Essential Mastercard® No Annual Fee 8.99% Cash Rewards Mastercard® No Annual Fee 10.99% Flex Rewards Mastercard® No Annual Fee 12.99% Footnotes * Your APR, including any promotional APR, will be determined based on our internal credit criteria. Periodically we will evaluate your credit information and at such time your margin is subject to increase or decrease, which impacts your APR. Minimum and Maximum credit limits apply. The Variable rate is subject to change quarterly based on the highest Prime Rate published in the Wall Street Journal. Motorcycle Loan Rates Product Term APR* (as low as) Motorcycle Loan Rates up to 48 months 5.24% Motorcycle Loan Rates up to 66 months 5.74% Motorcycle Loan Rates up to 72 months 5.99% Motorcycle Loan Rates up to 78 months 6.24% Motorcycle Loan Rates up to 84 months 7.49% Footnotes * 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 0.750% discount for a loan-to-value (LTV) of less than 115%, and a 0.750% discount for a loan amount of $20,000 or more. Regardless of available discounts, 5.24% is the minimum APR offered. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts. Payment example based on a $20,000.00 loan: $462.76 at 5.24% APR with a 48 month term; $354.09 at 5.74% APR with a 66 month term; $331.36 at 5.99% APR with a 72 month term; $312.57 at 6.24% APR with a 78 month term; and $306.67 at 7.49% APR with an 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors. Recreational Vehicle Loan Rates Product Term APR* (as low as) Recreational Vehicle Loan Rates up to 48 months 4.74% Recreational Vehicle Loan Rates up to 66 months 5.24% Recreational Vehicle Loan Rates up to 72 months 5.49% Recreational Vehicle Loan Rates up to 78 months 5.74% Recreational Vehicle Loan Rates up to 84 months 6.99% Footnotes * 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 0.750% discount for a loan-to-value (LTV) of less than 115% and a 0.750% discount for a loan amount of $20000 or more. Regardless of available Discounts, 4.74% is the minimum APR offered. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts. Payment example based on a $20,000.00 loan: $458.23 at 4.74% APR with a 48 month term; $349.45 at 5.24% APR with a 66 month term; $326.66 at 5.49% APR with a 72 month term; $307.82 at 5.74% APR with a 78 month term; and $301.76 at 6.99% APR with an 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors. Watercraft Loan Rates Product Term APR* (as low as) Watercraft Loan Rates up to 48 months 4.24% Watercraft Loan Rates up to 66 months 4.74% Watercraft Loan Rates up to 72 months 4.99% Watercraft Loan Rates up to 78 months 5.24% Watercraft Loan Rates up to 84 months 6.49% Footnotes * 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 0.750% discount for a loan-to-value (LTV) of less than 115%, and a 0.750% discount for a loan amount of $20,000 or more. Regardless of available discounts, 4.24% is the minimum APR offered. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts. Payment example based on a $20,000.00 loan: $453.73 at 4.24% APR with a 48 month term; $344.84 at 4.74% APR with a 66 month term; $322.01 at 4.99% APR with a 72 month term; $303.11 at 5.24% APR with a 78 month term; and $296.89 at 6.49% APR with an 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors. Home Purchase Rates Virginia Credit Union offers some of the best mortgage rates around and a variety of mortgage programs to meet your needs.2 2 The loan product and rate examples seen here are current as of 1/26/2022 10:59:03. 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. You can view assumptions and a payment example by clicking on a rate or APR above. Conventional Fixed Rate Product Term Rate APR Points* 30 Year Fixed Rate 360 3.375% payment example 3.647% 1.136 30 Year Fixed Rate 360 3.625% payment example 3.821% 0.160 20 Year Fixed Rate 240 3.125% payment example 3.492% 1.048 20 Year Fixed Rate 240 3.375% payment example 3.598% -0.253 15 Year Fixed Rate 180 2.500% payment example 3.016% 1.320 15 Year Fixed Rate 180 2.625% payment example 3.062% 0.758 10 Year Fixed Rate 120 2.375% payment example 3.066% 1.030 10 Year Fixed Rate 120 2.625% payment example 3.128% 0.123 Footnotes Fixed Rate * Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don’t want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer. Adjustable Rate Mortgage Product Term Rate APR Points* 10/1 ARM 360 2.750% payment example 3.051% -0.250 10/1 ARM 360 3.000% payment