Loan RatesSay 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.11 The loan product and rate information seen here is current as of 5/31/2023. 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 RatesCar or Light Truck LoanProductTermAPR*(as low as)Car or Light Truck Loanup to 48 months4.99%Car or Light Truck Loanup to 66 months5.19%Car or Light Truck Loanup to 72 months5.59%Car or Light Truck Loanup to 78 months5.84%Car or Light Truck Loanup to 84 months6.59%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 Credit Union Direct Lending (CUDL).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.Home Equity Loan & Line RatesProductAPR*(as low as)Home Equity Line of Credit**8.00%Home Equity Loan6.75%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 8.00%. Maximum APR is 18.00%.Personal Loan & Line RatesProductAPR*(as low as)Personal Line of Credit**9.50%Personal Loan***6.99%Deposit Secured Personal Loan****8.00%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 9.50%. ***Rate effective as of 5/31/2023. 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 6.99% to a maximum APR rate of 32.49%. Ask us about other APR and longer term options. Regardless of available discounts, 6.99% 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 $239.46 at 6.99% 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. ****APR varies and may be adjusted monthly based on the Prime Rate published in the Wall Street Journal. Minimum APR is 8.00%.Credit Card RatesProductAnnual FeeAPR*(as low as)Essential Mastercard®No Annual Fee13.49%Cash Rewards Mastercard®No Annual Fee15.49%Flex Rewards Mastercard®No Annual Fee17.49%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 RatesMotorcycle Loan RatesProductTermAPR*(as low as)Motorcycle Loan Ratesup to 48 months7.99%Motorcycle Loan Ratesup to 66 months8.49%Motorcycle Loan Ratesup to 72 months8.74%Motorcycle Loan Ratesup to 78 months8.99%Motorcycle Loan Ratesup to 84 months10.24%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.Recreational Vehicle Loan RatesRecreational Vehicle Loan RatesProductTermAPR*(as low as)Recreational Vehicle Loan Ratesup to 48 months7.49%Recreational Vehicle Loan Ratesup to 66 months7.99%Recreational Vehicle Loan Ratesup to 72 months8.24%Recreational Vehicle Loan Ratesup to 78 months8.49%Recreational Vehicle Loan Ratesup to 84 months9.74%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.Watercraft Loan RatesWatercraft Loan RatesProductTermAPR*(as low as)Watercraft Loan Ratesup to 48 months6.99%Watercraft Loan Ratesup to 66 months7.49%Watercraft Loan Ratesup to 72 months7.74%Watercraft Loan Ratesup to 78 months7.99%Watercraft Loan Ratesup to 84 months9.24%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.Home Purchase RatesVirginia Credit Union offers some of the best mortgage rates around and a variety of mortgage programs to meet your needs.22 The loan product and rate examples seen here are current as of 5/31/2023 10:40:51. 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.ConventionalFixed RateProductTermRateAPRPoints* 30 Year Fixed Rate360 6.375%payment example6.620%1.900360 6.625%payment example6.812%1.273 20 Year Fixed Rate240 6.125%payment example6.405%1.598240 6.375%payment example6.591%1.074 15 Year Fixed Rate180 4.875%payment example5.581%3.871180 5.000%payment example5.662%3.577 10 Year Fixed Rate120 4.875%payment example5.827%3.621120 5.125%payment example5.937%2.981Footnotes 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 MortgageProductTermRateAPRPoints* 10-Year ARM360 5.750%payment example6.515%-0.875360 6.000%payment example6.673%-1.500 7-Year ARM360 5.625%payment example6.809%-0.125360 5.875%payment example6.891%-0.750 5-Year ARM360 5.750%payment example7.088%-0.500360 6.000%payment example7.185%-1.125Footnotes 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. FHAFixed Rate Mortgage30 Year Fixed Rate MortgageProductTermRateAPRPoints* 30 Year Fixed Rate Mortgage360 5.750%payment