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.? Car Loan Rates Car or Light Truck Loan Product Term APR* (as low as) Car or Light Truck Loan up to 48 months 4.99% Car or Light Truck Loan up to 66 months 5.19% Car or Light Truck Loan up to 72 months 5.59% Car or Light Truck Loan up to 78 months 5.84% Car or Light Truck Loan up to 84 months 6.59% 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 1.00% discount for a loan-to-value (LTV) that is 115% or less, 0.5% discount for a loan-to-value (LTV) that is between 115.1-125%, 1.5% discount for a loan amount of $35,000 or more, 1.0% discount for a loan amount between $20,000-34,999, and .25% for a loan amount between $10,000 - $19,999. Regardless of available discounts, 4.99% 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 our Preferred Dealer Network. Payment example based on a $35,000.00 loan: $805.87 at a 4.99% APR with 48 month term; $610.72 at a 5.19% APR with 66 month term; $573.30 at a 5.59% APR with 72 month term; $540.34 at a 5.84% APR with 78 month term; and $521.26 at an 6.59% APR with 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors. Read More Home Equity Loan & Line Rates Product APR* (as low as) Home Equity Line of Credit** 7.50% Home Equity Loan 7.50% 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 7.50%. Maximum APR is 18%. Read More Personal Loan & Line Rates Product APR* (as low as) Personal Line of Credit** 9.25% Personal Loan*** 7.74% Deposit Secured Personal Loan**** 7.50% 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 9.25%. *** Rate effective as of 07/23/2025. 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, and a 3.0% discount for personal loans. Must be a new personal loan not a refinance of a VACU loan to receive the discounted rate. Repay a personal loan in a minimum of 3 months to a maximum of 60 months. Rates range between 7.74% to a maximum APR rate of 18.00%. Ask us about other APR and longer term options. Regardless of available discounts, 7.74% is the minimum APR offered which includes maximum discounts. No application fee. Payment example: Based on a $10,000 loan with a monthly payment of $240.58 at 7.74% APR with a 48 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. For loan amounts between $100 and $2,000, you will be directed to the Express Personal Loan with an APR of 28.00%, subject to credit approval. Repay an Express Personal Loan in a minimum of 1 month to a maximum of 12 months. No more than one VACU Express Personal Loan is allowed to be open at a time, and Express Personal Loans cannot be refinanced to other VACU loans. No application fee. Payment example: Based on a $1,500 loan with a monthly payment of $144.76 at 28.00% APR with a 12 month term. This example is an estimate only and assumes all payments are made on time. **** APR varies and may be adjusted monthly based on the Prime Rate published in the Wall Street Journal. Minimum APR is 7.50%. Read More Credit Card Rates Product Annual Fee APR* (as low as) Essential Mastercard® No Annual Fee 13.24% Cash Rewards Mastercard® No Annual Fee 15.24% Flex Rewards Mastercard® No Annual Fee 17.24% 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. Read More Motorcycle Loan Rates Motorcycle Loan Rates Product Term APR* (as low as) Motorcycle Loan Rates up to 48 months 7.99% Motorcycle Loan Rates up to 66 months 8.49% Motorcycle Loan Rates up to 72 months 8.74% Motorcycle Loan Rates up to 78 months 8.99% Motorcycle Loan Rates up to 84 months 10.24% 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 1.00% discount for a loan-to-value (LTV) of less than 115% or less, 0.5% discount for a loan-to-value (LTV) that is between 115.1-125%, 1.5% discount for a loan amount of $35,000 or more, 1.0% discount for a loan amount between $20,000-34,999, and .25% for a loan amount between $10,000 - $19,999. Regardless of available discounts, 7.99% 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 $35,000.00 loan: $854.29 at a 7.99% APR with 48 month term; $665.56 at a 8.49% APR with 66 month term; $626.39 at a 8.74% APR with 72 month term; $594.15 at a 8.99% APR with 78 month term; and $585.39 at an 10.24% APR with 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors. Read More Recreational Vehicle Loan Rates Recreational Vehicle Loan Rates Product Term APR* (as