example 3.186% -0.875 7/1 ARM 360 2.625% payment example 3.107% 0.500 7/1 ARM 360 2.875% payment example 3.174% -0.125 5/1 ARM 360 2.375% payment example 3.047% 0.125 5/1 ARM 360 2.625% payment example 3.088% -0.500 Footnotes Adjustable Rate Mortgage * Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don’t want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer. FHA Fixed Rate Mortgage Product Term Rate APR Points* 30 Year Fixed Rate Mortgage 360 3.500% payment example 4.742% 0.278 30 Year Fixed Rate Mortgage 360 3.750% payment example 4.947% -0.190 Footnotes Fixed Rate Mortgage * Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don’t want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer. VHDA VHDA Product Term Rate APR Points* 30 Year FHA Fixed Rate 360 3.375% payment example 4.742% 1.625 30 Year FHA Fixed Rate 360 3.625% payment example 4.922% 0.875 FHA Plus 30 Year Fixed Rate Second Mortgage 360 3.625% payment example 4.990% 1.625 FHA Plus 30 Year Fixed Rate Second Mortgage 360 3.875% payment example 5.169% 0.875 Footnotes VHDA * Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don’t want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer. USDA-Rural Development USDA-Rural Development Product Term Rate APR Points* 30 Year USDA-Rural Development Fixed Rate 360 3.500% payment example 4.130% 0.344 30 Year USDA-Rural Development Fixed Rate 360 3.750% payment example 4.301% -0.601 Footnotes USDA-Rural Development * Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don’t want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer. VA VA Product Term Rate APR Points* 30 Year Fixed Rate 360 3.500% payment example 3.737% 0.825 30 Year Fixed Rate 360 3.750% payment example 3.935% 0.143 Footnotes VA * Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don’t want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer. Home Refinancing Rates Refinance for a low-rate mortgage and put more money toward the things that matter most to you.3 3 The loan product and rate examples seen here are current as of 1/26/2022 10:59:03. 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. You can view assumptions and a payment example by clicking on a rate or APR above. No Closing Cost Refinance No Closing Cost Refinance Fixed Rate Product Term Rate APR Points* 30 Year No Closing Cost Refinance Fixed Rate 360 4.500% payment example 4.695% 0.354 30 Year No Closing Cost Refinance Fixed Rate 360 4.750% payment example 4.901% -0.603 15 Year No Closing Cost Refinance Fixed Rate 180 4.000% payment example 4.257% -0.710 15 Year No Closing Cost Refinance Fixed Rate 180 4.250% payment example 4.509% -0.620 Footnotes No Closing Cost Refinance Fixed Rate * Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don’t want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer. Conventional Conventional Product Term Rate APR Points* 30 Year Fixed Rate 360 3.625% payment example 3.841% 0.410 30 Year Fixed Rate 360 3.875% payment example 4.018% -0.641 20 Year Fixed Rate 240 3.375% payment example 3.626% -0.003 20 Year Fixed Rate 240 3.625% payment example 3.822% -0.909 15 Year Fixed Rate 180 2.875% payment example 3.214% 0.062 15 Year Fixed Rate 180 3.125% payment example 3.376% -0.646 10 Year Fixed Rate 120 2.875% payment example 3.326% -0.144 10 Year Fixed Rate 120 3.125% payment example 3.490% -1.053 Footnotes Conventional * Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don’t want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer. Adjustable Rate Mortgage Product Term Rate APR Points* 10/1 ARM 360 2.750% payment example 3.071% 0.000 10/1 ARM 360 3.000% payment example 3.186% -0.625 7/1 ARM 360 2.625% payment example 3.126% 0.750 7/1 ARM 360 2.875% payment example 3.193% 0.125 5/1 ARM 360 2.375% payment example 3.066% 0.375 5/1 ARM 360 2.625% payment example 3.105% -0.250 Footnotes Adjustable Rate Mortgage * Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don’t want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer. Deposit Rates Whether you’re just getting started on your savings or you’re actively building a nest egg, you can earn extra money with great yields on federally insured deposits.4 4 The deposit rate information applies to accounts starting on the 01/27/2022. If you have any questions or if we can help you in any way, please contact Member Services at (804) 323-6800 or (800) 285-6609. Checking Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Compounding