example7.014%2.221360 6.000%payment example7.143%1.054Footnotes 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. JumboJumbo - Fixed Rate MortgageProductTermRateAPRPoints 15yr Jumbo Fixed Rate Conventional180 5.750%payment example5.810%0.000180 6.000%payment example6.000%-0.875 30yr Jumbo Fixed Rate Mortgage360 6.000%payment example6.013%-0.250360 6.250%payment example6.250%-1.000Footnotes Jumbo - Fixed Rate MortgageJumbo - Adjustable Rate MortgageProductTermRateAPRPoints 5-Year Jumbo ARM360 5.750%payment example7.349%-0.625360 6.000%payment example7.455%-1.250 7-Year Jumbo ARM360 5.500%payment example7.073%1.125360 5.750%payment example7.140%0.500 10-Year Jumbo ARM360 5.625%payment example6.646%0.125360 5.875%payment example6.757%-0.750Footnotes Jumbo - Adjustable Rate MortgageVHDAVHDAProductTermRateAPRPoints* 30 Year FHA Fixed Rate360 6.625%payment example7.924%2.500360 6.750%payment example8.036%2.375 FHA Plus 30 Year Fixed Rate Second Mortgage360 6.750%payment example8.063%2.625360 6.875%payment example8.175%2.500Footnotes 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 DevelopmentUSDA-Rural Development30 Year USDA-Rural Development Fixed RateProductTermRateAPRPoints* 30 Year USDA-Rural Development Fixed Rate360 5.250%payment example6.047%3.477360 5.500%payment example6.200%2.423Footnotes 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.VAVA30 Year Fixed RateProductTermRateAPRPoints* 30 Year Fixed Rate360 6.000%payment example6.156%1.184360 6.250%payment example6.383%0.917Footnotes 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 RatesRefinance for a low-rate mortgage and put more money toward the things that matter most to you.33 The loan product and rate examples seen here are current as of 5/31/2023 10:40:51. 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 RefinanceNo Closing Cost Refinance Fixed RateProductTermRateAPRPoints* 30 Year No Closing Cost Refinance Fixed Rate360 6.750%payment example7.141%3.607360 6.875%payment example7.233%3.252 15 Year No Closing Cost Refinance Fixed Rate180 5.250%payment example6.091%5.076180 5.375%payment example6.172%4.786Footnotes 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.ConventionalConventionalProductTermRateAPRPoints* 30 Year Fixed Rate360 6.625%payment example6.837%1.523360 6.875%payment example7.047%1.092 20 Year Fixed Rate240 6.375%payment example6.623%1.324240 6.625%payment example6.800%0.730 15 Year Fixed Rate180 5.125%payment example5.774%3.477180 5.375%payment example5.931%2.866 10 Year Fixed Rate120 5.000%payment example5.947%3.586120 5.250%payment example6.050%2.916Footnotes 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 MortgageProductTermRateAPRPoints* 10-Year ARM360 5.500%payment example6.410%0.000360 5.750%payment example6.515%-0.625 7-Year ARM360 5.625%payment example6.832%0.125360 5.875%payment example6.900%-0.500 5-Year ARM360 5.750%payment example7.112%-0.250360 6.000%payment example7.185%-0.875Footnotes 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.JumboJumbo - Fixed Rate MortgageProductTermRateAPRPoints 15yr Jumbo Fixed Rate Conventional180 5.750%payment example5.908%0.625180 6.000%payment example6.023%-0.250 30yr Jumbo Fixed Rate Mortgage360 6.000%payment example6.072%0.375360 6.250%payment example6.253%-0.375Footnotes Jumbo - Fixed Rate MortgageJumbo - Adjustable Rate MortgageProductTermRateAPRPoints 5-Year Jumbo ARM360 5.500%payment example7.351%0.750360 5.750%payment example7.350%-0.375 7-Year Jumbo ARM360 5.500%payment example7.097%1.375360 5.750%payment example7.164%0.750 10-Year Jumbo ARM360 5.625%payment example6.668%0.375360 5.875%payment example6.757%-0.500Footnotes Jumbo - Adjustable Rate MortgageDeposit RatesWhether 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.44 The deposit rate information applies to accounts starting on the 5/31/2023. 