low as) Recreational Vehicle Loan Rates up to 48 months 7.49% Recreational Vehicle Loan Rates up to 66 months 7.99% Recreational Vehicle Loan Rates up to 72 months 8.24% Recreational Vehicle Loan Rates up to 78 months 8.49% Recreational Vehicle Loan Rates up to 84 months 9.74% 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 1.00% discount for a loan-to-value (LTV) of less than 115% or less, 0.5% discount for a loan-to-value (LTV) that is between 115.1-125%, 1.5% discount for a loan amount of $35,000 or more, 1.0% discount for a loan amount between $20,000-34,999, and .25% for a loan amount between $10,000 - $19,999. Regardless of available discounts, 7.49% 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 $35,000.00 loan: $846.10 at a 7.49% APR with 48 month term; $657.07 at a 7.99% APR with 66 month term; $617.77 at a 8.24% APR with 72 month term; $585.41 at a 8.49% APR with 78 month term; and $576.35 at an 9.74% APR with 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors. Read More Watercraft Loan Rates Watercraft Loan Rates Product Term APR* (as low as) Watercraft Loan Rates up to 48 months 6.99% Watercraft Loan Rates up to 66 months 7.49% Watercraft Loan Rates up to 72 months 7.74% Watercraft Loan Rates up to 78 months 7.99% Watercraft Loan Rates up to 84 months 9.24% 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 1.00% discount for a loan-to-value (LTV) of less than 115% or less, 0.5% discount for a loan-to-value (LTV) that is between 115.1-125%, 1.5% discount for a loan amount of $35,000 or more, 1.0% discount for a loan amount between $20,000-34,999, and .25% for a loan amount between $10,000 - $19,999. Regardless of available discounts, 6.99% 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 $35,000.00 loan: $837.96 at a 6.99% APR with 48 month term; $648.64 at a 7.49% APR with 66 month term; $609.23 at a 7.74% APR with 72 month term; $576.74 at a 7.99% APR with 78 month term; and $567.39 at an 9.24% APR with 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors. Read More Home Purchase Rates Virginia Credit Union offers some of the best mortgage rates around and a variety of mortgage programs to meet your needs.? Conventional Fixed Rate Product Term Rate APR Points* 30 Year Fixed Rate 360 6.500% payment example 6.657% 0.993 360 6.750% payment example 6.832% 0.197 20 Year Fixed Rate 240 6.125% payment example 6.284% 0.657 240 6.500% payment example 6.567% -0.099 15 Year Fixed Rate 180 5.750% payment example 5.941% 0.543 180 6.125% payment example 6.175% -0.379 10 Year Fixed Rate 120 5.625% payment example 5.877% 0.465 120 5.875% payment example 5.993% -0.152 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. Read More Adjustable Rate Mortgage Product Term Rate APR Points* 10-Year ARM 360 6.500% payment example 6.798% -0.125 360 6.750% payment example 6.915% -0.875 7-Year ARM 360 6.375% payment example 6.913% 0.625 360 6.625% payment example 6.971% -0.125 5-Year ARM 360 6.125% payment example 6.905% 0.500 360 6.375% payment example 6.945% -0.125 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. Read More FHA Fixed Rate Mortgage 30 Year Fixed Rate Mortgage Product Term Rate APR Points* 30 Year Fixed Rate Mortgage 360 6.375% payment example 6.504% 0.654 360 6.500% payment example 6.580% 0.134 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. Read More Jumbo Jumbo - Fixed Rate Mortgage Product Term Rate APR Points 15yr Jumbo Fixed Rate Conventional 180 6.375% payment example 6.620% 1.125 180 6.750% payment example 6.818% 0.000 30yr Jumbo Fixed Rate Mortgage 360 6.500% payment example 6.625% 0.875 360 6.750% payment example 6.767% -0.250 Footnotes Jumbo - Fixed Rate Mortgage Read More Jumbo - Adjustable Rate Mortgage Product Term Rate APR Points 5-Year Jumbo ARM 360 5.625% payment example 7.106% 1.875 360 6.000% payment example 7.127% 0.500 7-Year Jumbo ARM 360 5.875% payment example 6.978% 1.750 360 6.125% payment example 7.010% 0.750 10-Year Jumbo ARM 360 6.125% payment example 6.863% 1.625 360 6.375% payment example 6.907% 0.375 Footnotes Jumbo - Adjustable Rate Mortgage Read More VHDA VHDA Product Term Rate APR Points* 30 Year FHA Fixed Rate 360 6.750% payment example 6.797% -0.250 360 7.000% payment example 7.000% -0.875 FHA Plus 30 Year Fixed Rate Second Mortgage 360 6.750% payment example 