Frequency Checking Plus $20 $1 0.05% 0.05% Monthly Checking Plus $20 $5000 0.15% 0.15% Monthly Enhanced Benefit Checking $20 $1 0.05% 0.05% Monthly Enhanced Benefit Checking $20 $5000 0.15% 0.15% Monthly Extra Credit Checking (ages 13-22)** $20 $1 0.05% 0.05% Monthly Extra Credit Checking (ages 13-22) $20 $5000 0.15% 0.15% Monthly Checking Rates Footnotes * APYs may change after account is opened. Fees may reduce earnings on your accounts. Please contact us if we can help you in any way. ** Applicants under age 15 must have a joint owner on the account. Regular Savings Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Compounding Frequency Regular Savings $5 $100 0.05% 0.05% Quarterly Regular Savings $5 $500 0.15% 0.15% Quarterly Regular Savings Rates Footnotes * APYs may change after account is opened. Fees may reduce earnings on your accounts. For Regular Savings there is no minimum balance to earn APY for members under age 23. Please contact us if we can help you in any way. Money Market Savings Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Compounding Frequency Premium Money Market $10000 $100 0.05% 0.05% Monthly Premium Money Market $10000 $10000 0.20% 0.20% Monthly Premium Plus Money Market $25000 $100 0.05% 0.05% Monthly Premium Plus Money Market $25000 $25000 0.20% 0.20% Monthly Premium Plus Money Market $25000 $50000 0.25% 0.25% Monthly Premium Plus Money Market $25000 $100000 0.30% 0.30% Monthly Premium Plus Money Market $25000 $250000 0.35% 0.35% Monthly Money Market Savings Rates Footnotes * APYs may change after account is opened. Fees may reduce earnings on your accounts. Please contact us if we can help you in any way. Savings Certificate Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Compounding Frequency 6 month certificate** $500 $500 0.25% 0.25% Quarterly 6 month certificate $5000 $5000 0.25% 0.25% Monthly 6 month certificate $50000 $50000 0.25% 0.25% Monthly 6 month certificate $100000 $100000 0.25% 0.25% Monthly 12 month certificate*** $500 $500 0.40% 0.40% Quarterly 12 month certificate $5000 $5000 0.40% 0.40% Monthly 12 month certificate $50000 $50000 0.40% 0.40% Monthly 12 month certificate $100000 $100000 0.40% 0.40% Monthly 24 Month Certificate $500 $500 0.50% 0.50% Quarterly 24 Month Certificate $5000 $5000 0.50% 0.50% Monthly 24 Month Certificate $50000 $50000 0.50% 0.50% Monthly 24 Month Certificate $100000 $100000 0.50% 0.50% Monthly 36 month certificate $500 $500 0.65% 0.65% Quarterly 36 month certificate $5000 $5000 0.65% 0.65% Monthly 36 month certificate $50000 $50000 0.65% 0.65% Monthly 36 month certificate $100000 $100000 0.65% 0.65% Monthly 48 month certificate $500 $500 0.75% 0.75% Quarterly 48 month certificate $5000 $5000 0.75% 0.75% Monthly 48 month certificate $50000 $50000 0.75% 0.75% Monthly 48 month certificate $100000 $100000 0.75% 0.75% Monthly 60 month certificate $500 $500 0.80% 0.80% Quarterly 60 month certificate $5000 $5000 0.80% 0.80% Monthly 60 month certificate $50000 $50000 0.80% 0.80% Monthly 60 month certificate $100000 $100000 0.80% 0.80% Monthly Savings Certificate Rates Footnotes * A penalty may be imposed for early withdrawals. Fees may reduce earnings on your account. For more information, contact us. ** If you desire an add-on feature for certificates of $50,000 or more, to make additional deposits to the certificate during its term, please contact us for rates. *** If you desire an add-on feature for certificates of $50,000 or more, to make additional deposits to the certificate during its term, please contact us for rates. Individual Retirement Account Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Compounding Frequency 12 month IRA $100 $100 0.40% 0.40% Quarterly 12 month IRA $5000 $5000 0.40% 0.40% Monthly 12 month IRA $50000 $50000 0.40% 0.40% Monthly 12 month IRA $100000 $100000 0.40% 0.40% Monthly 18 month variable IRA $500 $500 0.40% 0.40% Quarterly 18 month variable IRA $5000 $5000 0.40% 0.40% Monthly 18 month variable IRA $50000 $50000 0.40% 0.40% Monthly 18 month variable IRA $100000 $100000 0.40% 0.40% Monthly 24 month IRA $100 $100 0.50% 0.50% Quarterly 24 month IRA $5000 $5000 0.50% 0.50% Monthly 24 month IRA $50000 $50000 0.50% 0.50% Monthly 24 month IRA $100000 $100000 0.50% 0.50% Monthly 36 month IRA $100 $100 0.65% 0.65% Quarterly 36 month IRA $5000 $5000 0.65% 0.65% Monthly 36 month IRA $50000 $50000 0.65% 0.65% Monthly 36 month IRA $100000 $100000 0.65% 