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 RatesProductMinimum Opening DepositMinimum to Earn APYRateAnnual Percentage Yield (APY)*Compounding FrequencyChecking Plus$20$10.05%0.05%MonthlyChecking Plus$20$50000.50%0.50%MonthlyEnhanced Benefit Checking$20$10.05%0.05%MonthlyEnhanced Benefit Checking$20$50000.50%0.50%MonthlyExtra Credit Checking (ages 13-22)**$20$10.05%0.05%MonthlyExtra Credit Checking (ages 13-22)$20$50000.50%0.50%MonthlyChecking 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 RatesRegular SavingsProductMinimum Opening DepositMinimum to Earn APYRateAnnual Percentage Yield (APY)*Compounding FrequencyRegular Savings$5$1000.05%0.05%QuarterlyRegular Savings$5$5000.75%0.75%QuarterlyRegular 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 RatesProductMinimum Opening DepositMinimum to Earn APYRateAnnual Percentage Yield (APY)*Compounding FrequencyPremium Money Market$10000$1000.05%0.05%MonthlyPremium Money Market$10000$100001.74%1.75%MonthlyPremium Plus Money Market$25000$1000.05%0.05%MonthlyPremium Plus Money Market$25000$250002.23%2.25%MonthlyPremium Plus Money Market$25000$500002.47%2.50%MonthlyPremium Plus Money Market$25000$1000002.72%2.75%MonthlyPremium Plus Money Market$25000$2500002.96%3.00%MonthlyMoney 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 RatesProductMinimum Opening DepositMinimum to Earn APYRateAnnual Percentage Yield (APY)*Compounding Frequency6 month certificate**$500$5002.43%2.45%Quarterly6 month certificate$5000$50002.43%2.46%Monthly6 month certificate$50000$500002.53%2.56%Monthly6 month certificate$100000$1000002.63%2.66%Monthly12 month certificate***$500$5003.55%3.60%Quarterly12 month certificate$5000$50003.55%3.61%Monthly12 month certificate$50000$500003.65%3.71%Monthly12 month certificate$100000$1000003.75%3.82%Monthly24 Month Certificate$500$5003.41%3.45%Quarterly24 Month Certificate$5000$50003.41%3.46%Monthly24 Month Certificate$50000$500003.51%3.56%Monthly24 Month Certificate$100000$1000003.61%3.67%Monthly36 month certificate$500$5003.60%3.65%Quarterly36 month certificate$5000$50003.60%3.66%Monthly36 month certificate$50000$500003.70%3.76%Monthly36 month certificate$100000$1000003.80%3.87%Monthly48 month certificate$500$5003.70%3.75%Quarterly48 month certificate$5000$50003.70%3.76%Monthly48 month certificate$50000$500003.80%3.86%Monthly48 month certificate$100000$1000003.90%3.97%Monthly60 month certificate$500$5003.80%3.85%Quarterly60 month certificate$5000$50003.80%3.86%Monthly60 month certificate$50000$500003.90%3.97%Monthly60 month certificate$100000$1000004.00%4.07%MonthlySavings 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 RatesProductMinimum Opening DepositMinimum to Earn APYRateAnnual Percentage Yield (APY)*Compounding Frequency12 month IRA$100$1003.55%3.60%Quarterly12 month IRA$5000$50003.55%3.61%Monthly12 month IRA$50000$500003.65%3.71%Monthly12 month IRA$100000$1000003.75%3.82%Monthly18 month variable IRA$500$5002.97%3.00%Quarterly18 month variable IRA$5000$50002.97%3.01%Monthly18 month variable IRA$50000$500003.07%3.11%Monthly18 month variable IRA$100000$1000003.17%3.21%Monthly24 month IRA$100$1003.41%3.45%Quarterly24 month IRA$5000$50003.41%3.46%Monthly24 month IRA$50000$500003.51%3.56%Monthly24 month IRA$100000$1000003.61%3.67%Monthly36 month IRA$100$1003.60%3.65%Quarterly36 month IRA$5000$50003.60%3.66%Monthly36 month IRA$50000$500003.70%3.76%Monthly36 month IRA$100000$1000003.80%3.87%Monthly48 month IRA$100$1003.70%3.75%Quarterly48 month IRA$5000$50003.70%3.76%Monthly48 month IRA$50000$500003.80%3.86%Monthly48 month IRA$100000$1000003.90%3.97%Monthly60 month IRA$100$1003.80%3.85%Quarterly60 month IRA$5000$50003.80%3.86%Monthly60 month IRA$50000$500003.90%3.97%Monthly60 month IRA$100000$1000004.00%4.07%MonthlyIndividual 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 RatesHealth Savings AccountProductMinimum Opening DepositMinimum to Earn APYRateAnnual Percentage Yield (APY)*Compounding FrequencyHealth Savings Account$5$1001.74%1.75%QuarterlyHealth 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 RatesWhether your organization is a startup, in growth mode, or established, our flexible deposit options can help your business thrive.55 The deposit rate information applies to accounts starting on the 5/31/2023. 