Loan Rates Say goodbye to high monthly payments. Our loan rates are some of the lowest around, and that’s because we want your money to go further.1 1 The loan product and rate information seen here is current as of 11/17/2019. We sometimes offer other rates and terms for a period of time. Your rate may vary based on factors such as your credit history and payment method. For more information, please contact Member Services at (804) 323-6800 or (800) 285-6609. Car Loan Rates Product Term APR*(as low as) Car or Light Truck Loan up to 48 months 2.59% Car or Light Truck Loan up to 66 months 3.09% Car or Light Truck Loan up to 72 months 3.34% Car or Light Truck Loan up to 78 months 3.59% Car or Light Truck Loan up to 84 months 4.84% 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 0.500000% discount for an automated payment method approved by us, a 0.500000% discount for a loan-to-value (LTV) that is 115% or less, and a 0.750000% discount for a loan amount of $20,000 or more. Regardless of available Discounts, 2.59% is the minimum APR offered. Minimum and maximum loan amounts apply. Ask us about other APR and longer term options. Please contact us for specific terms, rates, available discounts, and information about loans originated at dealerships that participate in Credit Union Direct Lending (CUDL). Payment example based on a $20,000.00 loan: $439.07 at 2.59% APR with a 48 month term; $329.90 at 3.09% APR with a 66 month term; $306.93 at 3.34% APR with a 72 month term; $287.87 at 3.59% APR with a 78 month term; and $281.18 at 4.84% APR with an 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors. Home Equity Loan & Line Rates Product APR*(as low as) Home Equity Line of Credit** 5.00% Home Equity Loan 5.00% Footnotes * Your APR will be determined based on our internal credit criteria. Listed APRs are based on a loan to value of 70% or less, assume an excellent credit rating, and for Equity Loan include a .50% discount for repaying by an automated payment method approved by us. Property insurance required. If account is closed or paid off within 36 months of opening it, you will pay a reimbursement fee equal to the amount of closing costs originally paid by VACU. Minimum and maximum loan or credit limits apply. Please contact us for specific term options and rates. **APR varies and may be adjusted monthly based on the Prime Rate published in the Wall Street Journal. Minimum APR is 5.5%. Maximum APR is 18.00%. Bicycle Loan Rates Product APR*(as low as) Bicycle Loan** 9.49% Footnotes * 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 rating, and include a 0.500% discount for repaying by an automated payment method approved by us. Personal Loan & Line Rates Product APR*(as low as) Personal Line of Credit** 7.00% Personal Loan*** 9.49% Deposit Secured Personal Loan**** 6.00% Footnotes * Minimum and maximum loan amounts or credit limits apply. **APR varies and may be adjusted monthly based on the Prime Rate published in the Wall Street Journal. Minimum APR is 7.5%. ***Your APR will be determined based on our internal credit criteria. Listed APRs assume excellent credit rating, and include a 0.500% discount for repaying by an automated payment method approved by us. ****APR varies and may be adjusted monthly based on the Prime Rate published in the Wall Street Journal. Minimum APR is 6%. Credit Card Rates Product Annual Fee APR*(as low as) Essential Mastercard® No Annual Fee 10.99% Cash Rewards Mastercard® No Annual Fee 12.99% Flex Rewards Mastercard® No Annual Fee 14.99% Footnotes * Your APR, including any promotional APR, will be determined based on our internal credit criteria. Periodically we will evaluate your credit information and at such time your margin is subject to increase or decrease, which impacts your APR. Minimum and Maximum credit limits apply. The Variable rate is subject to change quarterly based on the highest Prime Rate published in the Wall Street Journal. Motorcycle Loan Rates Product Term APR*(as low as) Motorcycle Loan Rates up to 48 months 5.24% Motorcycle Loan Rates up to 66 months 5.74% Motorcycle Loan Rates up to 72 months 5.99% Motorcycle Loan Rates up to 78 months 6.24% Motorcycle Loan Rates up to 84 months 7.49% Footnotes * Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, a 0.500% discount for an automated payment method approved by us, a 0.500% discount for a loan-to-value (LTV) of less than 115% and a 0.750% discount for a loan amount of $20000 or more. Regardless of available Discounts, 5.24% is the minimum APR offered. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts. Payment example based on a $20,000.00 loan: $462.76 at 5.24% APR with a 48 month term; $354.09 at 5.74% APR with a 66 month term; $331.36 at 5.99% APR with a 72 month term; $312.57 at 6.24% APR with a 78 month term; and $306.67 at 7.49% APR with an 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors. Recreational Vehicle Loan Rates Product Term APR*(as low as) Recreational Vehicle Loan Rates up to 48 months 4.74% Recreational Vehicle Loan Rates up to 66 months 5.24% Recreational Vehicle Loan Rates up to 72 months 5.49% Recreational Vehicle Loan Rates up to 78 months 5.74% Recreational Vehicle Loan Rates up to 84 months 6.99% Footnotes * Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, a 0.500% discount for an automated payment method approved by us, a 0.500% discount for a loan-to-value (LTV) of less than 115% and a 0.750% discount for a loan amount of $20000 or more. Regardless of available Discounts, 4.74% is the minimum APR offered. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts. Payment example based on a $20,000.00 loan: $458.23 at 4.74% APR with a 48 month term; $349.45 at 5.24% APR with a 66 month term; $326.66 at 5.49% APR with a 72 month term; $307.82 at 5.74% APR with a 78 month term; and $301.76 at 6.99% APR with an 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors. Watercraft Loan Rates Product Term APR*(as low as) Watercraft Loan Rates up to 48 months 4.24% Watercraft Loan Rates up to 66 months 4.74% Watercraft Loan Rates up to 72 months 4.99% Watercraft Loan Rates up to 78 months 5.24% Watercraft Loan Rates up to 84 months 6.49% Footnotes * Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, a 0.500% discount for an automated payment method approved by us, a 0.500% discount for a loan-to-value (LTV) of less than 115% and a 0.750% discount for a loan amount of $20000 or more. Regardless of available Discounts, 4.24% is the minimum APR offered. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts. Payment example based on a $20,000.00 loan: $453.73 at 4.24% APR with a 48 month term; $344.84 at 4.74% APR with a 66 month term; $322.01 at 4.99% APR with a 72 month term; $303.11 at 5.24% APR with a 78 month term; and $296.89 at 6.49% APR with an 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors. Home Purchase Rates Virginia Credit Union offers some of the best mortgage rates around and a variety of mortgage programs to meet your needs.2 2 The loan product and rate examples seen here are current as of 11/15/2019 10:26:57. These rates are for illustrative purposes only. Other product and rate options are available. Your actual rate and APR are dependent upon your application and may vary based on factors such as your credit score, loan purpose, occupancy, property type, loan amount, and the value of your home. Interest rate and APR are updated daily and subject to change without prior notice. Please note that an origination fee may be included in the APR. You can view assumptions and a payment example by clicking on a rate or APR above. Conventional Fixed Rate Product Term Rate APR Points* 30 Year Fixed Rate 360 3.500%payment example 3.799% 1.261 30 Year Fixed Rate 360 3.750%payment example 3.931% -0.219 20 Year Fixed Rate 240 3.250%payment example 3.668% 1.289 20 Year Fixed Rate 240 3.500%payment example 3.817% 0.381 15 Year Fixed Rate 180 2.875%payment example 3.349% 0.897 15 Year Fixed Rate 180 3.125%payment example 3.435% -0.255 10 Year Fixed Rate 120 3.000%payment example 3.516% 0.066 10 Year Fixed Rate 120 2.750%payment example 3.538% 1.357 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. For more information about home purchase mortgages, please call (804) 323-6800 or (800) 285-6609 or get started by having a mortgage loan officer contact you. Adjustable Rate Mortgage Product Term Rate APR Points* 10/1 ARM 360 3.375%payment example 3.989% 1.011 10/1 ARM 360 4.000%payment example 4.361% 0.756 7/1 ARM 360 3.250%payment example 4.076% 1.233 7/1 ARM 360 3.875%payment example 4.287% 0.158 5/1 ARM 360 3.125%payment example 4.148% 1.259 5/1 ARM 360 3.875%payment example 4.319% 0.025 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. For more information about home purchase mortgages, please call (804) 323-6800 or (800) 285-6609 or get started by having a mortgage loan officer contact you. FHA Fixed Rate Mortgage Product Term Rate APR Points* 30 Year Fixed Rate Mortgage 360 3.125%payment example 4.431% 0.893 30 Year Fixed Rate Mortgage 360 3.375%payment example 4.601% 0.021 15 Year Fixed Rate Mortgage 180 3.125%payment example 4.646% 1.100 15 Year Fixed Rate Mortgage 180 3.375%payment example 4.771% 0.299 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. For