6.859% 0.375 360 7.000% payment example 7.048% -0.250 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. Read More USDA-Rural Development USDA-Rural Development 30 Year USDA-Rural Development Fixed Rate Product Term Rate APR Points* 30 Year USDA-Rural Development Fixed Rate 360 6.125% payment example 6.303% 1.143 360 6.375% payment example 6.425% -0.211 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. Read More VA VA 30 Year Fixed Rate Product Term Rate APR Points* 30 Year Fixed Rate 360 6.250% payment example 6.411% 1.203 360 6.500% payment example 6.562% 0.155 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. Read More Home Refinancing Rates Refinance for a low-rate mortgage and put more money toward the things that matter most to you.? No Closing Cost Refinance No Closing Cost Refinance Fixed Rate Product Term Rate APR Points* 30 Year No Closing Cost Refinance Fixed Rate 360 7.500% payment example 7.568% 0.357 360 7.875% payment example 7.875% -0.546 15 Year No Closing Cost Refinance Fixed Rate 180 6.625% payment example 6.812% 0.892 180 7.125% payment example 7.179% 0.042 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. Read More Conventional Conventional Product Term Rate APR Points* 30 Year Fixed Rate 360 6.500% payment example 6.707% 1.493 360 6.750% payment example 6.881% 0.697 20 Year Fixed Rate 240 6.250% payment example 6.502% 1.367 240 6.500% payment example 6.631% 0.401 15 Year Fixed Rate 180 5.750% payment example 6.021% 1.043 180 6.125% payment example 6.254% 0.121 10 Year Fixed Rate 120 5.625% payment example 5.989% 0.965 120 6.000% payment example 6.169% 0.068 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. Read More Adjustable Rate Mortgage Product Term Rate APR Points* 10-Year ARM 360 6.250% payment example 6.814% 1.750 360 6.500% payment example 6.895% 0.875 7-Year ARM 360 6.125% payment example 6.880% 1.625 360 6.375% payment example 6.938% 0.875 5-Year ARM 360 5.875% payment example 6.950% 2.000 360 6.125% payment example 6.966% 1.125 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. Read More Jumbo Jumbo - Fixed Rate Mortgage Product Term Rate APR Points 15yr Jumbo Fixed Rate Conventional 180 6.375% payment example 6.762% 2.000 180 6.750% payment example 6.959% 0.875 30yr Jumbo Fixed Rate Mortgage 360 6.500% payment example 6.712% 1.750 360 6.750% payment example 6.853% 0.625 Footnotes Jumbo - Fixed Rate Mortgage Read More Jumbo - Adjustable Rate Mortgage Product Term Rate APR Points 5-Year Jumbo ARM 360 5.625% payment example 7.131% 2.125 360 6.000% payment example 7.151% 0.750 7-Year Jumbo ARM 360 5.875% payment example 7.002% 2.000 360 6.125% payment example 7.034% 1.000 10-Year Jumbo ARM 360 6.125% payment example 6.887% 1.875 360 6.375% payment example 6.931% 0.625 Footnotes Jumbo - Adjustable Rate Mortgage Read More 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.? 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 0.25% 0.25% Monthly Enhanced Benefit Checking $20 $1 0.05% 0.05% Monthly Enhanced Benefit Checking $20 $5000 0.25% 0.25% Monthly Extra Credit Checking (ages 13-22)** $20 $1 0.05% 0.05% Monthly Extra Credit Checking (ages 13-22) $20 $5000 0.25% 0.25% 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. Read More Regular Savings Rates Regular Savings 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 0.40% 0.40% 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. Read More 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 1.54% 1.55% Monthly Premium Plus Money Market $25000 $100 0.05% 0.05% Monthly Premium Plus Money Market $25000 $25000 2.03% 2.05% Monthly Premium Plus Money Market $25000 $50000 2.28% 2.30% Monthly Premium Plus Money Market $25000 $100000 2.52% 2.55% Monthly Premium Plus Money Market $25000 $250000 2.86% 2.90% 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. Read More Savings Certificate Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Compounding Frequency 6 month certificate** $500 $500 2.38% 2.40% Quarterly 6 month certificate $5000 $5000 2.38% 2.41% Monthly 6 month certificate $50000 $50000 2.58% 2.61% Monthly 6 month certificate $100000 $100000 2.78% 2.81% Monthly 12 month certificate*** $500 $500 3.80% 3.85% Quarterly 12 month certificate $5000 $5000 3.80% 3.86% Monthly 12 month certificate $50000 $50000 4.00% 