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 RatesProductMinimum Opening DepositMinimum to Earn APYRateAnnual Percentage Yield (APY)*Compounding FrequencyBusiness Money Market Checking$100$1000.05%0.05%MonthlyBusiness Money Market Checking$100$15001.49%1.50%MonthlyBusiness Plus Money Market Checking$100$1000.05%0.05%MonthlyBusiness Plus Money Market Checking$100$250001.54%1.55%MonthlyBusiness Plus Money Market Checking$100$500001.69%1.70%MonthlyBusiness Plus Money Market Checking$100$1000001.83%1.85%MonthlyBusiness Plus Money Market Checking$100$2500001.98%2.00%MonthlyBusiness 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 RatesProductMinimum Opening DepositMinimum to Earn APYRateAnnual Percentage Yield (APY)*Compounding Frequency6 month certificate**$500$5002.43%2.45%Quarterly6 month certificate$5000$50002.43%2.46%Monthly6 month certificate$50000$500002.53%2.56%Monthly6 month certificate$100000$1000002.63%2.66%Monthly12 month certificate***$500$5003.55%3.60%Quarterly12 month certificate$5000$50003.55%3.61%Monthly12 month certificate$50000$500003.65%3.71%Monthly12 month certificate$100000$1000003.75%3.82%Monthly24 month certificate$500$5003.41%3.45%Quarterly24 month certificate$5000$50003.41%3.46%Monthly24 month certificate$50000$500003.51%3.56%Monthly24 month certificate$100000$1000003.61%3.67%Monthly36 month certificate$500$5003.60%3.65%Quarterly36 month certificate$5000$50003.60%3.66%Monthly36 month certificate$50000$500003.70%3.76%Monthly36 month certificate$100000$1000003.80%3.87%Monthly48 month certificate$500$5003.70%3.75%Quarterly48 month certificate$5000$50003.70%3.76%Monthly48 month certificate$50000$500003.80%3.86%Monthly48 month certificate$100000$1000003.90%3.97%Monthly60 month certificate$500$5003.80%3.85%Quarterly60 month certificate$5000$50003.80%3.86%Monthly60 month certificate$50000$500003.90%3.97%Monthly60 month certificate$100000$1000004.00%4.07%MonthlyBusiness 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 RatesCar or Light Truck LoanProductTermAPR*(as low as)Car or Light Truck Loanup to 48 months4.99%Car or Light Truck Loanup to 66 months5.19%Car or Light Truck Loanup to 72 months5.59%Car or Light Truck Loanup to 78 months5.84%Car or Light Truck Loanup to 84 months6.59%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 Credit Union Direct Lending (CUDL).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.
Home Equity Loan & Line RatesProductAPR*(as low as)Home Equity Line of Credit**8.00%Home Equity Loan6.75%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 8.00%. Maximum APR is 18.00%.
Personal Loan & Line RatesProductAPR*(as low as)Personal Line of Credit**9.50%Personal Loan***6.99%Deposit Secured Personal Loan****8.00%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 9.50%. ***Rate effective as of 5/31/2023. 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 6.99% to a maximum APR rate of 32.49%. Ask us about other APR and longer term options. Regardless of available discounts, 6.99% 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 $239.46 at 6.99% 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. ****APR varies and may be adjusted monthly based on the Prime Rate published in the Wall Street Journal. Minimum APR is 8.00%.
Credit Card RatesProductAnnual FeeAPR*(as low as)Essential Mastercard®No Annual Fee13.49%Cash Rewards Mastercard®No Annual Fee15.49%Flex Rewards Mastercard®No Annual Fee17.49%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 RatesMotorcycle Loan RatesProductTermAPR*(as low as)Motorcycle Loan Ratesup to 48 months7.99%Motorcycle Loan Ratesup to 66 months8.49%Motorcycle Loan Ratesup to 72 months8.74%Motorcycle Loan Ratesup to 78 months8.99%Motorcycle Loan Ratesup to 84 months10.24%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.