more information about home purchase mortgages, please call (804) 323-6800 or (800) 285-6609 or get started by having a mortgage loan officer contact you. VHDA VHDA Product Term Rate APR Points* 30 Year FHA Fixed Rate 360 3.500%payment example 4.784% 0.625 30 Year FHA Fixed Rate 360 3.750%payment example 4.986% 0.125 FHA Plus 30 Year Fixed Rate Second Mortgage 360 3.625%payment example 4.952% 1.125 FHA Plus 30 Year Fixed Rate Second Mortgage 360 4.250%payment example 5.433% -0.375 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. For more information about home purchase mortgages, please call (804) 323-6800 or (800) 285-6609 or get started by having a mortgage loan officer contact you. USDA-Rural Development USDA-Rural Development Product Term Rate APR Points* 30 Year USDA-Rural Development Fixed Rate 360 3.125%payment example 3.820% 1.068 30 Year USDA-Rural Development Fixed Rate 360 3.375%payment example 3.990% 0.096 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. For more information about home purchase mortgages, please call (804) 323-6800 or (800) 285-6609 or get started by having a mortgage loan officer contact you. VA VA Product Term Rate APR Points* 30 Year Fixed Rate 360 3.250%payment example 3.476% 0.683 30 Year Fixed Rate 360 3.500%payment example 3.654% -0.239 15 Year Fixed Rate 180 3.125%payment example 3.643% 1.420 15 Year Fixed Rate 180 3.500%payment example 3.821% 0.045 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. For more information about home purchase mortgages, please call (804) 323-6800 or (800) 285-6609 or get started by having a mortgage loan officer contact you. Home Refinancing Rates Refinance for a low-rate mortgage and put more money toward the things that matter most to you.3 3 The loan product and rate examples seen here are current as of 11/15/2019 10:26:57. These rates are for illustrative purposes only. Other product and rate options are available. Your actual rate and APR are dependent upon your application and may vary based on factors such as your credit score, loan purpose, occupancy, property type, loan amount, and the value of your home. Interest rate and APR are updated daily and subject to change without prior notice. Please note that an origination fee may be included in the APR. You can view assumptions and a payment example by clicking on a rate or APR above. No Closing Cost Refinance No Closing Cost Refinance Fixed Rate Product Term Rate APR Points* 30 Year No Closing Cost Refinance Fixed Rate 360 4.000%payment example 4.220% 0.737 30 Year No Closing Cost Refinance Fixed Rate 360 4.250%payment example 4.412% 0.011 15 Year No Closing Cost Refinance Fixed Rate 180 3.250%payment example 3.720% 1.351 15 Year No Closing Cost Refinance Fixed Rate 180 3.750%payment example 4.005% -0.386 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. For more information about mortgage refinancing, please call (804) 323-6800 or (800) 285-6609 or get started by having a mortgage loan officer contact you. Conventional Conventional Product Term Rate APR Points* 30 Year Fixed Rate 360 3.500%payment example 3.820% 1.511 30 Year Fixed Rate 360 3.750%payment example 3.951% 0.031 20 Year Fixed Rate 240 3.500%payment example 3.846% 0.631 20 Year Fixed Rate 240 3.500%payment example 3.846% 0.631 15 Year Fixed Rate 180 2.875%payment example 3.386% 1.147 15 Year Fixed Rate 180 3.125%payment example 3.471% -0.005 10 Year Fixed Rate 120 3.000%payment example 3.570% 0.316 10 Year Fixed Rate 120 2.750%payment example 3.592% 1.607 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. For more information about mortgage refinancing, please call (804) 323-6800 or (800) 285-6609 or get started by having a mortgage loan officer contact you. Adjustable Rate Mortgage Product Term Rate APR Points* 10/1 ARM 360 4.000%payment example 4.388% 1.071 10/1 ARM 360 4.000%payment example 4.388% 1.071 7/1 ARM 360 3.500%payment example 4.177% 1.010 7/1 ARM 360 3.625%payment example 4.224% 0.858 5/1 ARM 360 3.250%payment example 4.181% 1.115 5/1 ARM 360 3.625%payment example 4.273% 0.575 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. For more information about mortgage refinancing, please call (804) 323-6800 or (800) 285-6609 or get started by having a mortgage loan officer contact you. Deposit Rates Whether you’re just getting started on your savings or you’re actively building a nest egg, you can earn extra money with great yields on federally insured deposits.4 4 The deposit rate information applies to accounts starting on the 11/17/2019. If you have any questions or if we can help you in any way, please contact Member