0.65% Monthly 48 month IRA $100 $100 0.75% 0.75% Quarterly 48 month IRA $5000 $5000 0.75% 0.75% Monthly 48 month IRA $50000 $50000 0.75% 0.75% Monthly 48 month IRA $100000 $100000 0.75% 0.75% Monthly 60 month IRA $100 $100 0.80% 0.80% Quarterly 60 month IRA $5000 $5000 0.80% 0.80% Monthly 60 month IRA $50000 $50000 0.80% 0.80% Monthly 60 month IRA $100000 $100000 0.80% 0.80% Monthly Individual Retirement Account Rates Footnotes * A penalty may be imposed for early withdrawals. Fees may reduce earnings on your account. For more information, contact us. Health Savings Account Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Compounding Frequency Health Savings Account $5 $100 0.20% 0.20% Quarterly Health Savings Account Rates Footnotes * APY is subject to change after account is opened. Fees may reduce earnings on your account. Please contact us if we can help you in any way. Business Deposit Rates Whether your organization is a startup, in growth mode, or established, our flexible deposit options can help your business thrive.5 5 The deposit rate information applies to accounts starting on the 01/27/2022. If you have any questions or if we can help you in any way, please contact Member Services at (804) 323-6800 or (800) 285-6609. Business Money Market Checking Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Compounding Frequency Business Money Market Checking $100 $100 0.05% 0.05% Monthly Business Money Market Checking $100 $1500 0.10% 0.10% Monthly Business Plus Money Market Checking $100 $100 0.05% 0.05% Monthly Business Plus Money Market Checking $100 $25000 0.15% 0.15% Monthly Business Plus Money Market Checking $100 $50000 0.20% 0.20% Monthly Business Plus Money Market Checking $100 $100000 0.25% 0.25% Monthly Business Plus Money Market Checking $100 $250000 0.30% 0.30% Monthly Business Money Market Checking Rates Footnotes * APYs may change after account is opened. Fees may reduce earnings on your accounts. Please contact us if we can help you in any way. Business Savings Certificate Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Compounding Frequency 6 month certificate** $500 $500 0.25% 0.25% Quarterly 6 month certificate $5000 $5000 0.25% 0.25% Monthly 6 month certificate $50000 $50000 0.25% 0.25% Monthly 6 month certificate $100000 $100000 0.25% 0.25% Monthly 12 month certificate*** $500 $500 0.40% 0.40% Quarterly 12 month certificate $5000 $5000 0.40% 0.40% Monthly 12 month certificate $50000 $50000 0.40% 0.40% Monthly 12 month certificate $100000 $100000 0.40% 0.40% Monthly 24 month certificate $500 $500 0.50% 0.50% Quarterly 24 month certificate $5000 $5000 0.50% 0.50% Monthly 24 month certificate $50000 $50000 0.50% 0.50% Monthly 24 month certificate $100000 $100000 0.50% 0.50% Monthly 36 month certificate $500 $500 0.65% 0.65% Quarterly 36 month certificate $5000 $5000 0.65% 0.65% Monthly 36 month certificate $50000 $50000 0.65% 0.65% Monthly 36 month certificate $100000 $100000 0.65% 0.65% Monthly 48 month certificate $500 $500 0.75% 0.75% Quarterly 48 month certificate $5000 $5000 0.75% 0.75% Monthly 48 month certificate $50000 $50000 0.75% 0.75% Monthly 48 month certificate $100000 $100000 0.75% 0.75% Monthly 60 month certificate $500 $500 0.80% 0.80% Quarterly 60 month certificate $5000 $5000 0.80% 0.80% Monthly 60 month certificate $50000 $50000 0.80% 0.80% Monthly 60 month certificate $100000 $100000 0.80% 0.80% Monthly Business Savings Certificate Rates Footnotes * A penalty may be imposed for early withdrawals. Fees may reduce earnings on your account. For more information, contact us. ** For savings certificates of $25,000 or more and maturities 12 months or less, you may elect one of two options at account opening/renewal: 1) earn the rate in effect for the applicable minimum balance/term and make additional deposits only at maturity; or 2) earn the rate in effect for a $5,000 minimum balance certificate for the applicable term in order to make additional deposits to the certificate any time during the term. *** For savings certificates of $25,000 or more and maturities 12 months or less, you may elect one of two options at account opening/renewal: 1) earn the rate in effect for the applicable minimum balance/term and make additional deposits only at maturity; or 2) earn the rate in effect for a $5,000 minimum balance certificate for the applicable term in order to make additional deposits to the certificate any time during the term.