Recreational Vehicle Loan RatesRecreational Vehicle Loan RatesProductTermAPR*(as low as)Recreational Vehicle Loan Ratesup to 48 months7.49%Recreational Vehicle Loan Ratesup to 66 months7.99%Recreational Vehicle Loan Ratesup to 72 months8.24%Recreational Vehicle Loan Ratesup to 78 months8.49%Recreational Vehicle Loan Ratesup to 84 months9.74%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.
Watercraft Loan RatesWatercraft Loan RatesProductTermAPR*(as low as)Watercraft Loan Ratesup to 48 months6.99%Watercraft Loan Ratesup to 66 months7.49%Watercraft Loan Ratesup to 72 months7.74%Watercraft Loan Ratesup to 78 months7.99%Watercraft Loan Ratesup to 84 months9.24%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.
Fixed RateProductTermRateAPRPoints* 30 Year Fixed Rate360 6.375%payment example6.620%1.900360 6.625%payment example6.812%1.273 20 Year Fixed Rate240 6.125%payment example6.405%1.598240 6.375%payment example6.591%1.074 15 Year Fixed Rate180 4.875%payment example5.581%3.871180 5.000%payment example5.662%3.577 10 Year Fixed Rate120 4.875%payment example5.827%3.621120 5.125%payment example5.937%2.981Footnotes 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 MortgageProductTermRateAPRPoints* 10-Year ARM360 5.750%payment example6.515%-0.875360 6.000%payment example6.673%-1.500 7-Year ARM360 5.625%payment example6.809%-0.125360 5.875%payment example6.891%-0.750 5-Year ARM360 5.750%payment example7.088%-0.500360 6.000%payment example7.185%-1.125Footnotes 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 Mortgage30 Year Fixed Rate MortgageProductTermRateAPRPoints* 30 Year Fixed Rate Mortgage360 5.750%payment example7.014%2.221360 6.000%payment example7.143%1.054Footnotes 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.
Jumbo - Fixed Rate MortgageProductTermRateAPRPoints 15yr Jumbo Fixed Rate Conventional180 5.750%payment example5.810%0.000180 6.000%payment example6.000%-0.875 30yr Jumbo Fixed Rate Mortgage360 6.000%payment example6.013%-0.250360 6.250%payment example6.250%-1.000Footnotes Jumbo - Fixed Rate Mortgage
Jumbo - Adjustable Rate MortgageProductTermRateAPRPoints 5-Year Jumbo ARM360 5.750%payment example7.349%-0.625360 6.000%payment example7.455%-1.250 7-Year Jumbo ARM360 5.500%payment example7.073%1.125360 5.750%payment example7.140%0.500 10-Year Jumbo ARM360 5.625%payment example6.646%0.125360 5.875%payment example6.757%-0.750Footnotes Jumbo - Adjustable Rate Mortgage
VHDAProductTermRateAPRPoints* 30 Year FHA Fixed Rate360 6.625%payment example7.924%2.500360 6.750%payment example8.036%2.375 FHA Plus 30 Year Fixed Rate Second Mortgage360 6.750%payment example8.063%2.625360 6.875%payment example8.175%2.500Footnotes 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 Development30 Year USDA-Rural Development Fixed RateProductTermRateAPRPoints* 30 Year USDA-Rural Development Fixed Rate360 5.250%payment example6.047%3.477360 5.500%payment example6.200%2.423Footnotes 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.
VA30 Year Fixed RateProductTermRateAPRPoints* 30 Year Fixed Rate360 6.000%payment example6.156%1.184360 6.250%payment example6.383%0.917Footnotes 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 RateProductTermRateAPRPoints* 30 Year No Closing Cost Refinance Fixed Rate360 6.750%payment example7.141%3.607360 6.875%payment example7.233%3.252 15 Year No Closing Cost Refinance Fixed Rate180 5.250%payment example6.091%5.076180 5.375%payment example6.172%4.786Footnotes 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.