Services at (804) 323-6800 or (800) 285-6609. Checking Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Checking Plus $20 $1 0.05% 0.05% Checking Plus $20 $5000 0.40% 0.40% Enhanced Benefit Checking $20 $1 0.05% 0.05% Enhanced Benefit Checking $20 $5000 0.40% 0.40% Extra Credit Checking (ages 13-22)** $20 $1 0.05% 0.05% Extra Credit Checking (ages 13-22) $20 $5000 0.40% 0.40% Checking Rates Footnotes * APYs may change after account is opened. Fees may reduce earnings on your accounts. Please contact us if we can help you in any way. **Applicants under age 15 must have a joint owner on the account. Regular Savings Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Regular Savings $5 $100 0.05% 0.05% Regular Savings $5 $500 0.30% 0.30% Regular Savings Rates Footnotes * APYs may change after account is opened. Fees may reduce earnings on your accounts. For Regular Savings there is no minimum balance to earn APY for members under age 23. Please contact us if we can help you in any way. Money Market Savings Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Premium Money Market $10000 $100 0.05% 0.05% Premium Money Market $10000 $10000 0.85% 0.85% Premium Plus Money Market $25000 $100 0.05% 0.05% Premium Plus Money Market $25000 $25000 1.00% 1.00% Premium Plus Money Market $25000 $50000 1.05% 1.05% Premium Plus Money Market $25000 $100000 1.24% 1.25% Premium Plus Money Market $25000 $250000 1.49% 1.50% Money Market Savings Rates Footnotes * APYs may change after account is opened. Fees may reduce earnings on your accounts. Please contact us if we can help you in any way. Savings Certificate Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* 6 month certificate** $500 $500 1.20% 1.20% 6 month certificate $5000 $5000 1.20% 1.20% 6 month certificate $50000 $50000 1.35% 1.35% 6 month certificate $100000 $100000 1.50% 1.51% 12 month certificate*** $500 $500 1.74% 1.75% 12 month certificate $5000 $5000 1.74% 1.75% 12 month certificate $50000 $50000 1.89% 1.91% 12 month certificate $100000 $100000 2.04% 2.06% 24 Month Certificate $500 $500 1.94% 1.95% 24 Month Certificate $5000 $5000 1.94% 1.95% 24 Month Certificate $50000 $50000 2.09% 2.11% 24 Month Certificate $100000 $100000 2.24% 2.26% 36 month certificate $500 $500 2.08% 2.10% 36 month certificate $5000 $5000 2.08% 2.10% 36 month certificate $50000 $50000 2.23% 2.26% 36 month certificate $100000 $100000 2.38% 2.41% 48 month certificate $500 $500 2.28% 2.30% 48 month certificate $5000 $5000 2.28% 2.30% 48 month certificate $50000 $50000 2.43% 2.46% 48 month certificate $100000 $100000 2.58% 2.61% 60 month certificate $500 $500 2.48% 2.50% 60 month certificate $5000 $5000 2.48% 2.51% 60 month certificate $50000 $50000 2.63% 2.66% 60 month certificate $100000 $100000 2.78% 2.81% Savings Certificate Rates Footnotes * A penalty may be imposed for early withdrawals. Fees may reduce earnings on your account. For more information, contact us. **If you desire an add-on feature for certificates of $50,000 or more, to make additional deposits to the certificate during its term, please contact us for rates. ***If you desire an add-on feature for certificates of $50,000 or more, to make additional deposits to the certificate during its term, please contact us for rates. Individual Retirement Account Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* 12 month IRA $100 $100 1.74% 1.75% 12 month IRA $5000 $5000 1.74% 1.75% 12 month IRA $50000 $50000 1.89% 1.91% 12 month IRA $100000 $100000 2.04% 2.06% 18 month variable IRA $100 $100 1.79% 1.80% 18 month variable IRA $5000 $5000 1.79% 1.80% 18 month variable IRA $50000 $50000 1.94% 1.96% 18 month variable IRA $100000 $100000 2.09% 2.11% 24 month IRA $100 $100 1.94% 1.95% 24 month IRA $5000 $5000 1.94% 1.95% 24 month IRA $50000 $50000 2.09% 2.11% 24 month IRA $100000 $100000 2.24% 2.26% 36 month IRA $100 $100 2.08% 2.10% 36 month IRA $5000 $5000 2.08% 2.10% 36 month IRA $50000 $50000 2.23% 2.26% 36 month IRA $100000 $100000 2.38% 2.41% 48 month IRA $100 $100 2.28% 2.30% 48 month IRA $5000 $5000 2.28% 2.30% 48 month IRA $50000 $50000 2.43% 2.46% 48 month IRA $100000 $100000 2.58% 2.61% 60 month IRA $100 $100 2.48% 2.50% 60 month IRA $5000 $5000 2.48% 2.51% 60 month IRA $50000 $50000 2.63% 2.66% 60 month IRA $100000 $100000 2.78% 2.81% Individual Retirement Account Rates Footnotes * A penalty may be imposed for early withdrawals. Fees may reduce earnings on your account. For more information, contact us. Health Savings Account Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Health Savings Account $5 $100 0.50% 0.50% 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.