Car Loan Rates Product Term APR* (as low as) Car or Light Truck Loan up to 48 months 1.99% Car or Light Truck Loan up to 66 months 2.59% Car or Light Truck Loan up to 72 months 2.84% Car or Light Truck Loan up to 78 months 3.09% Car or Light Truck Loan up to 84 months 4.34% Footnotes * 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 0.5% 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 0.75% 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). Payment example based on a $20,000.00 loan: $433.82 at 1.99% APR with a 48 month term; $325.45 at 2.59% APR with a 66 month term; $302.44 at 2.84% APR with a 72 month term; $283.35 at 3.09% APR with a 78 month term; and $276.52 at 4.34% APR with an 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.
Home Equity Loan & Line Rates Product APR* (as low as) Home Equity Line of Credit** 3.75% Home Equity Loan 5.00% Footnotes * 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. ** APR varies and may be adjusted monthly based on the Prime Rate published in the Wall Street Journal. Minimum APR is 5.5%. Maximum APR is 18.00%.
Bicycle Loan Rates Product APR* (starting at) Bicycle Loan 9.49% Footnotes * Rate effective as of 01/27/2022. Your APR will be determined based on our internal credit criteria. Listed APRs assume excellent credit rating and include a 0.500% discount for repaying by an automated payment method approved by us. Minimum and maximum loan amounts or credit limits apply. 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, is the minimum APR offered which includes maximum discounts.
Personal Loan & Line Rates Product APR* (as low as) Personal Line of Credit** 5.00% Personal Loan*** 6.99% Deposit Secured Personal Loan**** 6.00% Footnotes * 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 5.00%. *** Rate effective as of 01/27/2022. 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. **** APR varies and may be adjusted monthly based on the Prime Rate published in the Wall Street Journal. Minimum APR is 6%.
Credit Card Rates Product Annual Fee APR* (as low as) Essential Mastercard® No Annual Fee 8.99% Cash Rewards Mastercard® No Annual Fee 10.99% Flex Rewards Mastercard® No Annual Fee 12.99% Footnotes * Your APR, including any promotional APR, will be determined based on our internal credit criteria. Periodically we will evaluate your credit information and at such time your margin is subject to increase or decrease, which impacts your APR. Minimum and Maximum credit limits apply. The Variable rate is subject to change quarterly based on the highest Prime Rate published in the Wall Street Journal.
Motorcycle Loan Rates Product Term APR* (as low as) Motorcycle Loan Rates up to 48 months 5.24% Motorcycle Loan Rates up to 66 months 5.74% Motorcycle Loan Rates up to 72 months 5.99% Motorcycle Loan Rates up to 78 months 6.24% Motorcycle Loan Rates up to 84 months 7.49% Footnotes * 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 0.750% discount for a loan-to-value (LTV) of less than 115%, and a 0.750% discount for a loan amount of $20,000 or more. Regardless of available discounts, 5.24% is the minimum APR offered. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts. Payment example based on a $20,000.00 loan: $462.76 at 5.24% APR with a 48 month term; $354.09 at 5.74% APR with a 66 month term; $331.36 at 5.99% APR with a 72 month term; $312.57 at 6.24% APR with a 78 month term; and $306.67 at 7.49% APR with an 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.
Recreational Vehicle Loan Rates Product Term APR* (as low as) Recreational Vehicle Loan Rates up to 48 months 4.74% Recreational Vehicle Loan Rates up to 66 months 5.24% Recreational Vehicle Loan Rates up to 72 months 5.49% Recreational Vehicle Loan Rates up to 78 months 5.74% Recreational Vehicle Loan Rates up to 84 months 6.99% Footnotes * 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 0.750% discount for a loan-to-value (LTV) of less than 115% and a 0.750% discount for a loan amount of $20000 or more. Regardless of available Discounts, 4.74% is the minimum APR offered. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts. Payment example based on a $20,000.00 loan: $458.23 at 4.74% APR with a 48 month term; $349.45 at 5.24% APR with a 66 month term; $326.66 at 5.49% APR with a 72 month term; $307.82 at 5.74% APR with a 78 month term; and $301.76 at 6.99% APR with an 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.
Watercraft Loan Rates Product Term APR* (as low as) Watercraft Loan Rates up to 48 months 4.24% Watercraft Loan Rates up to 66 months 4.74% Watercraft Loan Rates up to 72 months 4.99% Watercraft Loan Rates up to 78 months 5.24% Watercraft Loan Rates up to 84 months 6.49% Footnotes * 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 0.750% discount for a loan-to-value (LTV) of less than 115%, and a 0.750% discount for a loan amount of $20,000 or more. Regardless of available discounts, 4.24% is the minimum APR offered. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts. Payment example based on a $20,000.00 loan: $453.73 at 4.24% APR with a 48 month term; $344.84 at 4.74% APR with a 66 month term; $322.01 at 4.99% APR with a 72 month term; $303.11 at 5.24% APR with a 78 month term; and $296.89 at 6.49% APR with an 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.