ConventionalProductTermRateAPRPoints* 30 Year Fixed Rate360 6.625%payment example6.837%1.523360 6.875%payment example7.047%1.092 20 Year Fixed Rate240 6.375%payment example6.623%1.324240 6.625%payment example6.800%0.730 15 Year Fixed Rate180 5.125%payment example5.774%3.477180 5.375%payment example5.931%2.866 10 Year Fixed Rate120 5.000%payment example5.947%3.586120 5.250%payment example6.050%2.916Footnotes 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 MortgageProductTermRateAPRPoints* 10-Year ARM360 5.500%payment example6.410%0.000360 5.750%payment example6.515%-0.625 7-Year ARM360 5.625%payment example6.832%0.125360 5.875%payment example6.900%-0.500 5-Year ARM360 5.750%payment example7.112%-0.250360 6.000%payment example7.185%-0.875Footnotes 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.
Jumbo - Fixed Rate MortgageProductTermRateAPRPoints 15yr Jumbo Fixed Rate Conventional180 5.750%payment example5.908%0.625180 6.000%payment example6.023%-0.250 30yr Jumbo Fixed Rate Mortgage360 6.000%payment example6.072%0.375360 6.250%payment example6.253%-0.375Footnotes Jumbo - Fixed Rate Mortgage
Jumbo - Adjustable Rate MortgageProductTermRateAPRPoints 5-Year Jumbo ARM360 5.500%payment example7.351%0.750360 5.750%payment example7.350%-0.375 7-Year Jumbo ARM360 5.500%payment example7.097%1.375360 5.750%payment example7.164%0.750 10-Year Jumbo ARM360 5.625%payment example6.668%0.375360 5.875%payment example6.757%-0.500Footnotes Jumbo - Adjustable Rate Mortgage
Checking RatesProductMinimum Opening DepositMinimum to Earn APYRateAnnual Percentage Yield (APY)*Compounding FrequencyChecking Plus$20$10.05%0.05%MonthlyChecking Plus$20$50000.50%0.50%MonthlyEnhanced Benefit Checking$20$10.05%0.05%MonthlyEnhanced Benefit Checking$20$50000.50%0.50%MonthlyExtra Credit Checking (ages 13-22)**$20$10.05%0.05%MonthlyExtra Credit Checking (ages 13-22)$20$50000.50%0.50%MonthlyChecking 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 RatesRegular SavingsProductMinimum Opening DepositMinimum to Earn APYRateAnnual Percentage Yield (APY)*Compounding FrequencyRegular Savings$5$1000.05%0.05%QuarterlyRegular Savings$5$5000.75%0.75%QuarterlyRegular 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 RatesProductMinimum Opening DepositMinimum to Earn APYRateAnnual Percentage Yield (APY)*Compounding FrequencyPremium Money Market$10000$1000.05%0.05%MonthlyPremium Money Market$10000$100001.74%1.75%MonthlyPremium Plus Money Market$25000$1000.05%0.05%MonthlyPremium Plus Money Market$25000$250002.23%2.25%MonthlyPremium Plus Money Market$25000$500002.47%2.50%MonthlyPremium Plus Money Market$25000$1000002.72%2.75%MonthlyPremium Plus Money Market$25000$2500002.96%3.00%MonthlyMoney 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 RatesProductMinimum Opening DepositMinimum to Earn APYRateAnnual Percentage Yield (APY)*Compounding Frequency6 month certificate**$500$5002.43%2.45%Quarterly6 month certificate$5000$50002.43%2.46%Monthly6 month certificate$50000$500002.53%2.56%Monthly6 month certificate$100000$1000002.63%2.66%Monthly12 month certificate***$500$5003.55%3.60%Quarterly12 month certificate$5000$50003.55%3.61%Monthly12 month certificate$50000$500003.65%3.71%Monthly12 month certificate$100000$1000003.75%3.82%Monthly24 Month Certificate$500$5003.41%3.45%Quarterly24 Month Certificate$5000$50003.41%3.46%Monthly24 Month Certificate$50000$500003.51%3.56%Monthly24 Month Certificate$100000$1000003.61%3.67%Monthly36 month certificate$500$5003.60%3.65%Quarterly36 month certificate$5000$50003.60%3.66%Monthly36 month certificate$50000$500003.70%3.76%Monthly36 month certificate$100000$1000003.80%3.87%Monthly48 month certificate$500$5003.70%3.75%Quarterly48 month certificate$5000$50003.70%3.76%Monthly48 