Car Loan Rates Product Term APR*(as low as) Car or Light Truck Loan up to 48 months 2.59% Car or Light Truck Loan up to 66 months 3.09% Car or Light Truck Loan up to 72 months 3.34% Car or Light Truck Loan up to 78 months 3.59% Car or Light Truck Loan up to 84 months 4.84% 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 0.500000% discount for an automated payment method approved by us, a 0.500000% discount for a loan-to-value (LTV) that is 115% or less, and a 0.750000% discount for a loan amount of $20,000 or more. Regardless of available Discounts, 2.59% is the minimum APR offered. Minimum and maximum loan amounts apply. Ask us about other APR and longer term options. Please contact us for specific terms, rates, available discounts, and information about loans originated at dealerships that participate in Credit Union Direct Lending (CUDL). Payment example based on a $20,000.00 loan: $439.07 at 2.59% APR with a 48 month term; $329.90 at 3.09% APR with a 66 month term; $306.93 at 3.34% APR with a 72 month term; $287.87 at 3.59% APR with a 78 month term; and $281.18 at 4.84% APR with an 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.
Home Equity Loan & Line Rates Product APR*(as low as) Home Equity Line of Credit** 5.00% Home Equity Loan 5.00% Footnotes * Your APR will be determined based on our internal credit criteria. Listed APRs are based on a loan to value of 70% or less, assume an excellent credit rating, and for Equity Loan include a .50% discount for repaying by an automated payment method approved by us. Property insurance required. If account is closed or paid off within 36 months of opening it, you will pay a reimbursement fee equal to the amount of closing costs originally paid by VACU. Minimum and maximum loan or credit limits apply. Please contact us for specific term options and rates. **APR varies and may be adjusted monthly based on the Prime Rate published in the Wall Street Journal. Minimum APR is 5.5%. Maximum APR is 18.00%.
Bicycle Loan Rates Product APR*(as low as) Bicycle Loan** 9.49% Footnotes * 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 rating, and include a 0.500% discount for repaying by an automated payment method approved by us.
Personal Loan & Line Rates Product APR*(as low as) Personal Line of Credit** 7.00% Personal Loan*** 9.49% Deposit Secured Personal Loan**** 6.00% Footnotes * Minimum and maximum loan amounts or credit limits apply. **APR varies and may be adjusted monthly based on the Prime Rate published in the Wall Street Journal. Minimum APR is 7.5%. ***Your APR will be determined based on our internal credit criteria. Listed APRs assume excellent credit rating, and include a 0.500% discount for repaying by an automated payment method approved by us. ****APR varies and may be adjusted monthly based on the Prime Rate published in the Wall Street Journal. Minimum APR is 6%.
Credit Card Rates Product Annual Fee APR*(as low as) Essential Mastercard® No Annual Fee 10.99% Cash Rewards Mastercard® No Annual Fee 12.99% Flex Rewards Mastercard® No Annual Fee 14.99% Footnotes * Your APR, including any promotional APR, will be determined based on our internal credit criteria. Periodically we will evaluate your credit information and at such time your margin is subject to increase or decrease, which impacts your APR. Minimum and Maximum credit limits apply. The Variable rate is subject to change quarterly based on the highest Prime Rate published in the Wall Street Journal.