4.07% Monthly 12 month certificate $100000 $100000 4.20% 4.28% Monthly 24 Month Certificate $500 $500 3.50% 3.55% Quarterly 24 Month Certificate $5000 $5000 3.50% 3.56% Monthly 24 Month Certificate $50000 $50000 3.70% 3.77% Monthly 24 Month Certificate $100000 $100000 3.90% 3.97% Monthly 36 month certificate $500 $500 3.60% 3.65% Quarterly 36 month certificate $5000 $5000 3.60% 3.66% Monthly 36 month certificate $50000 $50000 3.80% 3.87% Monthly 36 month certificate $100000 $100000 4.00% 4.08% Monthly 48 month certificate $500 $500 3.60% 3.65% Quarterly 48 month certificate $5000 $5000 3.60% 3.66% Monthly 48 month certificate $50000 $50000 3.80% 3.87% Monthly 48 month certificate $100000 $100000 4.00% 4.08% Monthly 60 month certificate $500 $500 3.70% 3.75% Quarterly 60 month certificate $5000 $5000 3.70% 3.76% Monthly 60 month certificate $50000 $50000 3.90% 3.97% Monthly 60 month certificate $100000 $100000 4.10% 4.18% 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. Read More Individual Retirement Account Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Compounding Frequency 12 month IRA $100 $100 3.80% 3.85% Quarterly 12 month IRA $5000 $5000 3.80% 3.86% Monthly 12 month IRA $50000 $50000 4.00% 4.07% Monthly 12 month IRA $100000 $100000 4.20% 4.28% Monthly 18 month variable IRA $500 $500 2.97% 3.00% Quarterly 18 month variable IRA $5000 $5000 2.97% 3.01% Monthly 18 month variable IRA $50000 $50000 3.17% 3.21% Monthly 18 month variable IRA $100000 $100000 3.37% 3.42% Monthly 24 month IRA $100 $100 3.50% 3.55% Quarterly 24 month IRA $5000 $5000 3.50% 3.56% Monthly 24 month IRA $50000 $50000 3.70% 3.77% Monthly 24 month IRA $100000 $100000 3.90% 3.97% Monthly 36 month IRA $100 $100 3.60% 3.65% Quarterly 36 month IRA $5000 $5000 3.60% 3.66% Monthly 36 month IRA $50000 $50000 3.80% 3.87% Monthly 36 month IRA $100000 $100000 4.00% 4.08% Monthly 48 month IRA $100 $100 3.60% 3.65% Quarterly 48 month IRA $5000 $5000 3.60% 3.66% Monthly 48 month IRA $50000 $50000 3.80% 3.87% Monthly 48 month IRA $100000 $100000 4.00% 4.08% Monthly 60 month IRA $100 $100 3.70% 3.75% Quarterly 60 month IRA $5000 $5000 3.70% 3.76% Monthly 60 month IRA $50000 $50000 3.90% 3.97% Monthly 60 month IRA $100000 $100000 4.10% 4.18% 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. Read More Health Savings Account Rates Health Savings Account Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Compounding Frequency Health Savings Account $5 $100 1.54% 1.55% 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. Read More Business Deposit Rates Whether your organization is a startup, in growth mode, or established, our flexible deposit options can help your business thrive.? 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 0.99% 1.00% Monthly Business Plus Money Market Checking $100 $100 0.05% 0.05% Monthly Business Plus Money Market Checking $100 $25000 1.34% 1.35% Monthly Business Plus Money Market Checking $100 $50000 1.49% 1.50% Monthly Business Plus Money Market Checking $100 $100000 1.64% 1.65% Monthly Business Plus Money Market Checking $100 $250000 1.78% 1.80% 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. Read More Business Savings Certificate Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Compounding Frequency 6 month certificate** $500 $500 2.38% 2.40% Quarterly 6 month certificate $5000 $5000 2.38% 2.41% Monthly 6 month certificate $50000 $50000 2.58% 2.61% Monthly 6 month certificate $100000 $100000 2.78% 2.81% Monthly 12 month certificate*** $500 $500 3.80% 3.85% Quarterly 12 month certificate $5000 $5000 3.80% 3.86% Monthly 12 month certificate $50000 $50000 4.00% 4.07% Monthly 12 month certificate $100000 $100000 4.20% 4.28% Monthly 24 month certificate $500 $500 3.50% 3.55% Quarterly 24 month certificate $5000 $5000 3.50% 3.56% Monthly 24 month certificate $50000 $50000 3.70% 3.77% Monthly 24 month certificate $100000 $100000 3.90% 3.97% Monthly 36 month certificate $500 $500 3.60% 3.65% Quarterly 36 month certificate $5000 $5000 3.60% 3.66% Monthly 36 month certificate $50000 $50000 3.80% 3.87% Monthly 36 month certificate $100000 $100000 4.00% 4.08% Monthly 48 month certificate $500 $500 3.60% 3.65% Quarterly 48 month certificate $5000 $5000 3.60% 3.66% Monthly 48 month certificate $50000 $50000 3.80% 3.87% Monthly 48 month certificate $100000 $100000 4.00% 4.08% Monthly 60 month certificate $500 $500 3.70% 3.75% Quarterly 60 month certificate $5000 $5000 3.70% 3.76% Monthly 60 month certificate $50000 $50000 3.90% 3.97% Monthly 60 month certificate $100000 $100000 4.10% 4.18% 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. Read More