Fixed Rate Product Term Rate APR Points* 30 Year Fixed Rate 360 3.375% payment example 3.647% 1.136 30 Year Fixed Rate 360 3.625% payment example 3.821% 0.160 20 Year Fixed Rate 240 3.125% payment example 3.492% 1.048 20 Year Fixed Rate 240 3.375% payment example 3.598% -0.253 15 Year Fixed Rate 180 2.500% payment example 3.016% 1.320 15 Year Fixed Rate 180 2.625% payment example 3.062% 0.758 10 Year Fixed Rate 120 2.375% payment example 3.066% 1.030 10 Year Fixed Rate 120 2.625% payment example 3.128% 0.123 Footnotes Fixed Rate * Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don’t want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer.
Adjustable Rate Mortgage Product Term Rate APR Points* 10/1 ARM 360 2.750% payment example 3.051% -0.250 10/1 ARM 360 3.000% payment example 3.186% -0.875 7/1 ARM 360 2.625% payment example 3.107% 0.500 7/1 ARM 360 2.875% payment example 3.174% -0.125 5/1 ARM 360 2.375% payment example 3.047% 0.125 5/1 ARM 360 2.625% payment example 3.088% -0.500 Footnotes Adjustable Rate Mortgage * Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don’t want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer.
Fixed Rate Mortgage Product Term Rate APR Points* 30 Year Fixed Rate Mortgage 360 3.500% payment example 4.742% 0.278 30 Year Fixed Rate Mortgage 360 3.750% payment example 4.947% -0.190 Footnotes Fixed Rate Mortgage * Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don’t want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer.
VHDA Product Term Rate APR Points* 30 Year FHA Fixed Rate 360 3.375% payment example 4.742% 1.625 30 Year FHA Fixed Rate 360 3.625% payment example 4.922% 0.875 FHA Plus 30 Year Fixed Rate Second Mortgage 360 3.625% payment example 4.990% 1.625 FHA Plus 30 Year Fixed Rate Second Mortgage 360 3.875% payment example 5.169% 0.875 Footnotes VHDA * Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don’t want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer.
USDA-Rural Development Product Term Rate APR Points* 30 Year USDA-Rural Development Fixed Rate 360 3.500% payment example 4.130% 0.344 30 Year USDA-Rural Development Fixed Rate 360 3.750% payment example 4.301% -0.601 Footnotes USDA-Rural Development * Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don’t want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer.
VA Product Term Rate APR Points* 30 Year Fixed Rate 360 3.500% payment example 3.737% 0.825 30 Year Fixed Rate 360 3.750% payment example 3.935% 0.143 Footnotes VA * Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don’t want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer.
No Closing Cost Refinance Fixed Rate Product Term Rate APR Points* 30 Year No Closing Cost Refinance Fixed Rate 360 4.500% payment example 4.695% 0.354 30 Year No Closing Cost Refinance Fixed Rate 360 4.750% payment example 4.901% -0.603 15 Year No Closing Cost Refinance Fixed Rate 180 4.000% payment example 4.257% -0.710 15 Year No Closing Cost Refinance Fixed Rate 180 4.250% payment example 4.509% -0.620 Footnotes No Closing Cost Refinance Fixed Rate * Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don’t want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer.
Conventional Product Term Rate APR Points* 30 Year Fixed Rate 360 3.625% payment example 3.841% 0.410 30 Year Fixed Rate 360 3.875% payment example 4.018% -0.641 20 Year Fixed Rate 240 3.375% payment example 3.626% -0.003 20 Year Fixed Rate 240 3.625% payment example 3.822% -0.909 15 Year Fixed Rate 180 2.875% payment example 3.214% 0.062 15 Year Fixed Rate 180 3.125% payment example 3.376% -0.646 10 Year Fixed Rate 120 2.875% payment example 3.326% -0.144 10 Year Fixed Rate 120 3.125% payment example 3.490% -1.053 Footnotes Conventional * Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don’t want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer.
Adjustable Rate Mortgage Product Term Rate APR Points* 10/1 ARM 360 2.750% payment example 3.071% 0.000 10/1 ARM 360 3.000% payment example 3.186% -0.625 7/1 ARM 360 2.625% payment example 3.126% 0.750 7/1 ARM 360 2.875% payment example 3.193% 0.125 5/1 ARM 360 2.375% payment example 3.066% 0.375 5/1 ARM 360 2.625% payment example 3.105% -0.250 Footnotes Adjustable Rate Mortgage * Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don’t want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer.