Motorcycle Loan Rates Product Term APR*(as low as) Motorcycle Loan Rates up to 48 months 5.24% Motorcycle Loan Rates up to 66 months 5.74% Motorcycle Loan Rates up to 72 months 5.99% Motorcycle Loan Rates up to 78 months 6.24% Motorcycle Loan Rates up to 84 months 7.49% Footnotes * Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, a 0.500% discount for an automated payment method approved by us, a 0.500% discount for a loan-to-value (LTV) of less than 115% and a 0.750% discount for a loan amount of $20000 or more. Regardless of available Discounts, 5.24% is the minimum APR offered. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts. Payment example based on a $20,000.00 loan: $462.76 at 5.24% APR with a 48 month term; $354.09 at 5.74% APR with a 66 month term; $331.36 at 5.99% APR with a 72 month term; $312.57 at 6.24% APR with a 78 month term; and $306.67 at 7.49% APR with an 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.
Recreational Vehicle Loan Rates Product Term APR*(as low as) Recreational Vehicle Loan Rates up to 48 months 4.74% Recreational Vehicle Loan Rates up to 66 months 5.24% Recreational Vehicle Loan Rates up to 72 months 5.49% Recreational Vehicle Loan Rates up to 78 months 5.74% Recreational Vehicle Loan Rates up to 84 months 6.99% Footnotes * Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, a 0.500% discount for an automated payment method approved by us, a 0.500% discount for a loan-to-value (LTV) of less than 115% and a 0.750% discount for a loan amount of $20000 or more. Regardless of available Discounts, 4.74% is the minimum APR offered. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts. Payment example based on a $20,000.00 loan: $458.23 at 4.74% APR with a 48 month term; $349.45 at 5.24% APR with a 66 month term; $326.66 at 5.49% APR with a 72 month term; $307.82 at 5.74% APR with a 78 month term; and $301.76 at 6.99% APR with an 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.
Watercraft Loan Rates Product Term APR*(as low as) Watercraft Loan Rates up to 48 months 4.24% Watercraft Loan Rates up to 66 months 4.74% Watercraft Loan Rates up to 72 months 4.99% Watercraft Loan Rates up to 78 months 5.24% Watercraft Loan Rates up to 84 months 6.49% Footnotes * Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, a 0.500% discount for an automated payment method approved by us, a 0.500% discount for a loan-to-value (LTV) of less than 115% and a 0.750% discount for a loan amount of $20000 or more. Regardless of available Discounts, 4.24% is the minimum APR offered. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts. Payment example based on a $20,000.00 loan: $453.73 at 4.24% APR with a 48 month term; $344.84 at 4.74% APR with a 66 month term; $322.01 at 4.99% APR with a 72 month term; $303.11 at 5.24% APR with a 78 month term; and $296.89 at 6.49% APR with an 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.
Fixed Rate Product Term Rate APR Points* 30 Year Fixed Rate 360 3.500%payment example 3.799% 1.261 30 Year Fixed Rate 360 3.750%payment example 3.931% -0.219 20 Year Fixed Rate 240 3.250%payment example 3.668% 1.289 20 Year Fixed Rate 240 3.500%payment example 3.817% 0.381 15 Year Fixed Rate 180 2.875%payment example 3.349% 0.897 15 Year Fixed Rate 180 3.125%payment example 3.435% -0.255 10 Year Fixed Rate 120 3.000%payment example 3.516% 0.066 10 Year Fixed Rate 120 2.750%payment example 3.538% 1.357 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. For more information about home purchase mortgages, please call (804) 323-6800 or (800) 285-6609 or get started by having a mortgage loan officer contact you.
Adjustable Rate Mortgage Product Term Rate APR Points* 10/1 ARM 360 3.375%payment example 3.989% 1.011 10/1 ARM 360 4.000%payment example 4.361% 0.756 7/1 ARM 360 3.250%payment example 4.076% 1.233 7/1 ARM 360 3.875%payment example 4.287% 0.158 5/1 ARM 360 3.125%payment example 4.148% 1.259 5/1 ARM 360 3.875%payment example 4.319% 0.025 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. For more information about home purchase mortgages, please call (804) 323-6800 or (800) 285-6609 or get started by having a mortgage loan officer contact you.
Fixed Rate Mortgage Product Term Rate APR Points* 30 Year Fixed Rate Mortgage 360 3.125%payment example 4.431% 0.893 30 Year Fixed Rate Mortgage 360 3.375%payment example 4.601% 0.021 15 Year Fixed Rate Mortgage 180 3.125%payment example 4.646% 1.100 15 Year Fixed Rate Mortgage 180 3.375%payment example 4.771% 0.299 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. For more information about home purchase mortgages, please call (804) 323-6800 or (800) 285-6609 or get started by having a mortgage loan officer contact you.