Car Loan Rates Car or Light Truck Loan Product Term APR* (as low as) Car or Light Truck Loan up to 48 months 4.99% Car or Light Truck Loan up to 66 months 5.19% Car or Light Truck Loan up to 72 months 5.59% Car or Light Truck Loan up to 78 months 5.84% Car or Light Truck Loan up to 84 months 6.59% 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 1.00% discount for a loan-to-value (LTV) that is 115% or less, 0.5% discount for a loan-to-value (LTV) that is between 115.1-125%, 1.5% discount for a loan amount of $35,000 or more, 1.0% discount for a loan amount between $20,000-34,999, and .25% for a loan amount between $10,000 - $19,999. Regardless of available discounts, 4.99% 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 our Preferred Dealer Network. Payment example based on a $35,000.00 loan: $805.87 at a 4.99% APR with 48 month term; $610.72 at a 5.19% APR with 66 month term; $573.30 at a 5.59% APR with 72 month term; $540.34 at a 5.84% APR with 78 month term; and $521.26 at an 6.59% APR with 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors. Read More
Home Equity Loan & Line Rates Product APR* (as low as) Home Equity Line of Credit** 7.50% Home Equity Loan 7.50% 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 7.50%. Maximum APR is 18%. Read More
Personal Loan & Line Rates Product APR* (as low as) Personal Line of Credit** 9.25% Personal Loan*** 7.74% Deposit Secured Personal Loan**** 7.50% 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 9.25%. *** Rate effective as of 07/23/2025. 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, and a 3.0% discount for personal loans. Must be a new personal loan not a refinance of a VACU loan to receive the discounted rate. Repay a personal loan in a minimum of 3 months to a maximum of 60 months. Rates range between 7.74% to a maximum APR rate of 18.00%. Ask us about other APR and longer term options. Regardless of available discounts, 7.74% is the minimum APR offered which includes maximum discounts. No application fee. Payment example: Based on a $10,000 loan with a monthly payment of $240.58 at 7.74% APR with a 48 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. For loan amounts between $100 and $2,000, you will be directed to the Express Personal Loan with an APR of 28.00%, subject to credit approval. Repay an Express Personal Loan in a minimum of 1 month to a maximum of 12 months. No more than one VACU Express Personal Loan is allowed to be open at a time, and Express Personal Loans cannot be refinanced to other VACU loans. No application fee. Payment example: Based on a $1,500 loan with a monthly payment of $144.76 at 28.00% APR with a 12 month term. This example is an estimate only and assumes all payments are made on time. **** APR varies and may be adjusted monthly based on the Prime Rate published in the Wall Street Journal. Minimum APR is 7.50%. Read More
Credit Card Rates Product Annual Fee APR* (as low as) Essential Mastercard® No Annual Fee 13.24% Cash Rewards Mastercard® No Annual Fee 15.24% Flex Rewards Mastercard® No Annual Fee 17.24% 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. Read More
Motorcycle Loan Rates Motorcycle Loan Rates Product Term APR* (as low as) Motorcycle Loan Rates up to 48 months 7.99% Motorcycle Loan Rates up to 66 months 8.49% Motorcycle Loan Rates up to 72 months 8.74% Motorcycle Loan Rates up to 78 months 8.99% Motorcycle Loan Rates up to 84 months 10.24% 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 1.00% discount for a loan-to-value (LTV) of less than 115% or less, 0.5% discount for a loan-to-value (LTV) that is between 115.1-125%, 1.5% discount for a loan amount of $35,000 or more, 1.0% discount for a loan amount between $20,000-34,999, and .25% for a loan amount between $10,000 - $19,999. Regardless of available discounts, 7.99% 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 $35,000.00 loan: $854.29 at a 7.99% APR with 48 month term; $665.56 at a 8.49% APR with 66 month term; $626.39 at a 8.74% APR with 72 month term; $594.15 at a 8.99% APR with 78 month term; and $585.39 at an 10.24% APR with 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors. Read More