Checking Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Compounding Frequency Checking Plus $20 $1 0.05% 0.05% Monthly Checking Plus $20 $5000 0.15% 0.15% Monthly Enhanced Benefit Checking $20 $1 0.05% 0.05% Monthly Enhanced Benefit Checking $20 $5000 0.15% 0.15% Monthly Extra Credit Checking (ages 13-22)** $20 $1 0.05% 0.05% Monthly Extra Credit Checking (ages 13-22) $20 $5000 0.15% 0.15% Monthly Checking Rates Footnotes * APYs may change after account is opened. Fees may reduce earnings on your accounts. Please contact us if we can help you in any way. ** Applicants under age 15 must have a joint owner on the account.
Regular Savings Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Compounding Frequency Regular Savings $5 $100 0.05% 0.05% Quarterly Regular Savings $5 $500 0.15% 0.15% Quarterly Regular Savings Rates Footnotes * APYs may change after account is opened. Fees may reduce earnings on your accounts. For Regular Savings there is no minimum balance to earn APY for members under age 23. Please contact us if we can help you in any way.
Money Market Savings Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Compounding Frequency Premium Money Market $10000 $100 0.05% 0.05% Monthly Premium Money Market $10000 $10000 0.20% 0.20% Monthly Premium Plus Money Market $25000 $100 0.05% 0.05% Monthly Premium Plus Money Market $25000 $25000 0.20% 0.20% Monthly Premium Plus Money Market $25000 $50000 0.25% 0.25% Monthly Premium Plus Money Market $25000 $100000 0.30% 0.30% Monthly Premium Plus Money Market $25000 $250000 0.35% 0.35% Monthly Money Market Savings Rates Footnotes * APYs may change after account is opened. Fees may reduce earnings on your accounts. Please contact us if we can help you in any way.
Savings Certificate Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Compounding Frequency 6 month certificate** $500 $500 0.25% 0.25% Quarterly 6 month certificate $5000 $5000 0.25% 0.25% Monthly 6 month certificate $50000 $50000 0.25% 0.25% Monthly 6 month certificate $100000 $100000 0.25% 0.25% Monthly 12 month certificate*** $500 $500 0.40% 0.40% Quarterly 12 month certificate $5000 $5000 0.40% 0.40% Monthly 12 month certificate $50000 $50000 0.40% 0.40% Monthly 12 month certificate $100000 $100000 0.40% 0.40% Monthly 24 Month Certificate $500 $500 0.50% 0.50% Quarterly 24 Month Certificate $5000 $5000 0.50% 0.50% Monthly 24 Month Certificate $50000 $50000 0.50% 0.50% Monthly 24 Month Certificate $100000 $100000 0.50% 0.50% Monthly 36 month certificate $500 $500 0.65% 0.65% Quarterly 36 month certificate $5000 $5000 0.65% 0.65% Monthly 36 month certificate $50000 $50000 0.65% 0.65% Monthly 36 month certificate $100000 $100000 0.65% 0.65% Monthly 48 month certificate $500 $500 0.75% 0.75% Quarterly 48 month certificate $5000 $5000 0.75% 0.75% Monthly 48 month certificate $50000 $50000 0.75% 0.75% Monthly 48 month certificate $100000 $100000 0.75% 0.75% Monthly 60 month certificate $500 $500 0.80% 0.80% Quarterly 60 month certificate $5000 $5000 0.80% 0.80% Monthly 60 month certificate $50000 $50000 0.80% 0.80% Monthly 60 month certificate $100000 $100000 0.80% 0.80% Monthly Savings Certificate Rates Footnotes * A penalty may be imposed for early withdrawals. Fees may reduce earnings on your account. For more information, contact us. ** If you desire an add-on feature for certificates of $50,000 or more, to make additional deposits to the certificate during its term, please contact us for rates. *** If you desire an add-on feature for certificates of $50,000 or more, to make additional deposits to the certificate during its term, please contact us for rates.