month certificate$50000$500003.80%3.86%Monthly48 month certificate$100000$1000003.90%3.97%Monthly60 month certificate$500$5003.80%3.85%Quarterly60 month certificate$5000$50003.80%3.86%Monthly60 month certificate$50000$500003.90%3.97%Monthly60 month certificate$100000$1000004.00%4.07%MonthlySavings 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 RatesProductMinimum Opening DepositMinimum to Earn APYRateAnnual Percentage Yield (APY)*Compounding Frequency12 month IRA$100$1003.55%3.60%Quarterly12 month IRA$5000$50003.55%3.61%Monthly12 month IRA$50000$500003.65%3.71%Monthly12 month IRA$100000$1000003.75%3.82%Monthly18 month variable IRA$500$5002.97%3.00%Quarterly18 month variable IRA$5000$50002.97%3.01%Monthly18 month variable IRA$50000$500003.07%3.11%Monthly18 month variable IRA$100000$1000003.17%3.21%Monthly24 month IRA$100$1003.41%3.45%Quarterly24 month IRA$5000$50003.41%3.46%Monthly24 month IRA$50000$500003.51%3.56%Monthly24 month IRA$100000$1000003.61%3.67%Monthly36 month IRA$100$1003.60%3.65%Quarterly36 month IRA$5000$50003.60%3.66%Monthly36 month IRA$50000$500003.70%3.76%Monthly36 month IRA$100000$1000003.80%3.87%Monthly48 month IRA$100$1003.70%3.75%Quarterly48 month IRA$5000$50003.70%3.76%Monthly48 month IRA$50000$500003.80%3.86%Monthly48 month IRA$100000$1000003.90%3.97%Monthly60 month IRA$100$1003.80%3.85%Quarterly60 month IRA$5000$50003.80%3.86%Monthly60 month IRA$50000$500003.90%3.97%Monthly60 month IRA$100000$1000004.00%4.07%MonthlyIndividual 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 RatesHealth Savings AccountProductMinimum Opening DepositMinimum to Earn APYRateAnnual Percentage Yield (APY)*Compounding FrequencyHealth Savings Account$5$1001.74%1.75%QuarterlyHealth 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 RatesProductMinimum Opening DepositMinimum to Earn APYRateAnnual Percentage Yield (APY)*Compounding FrequencyBusiness Money Market Checking$100$1000.05%0.05%MonthlyBusiness Money Market Checking$100$15001.49%1.50%MonthlyBusiness Plus Money Market Checking$100$1000.05%0.05%MonthlyBusiness Plus Money Market Checking$100$250001.54%1.55%MonthlyBusiness Plus Money Market Checking$100$500001.69%1.70%MonthlyBusiness Plus Money Market Checking$100$1000001.83%1.85%MonthlyBusiness Plus Money Market Checking$100$2500001.98%2.00%MonthlyBusiness 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 RatesProductMinimum Opening DepositMinimum to Earn APYRateAnnual Percentage Yield (APY)*Compounding Frequency6 month certificate**$500$5002.43%2.45%Quarterly6 month certificate$5000$50002.43%2.46%Monthly6 month certificate$50000$500002.53%2.56%Monthly6 month certificate$100000$1000002.63%2.66%Monthly12 month certificate***$500$5003.55%3.60%Quarterly12 month certificate$5000$50003.55%3.61%Monthly12 month certificate$50000$500003.65%3.71%Monthly12 month certificate$100000$1000003.75%3.82%Monthly24 month certificate$500$5003.41%3.45%Quarterly24 month certificate$5000$50003.41%3.46%Monthly24 month certificate$50000$500003.51%3.56%Monthly24 month certificate$100000$1000003.61%3.67%Monthly36 month certificate$500$5003.60%3.65%Quarterly36 month certificate$5000$50003.60%3.66%Monthly36 month certificate$50000$500003.70%3.76%Monthly36 month certificate$100000$1000003.80%3.87%Monthly48 month certificate$500$5003.70%3.75%Quarterly48 month certificate$5000$50003.70%3.76%Monthly48 month certificate$50000$500003.80%3.86%Monthly48 month certificate$100000$1000003.90%3.97%Monthly60 month certificate$500$5003.80%3.85%Quarterly60 month certificate$5000$50003.80%3.86%Monthly60 month certificate$50000$500003.90%3.97%Monthly60 month certificate$100000$1000004.00%4.07%MonthlyBusiness 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.