Recreational Vehicle Loan Rates Recreational Vehicle Loan Rates Product Term APR* (as low as) Recreational Vehicle Loan Rates up to 48 months 7.49% Recreational Vehicle Loan Rates up to 66 months 7.99% Recreational Vehicle Loan Rates up to 72 months 8.24% Recreational Vehicle Loan Rates up to 78 months 8.49% Recreational Vehicle Loan Rates up to 84 months 9.74% 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 1.00% discount for a loan-to-value (LTV) of less than 115% or less, 0.5% discount for a loan-to-value (LTV) that is between 115.1-125%, 1.5% discount for a loan amount of $35,000 or more, 1.0% discount for a loan amount between $20,000-34,999, and .25% for a loan amount between $10,000 - $19,999. Regardless of available discounts, 7.49% 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 $35,000.00 loan: $846.10 at a 7.49% APR with 48 month term; $657.07 at a 7.99% APR with 66 month term; $617.77 at a 8.24% APR with 72 month term; $585.41 at a 8.49% APR with 78 month term; and $576.35 at an 9.74% APR with 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors. Read More
Watercraft Loan Rates Watercraft Loan Rates Product Term APR* (as low as) Watercraft Loan Rates up to 48 months 6.99% Watercraft Loan Rates up to 66 months 7.49% Watercraft Loan Rates up to 72 months 7.74% Watercraft Loan Rates up to 78 months 7.99% Watercraft Loan Rates up to 84 months 9.24% 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 1.00% discount for a loan-to-value (LTV) of less than 115% or less, 0.5% discount for a loan-to-value (LTV) that is between 115.1-125%, 1.5% discount for a loan amount of $35,000 or more, 1.0% discount for a loan amount between $20,000-34,999, and .25% for a loan amount between $10,000 - $19,999. Regardless of available discounts, 6.99% 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 $35,000.00 loan: $837.96 at a 6.99% APR with 48 month term; $648.64 at a 7.49% APR with 66 month term; $609.23 at a 7.74% APR with 72 month term; $576.74 at a 7.99% APR with 78 month term; and $567.39 at an 9.24% APR with 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors. Read More
Fixed Rate Product Term Rate APR Points* 30 Year Fixed Rate 360 6.500% payment example 6.657% 0.993 360 6.750% payment example 6.832% 0.197 20 Year Fixed Rate 240 6.125% payment example 6.284% 0.657 240 6.500% payment example 6.567% -0.099 15 Year Fixed Rate 180 5.750% payment example 5.941% 0.543 180 6.125% payment example 6.175% -0.379 10 Year Fixed Rate 120 5.625% payment example 5.877% 0.465 120 5.875% payment example 5.993% -0.152 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. Read More
Adjustable Rate Mortgage Product Term Rate APR Points* 10-Year ARM 360 6.500% payment example 6.798% -0.125 360 6.750% payment example 6.915% -0.875 7-Year ARM 360 6.375% payment example 6.913% 0.625 360 6.625% payment example 6.971% -0.125 5-Year ARM 360 6.125% payment example 6.905% 0.500 360 6.375% payment example 6.945% -0.125 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. Read More
Fixed Rate Mortgage 30 Year Fixed Rate Mortgage Product Term Rate APR Points* 30 Year Fixed Rate Mortgage 360 6.375% payment example 6.504% 0.654 360 6.500% payment example 6.580% 0.134 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. Read More
Jumbo - Fixed Rate Mortgage Product Term Rate APR Points 15yr Jumbo Fixed Rate Conventional 180 6.375% payment example 6.620% 1.125 180 6.750% payment example 6.818% 0.000 30yr Jumbo Fixed Rate Mortgage 360 6.500% payment example 6.625% 0.875 360 6.750% payment example 6.767% -0.250 Footnotes Jumbo - Fixed Rate Mortgage Read More
Jumbo - Adjustable Rate Mortgage Product Term Rate APR Points 5-Year Jumbo ARM 360 5.625% payment example 7.106% 1.875 360 6.000% payment example 7.127% 0.500 7-Year Jumbo ARM 360 5.875% payment example 6.978% 1.750 360 6.125% payment example 7.010% 0.750 10-Year Jumbo ARM 360 6.125% payment example 6.863% 1.625 360 6.375% payment example 6.907% 0.375 Footnotes Jumbo - Adjustable Rate Mortgage Read More
