Fund the Winter Fun
Your choice of options with affordable loan payments for any budget.
Winter Personal Loan
December 1, 2025
Apply Now: Winter Personal Loan Contact Us: Winter Personal Loan
Give yourself a gift this season
Now through January 31, 2026, enjoy 2% off your lowest qualifying rate, as low as 8.70% APR*. Use our Winter Loan for travel, to spruce up the home for the holidays or pay off higher-cost balances.
Choose your desired amount for a fixed monthly payment that fits your budget:
- $500 for just $44 per month**
- $1,000 for just $88 per month**
- $1,500 for $131 per month**
Act now – If you need cash for your gift giving plans or any other year-end needs, use our affordable Winter Loan so the payments don’t last longer than the gifts.
Apply online for your Winter Loan or at a local VCCU branch near you.
*Annual Percentage Rate (APR) is effective 12/1/2025 and includes a 0.25% discount for automatic transfer. This promotional rate is subject to change. This is an offer to apply and cannot be used in conjunction with any preapproval offers. All loans are subject to credit approval. APR you receive will be based upon your creditworthiness. Verification of income may be required. Other restrictions may apply. Promotional offer may end at any time and cannot be used to refinance existing loans. Terms up to 60 months are available on higher amounts. Not valid after January 31, 2026.
**Monthly payment examples based on 12-month term at 8.70% APR:
- $500 = $43.66/month
- $1,000 = $87.31/month
- $1,500 = $130.97/month