Car, Truck, SUV and Van Loan Rates
Rates Effective: April 1, 2015 Apply Online ›
TitleTermAPR* (as low as)
New and Used VehiclesUp to 48 months1.74%
New and Used VehiclesUp to 60 months1.99%
  • Longer terms available on qualifying loans.
  • Monthly payment per $1,000 borrowed for a 48-month term at 1.74% APR: $21.59.
  • Monthly payment per $1,000 borrowed for a 60-month term at 1.99% APR: $17.53.
First Time Auto Buyer Program Loan Rates
Rates Effective: April 1, 2015 Apply Online ›
TitleTerm APR*
New and Used VehiclesUp to 48 monthsAs low as 8.25%
New and Used VehiclesUp to 60 monthsAs low as 8.75%
  • Longer terms available on qualifying loans.
  • Monthly payment per $1,000 borrowed for a 48-month term at 6.49% APR: $23.72.
  • Monthly payment per $1,000 borrowed for a 60-month term at 6.99% APR: $19.81.
Motorcycle Loan Rates
Rates Effective: April 1, 2015 Apply Online ›
TitleTermAPR*
New and Used MotorcycleUp to 60 monthsAs low as 6.49%
New and Used Motorcycle Up to 84 monthsAs low as 7.24%
  • Monthly payment per $1,000 borrowed for a 60-month term at 6.49% APR: $19.57.
  • Monthly payment per $1,000 borrowed for a 84-month term at 7.24% APR: $15.22.
Credit Card Loan Rates
Rates Effective: April 1, 2015 Apply Online ›
TypeTermAPR (as low as)*
Platinum RewardsRevolving9.95%
PlatinumRevolving11.55%
AdvantageLine Loan Rates
Rates Effective: April 1, 2015 Apply Online ›
TermAPR† (as low as)
Self-replenishing8.95%
  • Up to $30,000 Quick cash at a reasonable rate or use as overdraft protection for checking.

*Annual Percentage Rate (APR) includes .25% discount for automatic transfer from a VCCU checking account. Variable rate subject to increase after account opening. Payment example: Assuming a $10,000 loan and 48-month term, the monthly payment would be $249.00

Signature/Lifestyle Loan Rates (Up to $30,000)
Rates Effective: April 1, 2015 Apply Online ›
TermAPR* (as low as)
Up to 60 months8.95%
  • Monthly payment per $1,000 borrowed for a 60-month term at 8.95% APR: $20.75.
Technology Loan Rates
Rates Effective: April 1, 2015 Apply Online ›
TitleTermAPR*
Computers, printers, televisions, mobile phones Up to 18 monthsAs low as 7.00%
SoftwareUp to 36 monthsAs low as 9.00%
  • Monthly payment per $1,000 borrowed for a 18-month term at 7.00% APR: $58.71.
  • Monthly payment per $1,000 borrowed for a 36-month term at 9.00% APR: $31.82.
ATV, Jet Ski and Dirt Bike Loan Rates
Rates Effective: April 1, 2015 Apply Online ›
TitleTermAPR*
New and UsedUp to 60 monthsAs low as 8.50%
  • Monthly payment per $1,000 borrowed for a 60-month term at 8.50% APR: $20.53.
Boat Loan Rates
Rates Effective: April 1, 2015 Apply Online ›
TitleTermAPR*
NewUp to 84 months As low as 9.00%
UsedUp to 84 monthsAs low as 9.50%
  • Longer terms available for new boat loans over $50,000.
  • Monthly payment per $1,000 borrowed for a 84-month term at 9.00% APR: $16.10.
  • Monthly payment per $1,000 borrowed for a 84-month term at 9.50% APR: $16.36.
RV, Travel Trailer or 5th Wheel Loan Rates
Rates Effective: April 1, 2015 Apply Online ›
TitleTermAPR*
NewUp to 180 monthsAs low as 8.50%
UsedUp to 180 monthsAs low as 9.50%
  • Shorter terms available on qualifying loans.
  • Monthly payment per $1,000 borrowed for a 180-month term at 8.50% APR: $9.86.
  • Monthly payment per $1,000 borrowed for a 180-month term at 9.50% APR: $10.45.
Share-secured and Certificate-secured Loan Rates
Rates Effective: April 1, 2015
TypeMaximumTermAPR
Share-securedTotal of regular shares on deposit12 months5.00%
Share-securedTotal of regular shares on deposit24 months5.50%
Share-securedTotal of regular shares on deposit36–60 months5.75%
Certificate-securedTotal of CertificateTerm of Certificate3.00% over Certificate face rate
  • Monthly payment per $1,000 borrowed for a 12-month term at 5.00% APR: $85.62.
  • Monthly payment per $1,000 borrowed for a 24-month term at 5.50% APR: $44.11.
  • Monthly payment per $1,000 borrowed for a 60-month term at 5.75% APR: $19.23.

 

*Rates subject to change without notice. The rate and terms for products are determined by the applicant’s credit, payment history, income and collateral. All loans subject to credit and collateral approval. *Annual Percentage Rate (APR) includes .25% discount for automatic transfer. Variable rate subject to increase after account opening. †Variable rate based on Prime Rate index as published in the Wall Street Journal, plus margin. Rates adjust quarterly.