All fixed rate loans not secured by a residence qualify for an additional 0.25% discount for an automatic payment from a VCCU account and an additional 0.25% discount for an active checking account in good standing.
| Type | APR* Rate | |||
| Auto, Truck, Van | 36 mo. | 48 mo. | 60 mo. | 72 mo. |
| 2012-2011 Model Year | ||||
| 0% down | 4.90% | 4.90 % | 4.90% | 4.90 % |
| 10% down | 4.40% | 4.40% | 4.40% | 4.40% |
| 2010-2008 Model Year | ||||
| 0% down | 5.50% | 5.90% | 6.30% | 6.45% |
| 10% down | 5.10% | 5.50% | 5.90% | 6.05% |
| 2007-2006 Model Year | ||||
| 5% down | 5.65% | 5.95% | 6.35% | 6.50% |
| 15% down | 5.20% | 5.65% | 6.05% | 6.20% |
| 2005 -2004 Model Year | ||||
| 5% down | 5.80% | 6.15% | 6.35% | --- |
| 15% down | 5.50% | 5.85% | 6.05% | --- |
| 2003 and older Model Years | ||||
| 15% down | 6.15% | 6.35% | 6.80% | --- |
| 25% down | 5.85% | 6.05% | 6.55% |
--- |
| New Recreational, Snowmobile, ATV, etc | ||||
| Max term 60 months | 100% down 90% down |
6.50% 6.20% |
||
| Used Recreational, Snowmobile, ATM, etc | ||||
| Max term 60 months | 90% down 80% down |
7.10% |
||
| New Boat, Motor Trailer | ||||
| Max term 84 months | 0% down 15% down |
6.20% 5.85% |
||
|
Used Boat, Motor Trailer |
||||
|
Max term 60 months |
5% down |
6.45% |
||
|
New Motorcycle |
||||
|
Max term 72 months |
10% down 25% down |
6.00% 5.75% |
||
|
Used Motorcycle |
||||
|
Max term 54 months |
20% down | 6.65% | ||
|
New Motorhome, Travel Trailer & Camper |
||||
| Max term 120 months | 6.20% | |||
|
Used Motorhome, Travel Trailer & Camper |
||||
|
Max term 96 month |
6.80% | |||
|
Real Estate |
||||
| 3 Year Balloon | 4.74% | |||
| 5 Year Balloon | 5.24% | |||
|
7 Year Balloon |
5.74% | |||
| 10 Year Fixed Amortized | 5.49% | |||
|
15 Year Fixed Amortized |
5.99% | |||
| Home Equity LOC | ||||
| 5 Year Draw Period - 10 Year Balloon | 6.00% | |||
| Variable Rate Loan | ||||
|
Max term 60 months |
8.00% |
|||
|
Share Savings Secured |
||||
| 5.00% | ||||
| Share Certificate Secured | ||||
| 5.00% | ||||
| Signature Loans | ||||
|
(loans of $3,000.00 or more eligible for variable rate option) |
$500.00 - 2,999.99 |
9.50% |
||
|
Balloon Loan |
||||
| Max term 180 days |
$500.00 - 2,999.99 |
9.50% |
||
| Overdraft Loan | ||||
| 10.00% | ||||
*APY = Annual Percentage Rate