VHDA Product Term Rate APR Points* 30 Year FHA Fixed Rate 360 6.750% payment example 6.797% -0.250 360 7.000% payment example 7.000% -0.875 FHA Plus 30 Year Fixed Rate Second Mortgage 360 6.750% payment example 6.859% 0.375 360 7.000% payment example 7.048% -0.250 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. Read More
USDA-Rural Development 30 Year USDA-Rural Development Fixed Rate Product Term Rate APR Points* 30 Year USDA-Rural Development Fixed Rate 360 6.125% payment example 6.303% 1.143 360 6.375% payment example 6.425% -0.211 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. Read More
VA 30 Year Fixed Rate Product Term Rate APR Points* 30 Year Fixed Rate 360 6.250% payment example 6.411% 1.203 360 6.500% payment example 6.562% 0.155 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. Read More
No Closing Cost Refinance Fixed Rate Product Term Rate APR Points* 30 Year No Closing Cost Refinance Fixed Rate 360 7.500% payment example 7.568% 0.357 360 7.875% payment example 7.875% -0.546 15 Year No Closing Cost Refinance Fixed Rate 180 6.625% payment example 6.812% 0.892 180 7.125% payment example 7.179% 0.042 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. Read More
Conventional Product Term Rate APR Points* 30 Year Fixed Rate 360 6.500% payment example 6.707% 1.493 360 6.750% payment example 6.881% 0.697 20 Year Fixed Rate 240 6.250% payment example 6.502% 1.367 240 6.500% payment example 6.631% 0.401 15 Year Fixed Rate 180 5.750% payment example 6.021% 1.043 180 6.125% payment example 6.254% 0.121 10 Year Fixed Rate 120 5.625% payment example 5.989% 0.965 120 6.000% payment example 6.169% 0.068 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. Read More
Adjustable Rate Mortgage Product Term Rate APR Points* 10-Year ARM 360 6.250% payment example 6.814% 1.750 360 6.500% payment example 6.895% 0.875 7-Year ARM 360 6.125% payment example 6.880% 1.625 360 6.375% payment example 6.938% 0.875 5-Year ARM 360 5.875% payment example 6.950% 2.000 360 6.125% payment example 6.966% 1.125 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. Read More
Jumbo - Fixed Rate Mortgage Product Term Rate APR Points 15yr Jumbo Fixed Rate Conventional 180 6.375% payment example 6.762% 2.000 180 6.750% payment example 6.959% 0.875 30yr Jumbo Fixed Rate Mortgage 360 6.500% payment example 6.712% 1.750 360 6.750% payment example 6.853% 0.625 Footnotes Jumbo - Fixed Rate Mortgage Read More
Jumbo - Adjustable Rate Mortgage Product Term Rate APR Points 5-Year Jumbo ARM 360 5.625% payment example 7.131% 2.125 360 6.000% payment example 7.151% 0.750 7-Year Jumbo ARM 360 5.875% payment example 7.002% 2.000 360 6.125% payment example 7.034% 1.000 10-Year Jumbo ARM 360 6.125% payment example 6.887% 1.875 360 6.375% payment example 6.931% 0.625 Footnotes Jumbo - Adjustable Rate Mortgage Read More
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 0.25% 0.25% Monthly Enhanced Benefit Checking $20 $1 0.05% 0.05% Monthly Enhanced Benefit Checking $20 $5000 0.25% 0.25% Monthly Extra Credit Checking (ages 13-22)** $20 $1 0.05% 0.05% Monthly Extra Credit Checking (ages 13-22) $20 $5000 0.25% 0.25% 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. Read More
Regular Savings Rates Regular Savings 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 0.40% 0.40% 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. Read More
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 1.54% 1.55% Monthly Premium Plus Money Market $25000 $100 0.05% 0.05% Monthly Premium Plus Money Market $25000 $25000 2.03% 2.05% Monthly Premium Plus Money Market $25000 $50000 2.28% 2.30% Monthly Premium Plus Money Market $25000 $100000 2.52% 2.55% Monthly Premium Plus Money Market $25000 $250000 2.86% 2.90% 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. Read More