Individual Retirement Account Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Compounding Frequency 12 month IRA $100 $100 0.40% 0.40% Quarterly 12 month IRA $5000 $5000 0.40% 0.40% Monthly 12 month IRA $50000 $50000 0.40% 0.40% Monthly 12 month IRA $100000 $100000 0.40% 0.40% Monthly 18 month variable IRA $500 $500 0.40% 0.40% Quarterly 18 month variable IRA $5000 $5000 0.40% 0.40% Monthly 18 month variable IRA $50000 $50000 0.40% 0.40% Monthly 18 month variable IRA $100000 $100000 0.40% 0.40% Monthly 24 month IRA $100 $100 0.50% 0.50% Quarterly 24 month IRA $5000 $5000 0.50% 0.50% Monthly 24 month IRA $50000 $50000 0.50% 0.50% Monthly 24 month IRA $100000 $100000 0.50% 0.50% Monthly 36 month IRA $100 $100 0.65% 0.65% Quarterly 36 month IRA $5000 $5000 0.65% 0.65% Monthly 36 month IRA $50000 $50000 0.65% 0.65% Monthly 36 month IRA $100000 $100000 0.65% 0.65% Monthly 48 month IRA $100 $100 0.75% 0.75% Quarterly 48 month IRA $5000 $5000 0.75% 0.75% Monthly 48 month IRA $50000 $50000 0.75% 0.75% Monthly 48 month IRA $100000 $100000 0.75% 0.75% Monthly 60 month IRA $100 $100 0.80% 0.80% Quarterly 60 month IRA $5000 $5000 0.80% 0.80% Monthly 60 month IRA $50000 $50000 0.80% 0.80% Monthly 60 month IRA $100000 $100000 0.80% 0.80% Monthly Individual Retirement Account Rates Footnotes * A penalty may be imposed for early withdrawals. Fees may reduce earnings on your account. For more information, contact us.
Health Savings Account Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Compounding Frequency Health Savings Account $5 $100 0.20% 0.20% Quarterly Health Savings Account Rates Footnotes * APY is subject to change after account is opened. Fees may reduce earnings on your account. Please contact us if we can help you in any way.
Business Money Market Checking Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Compounding Frequency Business Money Market Checking $100 $100 0.05% 0.05% Monthly Business Money Market Checking $100 $1500 0.10% 0.10% Monthly Business Plus Money Market Checking $100 $100 0.05% 0.05% Monthly Business Plus Money Market Checking $100 $25000 0.15% 0.15% Monthly Business Plus Money Market Checking $100 $50000 0.20% 0.20% Monthly Business Plus Money Market Checking $100 $100000 0.25% 0.25% Monthly Business Plus Money Market Checking $100 $250000 0.30% 0.30% Monthly Business Money Market Checking Rates Footnotes * APYs may change after account is opened. Fees may reduce earnings on your accounts. Please contact us if we can help you in any way.
Business Savings Certificate Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Compounding Frequency 6 month certificate** $500 $500 0.25% 0.25% Quarterly 6 month certificate $5000 $5000 0.25% 0.25% Monthly 6 month certificate $50000 $50000 0.25% 0.25% Monthly 6 month certificate $100000 $100000 0.25% 0.25% Monthly 12 month certificate*** $500 $500 0.40% 0.40% Quarterly 12 month certificate $5000 $5000 0.40% 0.40% Monthly 12 month certificate $50000 $50000 0.40% 0.40% Monthly 12 month certificate $100000 $100000 0.40% 0.40% Monthly 24 month certificate $500 $500 0.50% 0.50% Quarterly 24 month certificate $5000 $5000 0.50% 0.50% Monthly 24 month certificate $50000 $50000 0.50% 0.50% Monthly 24 month certificate $100000 $100000 0.50% 0.50% Monthly 36 month certificate $500 $500 0.65% 0.65% Quarterly 36 month certificate $5000 $5000 0.65% 0.65% Monthly 36 month certificate $50000 $50000 0.65% 0.65% Monthly 36 month certificate $100000 $100000 0.65% 0.65% Monthly 48 month certificate $500 $500 0.75% 0.75% Quarterly 48 month certificate $5000 $5000 0.75% 0.75% Monthly 48 month certificate $50000 $50000 0.75% 0.75% Monthly 48 month certificate $100000 $100000 0.75% 0.75% Monthly 60 month certificate $500 $500 0.80% 0.80% Quarterly 60 month certificate $5000 $5000 0.80% 0.80% Monthly 60 month certificate $50000 $50000 0.80% 0.80% Monthly 60 month certificate $100000 $100000 0.80% 0.80% Monthly Business Savings Certificate Rates Footnotes * A penalty may be imposed for early withdrawals. Fees may reduce earnings on your account. For more information, contact us. ** For savings certificates of $25,000 or more and maturities 12 months or less, you may elect one of two options at account opening/renewal: 1) earn the rate in effect for the applicable minimum balance/term and make additional deposits only at maturity; or 2) earn the rate in effect for a $5,000 minimum balance certificate for the applicable term in order to make additional deposits to the certificate any time during the term. *** For savings certificates of $25,000 or more and maturities 12 months or less, you may elect one of two options at account opening/renewal: 1) earn the rate in effect for the applicable minimum balance/term and make additional deposits only at maturity; or 2) earn the rate in effect for a $5,000 minimum balance certificate for the applicable term in order to make additional deposits to the certificate any time during the term.