VHDA Product Term Rate APR Points* 30 Year FHA Fixed Rate 360 3.500%payment example 4.784% 0.625 30 Year FHA Fixed Rate 360 3.750%payment example 4.986% 0.125 FHA Plus 30 Year Fixed Rate Second Mortgage 360 3.625%payment example 4.952% 1.125 FHA Plus 30 Year Fixed Rate Second Mortgage 360 4.250%payment example 5.433% -0.375 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. For more information about home purchase mortgages, please call (804) 323-6800 or (800) 285-6609 or get started by having a mortgage loan officer contact you.
USDA-Rural Development Product Term Rate APR Points* 30 Year USDA-Rural Development Fixed Rate 360 3.125%payment example 3.820% 1.068 30 Year USDA-Rural Development Fixed Rate 360 3.375%payment example 3.990% 0.096 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. For more information about home purchase mortgages, please call (804) 323-6800 or (800) 285-6609 or get started by having a mortgage loan officer contact you.
VA Product Term Rate APR Points* 30 Year Fixed Rate 360 3.250%payment example 3.476% 0.683 30 Year Fixed Rate 360 3.500%payment example 3.654% -0.239 15 Year Fixed Rate 180 3.125%payment example 3.643% 1.420 15 Year Fixed Rate 180 3.500%payment example 3.821% 0.045 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. For more information about home purchase mortgages, please call (804) 323-6800 or (800) 285-6609 or get started by having a mortgage loan officer contact you.
No Closing Cost Refinance Fixed Rate Product Term Rate APR Points* 30 Year No Closing Cost Refinance Fixed Rate 360 4.000%payment example 4.220% 0.737 30 Year No Closing Cost Refinance Fixed Rate 360 4.250%payment example 4.412% 0.011 15 Year No Closing Cost Refinance Fixed Rate 180 3.250%payment example 3.720% 1.351 15 Year No Closing Cost Refinance Fixed Rate 180 3.750%payment example 4.005% -0.386 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. For more information about mortgage refinancing, please call (804) 323-6800 or (800) 285-6609 or get started by having a mortgage loan officer contact you.
Conventional Product Term Rate APR Points* 30 Year Fixed Rate 360 3.500%payment example 3.820% 1.511 30 Year Fixed Rate 360 3.750%payment example 3.951% 0.031 20 Year Fixed Rate 240 3.500%payment example 3.846% 0.631 20 Year Fixed Rate 240 3.500%payment example 3.846% 0.631 15 Year Fixed Rate 180 2.875%payment example 3.386% 1.147 15 Year Fixed Rate 180 3.125%payment example 3.471% -0.005 10 Year Fixed Rate 120 3.000%payment example 3.570% 0.316 10 Year Fixed Rate 120 2.750%payment example 3.592% 1.607 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. For more information about mortgage refinancing, please call (804) 323-6800 or (800) 285-6609 or get started by having a mortgage loan officer contact you.
Adjustable Rate Mortgage Product Term Rate APR Points* 10/1 ARM 360 4.000%payment example 4.388% 1.071 10/1 ARM 360 4.000%payment example 4.388% 1.071 7/1 ARM 360 3.500%payment example 4.177% 1.010 7/1 ARM 360 3.625%payment example 4.224% 0.858 5/1 ARM 360 3.250%payment example 4.181% 1.115 5/1 ARM 360 3.625%payment example 4.273% 0.575 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. For more information about mortgage refinancing, please call (804) 323-6800 or (800) 285-6609 or get started by having a mortgage loan officer contact you.
Checking Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Checking Plus $20 $1 0.05% 0.05% Checking Plus $20 $5000 0.40% 0.40% Enhanced Benefit Checking $20 $1 0.05% 0.05% Enhanced Benefit Checking $20 $5000 0.40% 0.40% Extra Credit Checking (ages 13-22)** $20 $1 0.05% 0.05% Extra Credit Checking (ages 13-22) $20 $5000 0.40% 0.40% Checking Rates Footnotes * APYs may change after account is opened. Fees may reduce earnings on your accounts. Please contact us if we can help you in any way. **Applicants under age 15 must have a joint owner on the account.