Savings Certificate Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Compounding Frequency 6 month certificate** $500 $500 2.38% 2.40% Quarterly 6 month certificate $5000 $5000 2.38% 2.41% Monthly 6 month certificate $50000 $50000 2.58% 2.61% Monthly 6 month certificate $100000 $100000 2.78% 2.81% Monthly 12 month certificate*** $500 $500 3.80% 3.85% Quarterly 12 month certificate $5000 $5000 3.80% 3.86% Monthly 12 month certificate $50000 $50000 4.00% 4.07% Monthly 12 month certificate $100000 $100000 4.20% 4.28% Monthly 24 Month Certificate $500 $500 3.50% 3.55% Quarterly 24 Month Certificate $5000 $5000 3.50% 3.56% Monthly 24 Month Certificate $50000 $50000 3.70% 3.77% Monthly 24 Month Certificate $100000 $100000 3.90% 3.97% Monthly 36 month certificate $500 $500 3.60% 3.65% Quarterly 36 month certificate $5000 $5000 3.60% 3.66% Monthly 36 month certificate $50000 $50000 3.80% 3.87% Monthly 36 month certificate $100000 $100000 4.00% 4.08% Monthly 48 month certificate $500 $500 3.60% 3.65% Quarterly 48 month certificate $5000 $5000 3.60% 3.66% Monthly 48 month certificate $50000 $50000 3.80% 3.87% Monthly 48 month certificate $100000 $100000 4.00% 4.08% Monthly 60 month certificate $500 $500 3.70% 3.75% Quarterly 60 month certificate $5000 $5000 3.70% 3.76% Monthly 60 month certificate $50000 $50000 3.90% 3.97% Monthly 60 month certificate $100000 $100000 4.10% 4.18% 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. Read More
Individual Retirement Account Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Compounding Frequency 12 month IRA $100 $100 3.80% 3.85% Quarterly 12 month IRA $5000 $5000 3.80% 3.86% Monthly 12 month IRA $50000 $50000 4.00% 4.07% Monthly 12 month IRA $100000 $100000 4.20% 4.28% Monthly 18 month variable IRA $500 $500 2.97% 3.00% Quarterly 18 month variable IRA $5000 $5000 2.97% 3.01% Monthly 18 month variable IRA $50000 $50000 3.17% 3.21% Monthly 18 month variable IRA $100000 $100000 3.37% 3.42% Monthly 24 month IRA $100 $100 3.50% 3.55% Quarterly 24 month IRA $5000 $5000 3.50% 3.56% Monthly 24 month IRA $50000 $50000 3.70% 3.77% Monthly 24 month IRA $100000 $100000 3.90% 3.97% Monthly 36 month IRA $100 $100 3.60% 3.65% Quarterly 36 month IRA $5000 $5000 3.60% 3.66% Monthly 36 month IRA $50000 $50000 3.80% 3.87% Monthly 36 month IRA $100000 $100000 4.00% 4.08% Monthly 48 month IRA $100 $100 3.60% 3.65% Quarterly 48 month IRA $5000 $5000 3.60% 3.66% Monthly 48 month IRA $50000 $50000 3.80% 3.87% Monthly 48 month IRA $100000 $100000 4.00% 4.08% Monthly 60 month IRA $100 $100 3.70% 3.75% Quarterly 60 month IRA $5000 $5000 3.70% 3.76% Monthly 60 month IRA $50000 $50000 3.90% 3.97% Monthly 60 month IRA $100000 $100000 4.10% 4.18% 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. Read More
Health Savings Account Rates Health Savings Account Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Compounding Frequency Health Savings Account $5 $100 1.54% 1.55% 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. Read More
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 0.99% 1.00% Monthly Business Plus Money Market Checking $100 $100 0.05% 0.05% Monthly Business Plus Money Market Checking $100 $25000 1.34% 1.35% Monthly Business Plus Money Market Checking $100 $50000 1.49% 1.50% Monthly Business Plus Money Market Checking $100 $100000 1.64% 1.65% Monthly Business Plus Money Market Checking $100 $250000 1.78% 1.80% 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. Read More
Business Savings Certificate Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Compounding Frequency 6 month certificate** $500 $500 2.38% 2.40% Quarterly 6 month certificate $5000 $5000 2.38% 2.41% Monthly 6 month certificate $50000 $50000 2.58% 2.61% Monthly 6 month certificate $100000 $100000 2.78% 2.81% Monthly 12 month certificate*** $500 $500 3.80% 3.85% Quarterly 12 month certificate $5000 $5000 3.80% 3.86% Monthly 12 month certificate $50000 $50000 4.00% 4.07% Monthly 12 month certificate $100000 $100000 4.20% 4.28% Monthly 24 month certificate $500 $500 3.50% 3.55% Quarterly 24 month certificate $5000 $5000 3.50% 3.56% Monthly 24 month certificate $50000 $50000 3.70% 3.77% Monthly 24 month certificate $100000 $100000 3.90% 3.97% Monthly 36 month certificate $500 $500 3.60% 3.65% Quarterly 36 month certificate $5000 $5000 3.60% 3.66% Monthly 36 month certificate $50000 $50000 3.80% 3.87% Monthly 36 month certificate $100000 $100000 4.00% 4.08% Monthly 48 month certificate $500 $500 3.60% 3.65% Quarterly 48 month certificate $5000 $5000 3.60% 3.66% Monthly 48 month certificate $50000 $50000 3.80% 3.87% Monthly 48 month certificate $100000 $100000 4.00% 4.08% Monthly 60 month certificate $500 $500 3.70% 3.75% Quarterly 60 month certificate $5000 $5000 3.70% 3.76% Monthly 60 month certificate $50000 $50000 3.90% 3.97% Monthly 60 month certificate $100000 $100000 4.10% 4.18% 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. Read More