Regular Savings Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Regular Savings $5 $100 0.05% 0.05% Regular Savings $5 $500 0.30% 0.30% Regular Savings Rates Footnotes * APYs may change after account is opened. Fees may reduce earnings on your accounts. For Regular Savings there is no minimum balance to earn APY for members under age 23. Please contact us if we can help you in any way.
Money Market Savings Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Premium Money Market $10000 $100 0.05% 0.05% Premium Money Market $10000 $10000 0.85% 0.85% Premium Plus Money Market $25000 $100 0.05% 0.05% Premium Plus Money Market $25000 $25000 1.00% 1.00% Premium Plus Money Market $25000 $50000 1.05% 1.05% Premium Plus Money Market $25000 $100000 1.24% 1.25% Premium Plus Money Market $25000 $250000 1.49% 1.50% Money Market Savings Rates Footnotes * APYs may change after account is opened. Fees may reduce earnings on your accounts. Please contact us if we can help you in any way.
Savings Certificate Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* 6 month certificate** $500 $500 1.20% 1.20% 6 month certificate $5000 $5000 1.20% 1.20% 6 month certificate $50000 $50000 1.35% 1.35% 6 month certificate $100000 $100000 1.50% 1.51% 12 month certificate*** $500 $500 1.74% 1.75% 12 month certificate $5000 $5000 1.74% 1.75% 12 month certificate $50000 $50000 1.89% 1.91% 12 month certificate $100000 $100000 2.04% 2.06% 24 Month Certificate $500 $500 1.94% 1.95% 24 Month Certificate $5000 $5000 1.94% 1.95% 24 Month Certificate $50000 $50000 2.09% 2.11% 24 Month Certificate $100000 $100000 2.24% 2.26% 36 month certificate $500 $500 2.08% 2.10% 36 month certificate $5000 $5000 2.08% 2.10% 36 month certificate $50000 $50000 2.23% 2.26% 36 month certificate $100000 $100000 2.38% 2.41% 48 month certificate $500 $500 2.28% 2.30% 48 month certificate $5000 $5000 2.28% 2.30% 48 month certificate $50000 $50000 2.43% 2.46% 48 month certificate $100000 $100000 2.58% 2.61% 60 month certificate $500 $500 2.48% 2.50% 60 month certificate $5000 $5000 2.48% 2.51% 60 month certificate $50000 $50000 2.63% 2.66% 60 month certificate $100000 $100000 2.78% 2.81% Savings Certificate Rates Footnotes * A penalty may be imposed for early withdrawals. Fees may reduce earnings on your account. For more information, contact us. **If you desire an add-on feature for certificates of $50,000 or more, to make additional deposits to the certificate during its term, please contact us for rates. ***If you desire an add-on feature for certificates of $50,000 or more, to make additional deposits to the certificate during its term, please contact us for rates.
Individual Retirement Account Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* 12 month IRA $100 $100 1.74% 1.75% 12 month IRA $5000 $5000 1.74% 1.75% 12 month IRA $50000 $50000 1.89% 1.91% 12 month IRA $100000 $100000 2.04% 2.06% 18 month variable IRA $100 $100 1.79% 1.80% 18 month variable IRA $5000 $5000 1.79% 1.80% 18 month variable IRA $50000 $50000 1.94% 1.96% 18 month variable IRA $100000 $100000 2.09% 2.11% 24 month IRA $100 $100 1.94% 1.95% 24 month IRA $5000 $5000 1.94% 1.95% 24 month IRA $50000 $50000 2.09% 2.11% 24 month IRA $100000 $100000 2.24% 2.26% 36 month IRA $100 $100 2.08% 2.10% 36 month IRA $5000 $5000 2.08% 2.10% 36 month IRA $50000 $50000 2.23% 2.26% 36 month IRA $100000 $100000 2.38% 2.41% 48 month IRA $100 $100 2.28% 2.30% 48 month IRA $5000 $5000 2.28% 2.30% 48 month IRA $50000 $50000 2.43% 2.46% 48 month IRA $100000 $100000 2.58% 2.61% 60 month IRA $100 $100 2.48% 2.50% 60 month IRA $5000 $5000 2.48% 2.51% 60 month IRA $50000 $50000 2.63% 2.66% 60 month IRA $100000 $100000 2.78% 2.81% Individual Retirement Account Rates Footnotes * A penalty may be imposed for early withdrawals. Fees may reduce earnings on your account. For more information, contact us.
Health Savings Account Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Health Savings Account $5 $100 0.50% 0.50% 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.