New Autos, Motorcycles & Recreational Vehicles $20,000 Min.
72 months
5.25%
New Autos, Motorcycles & Recreational Vehicles < $20,000
60 months
5.25%
Used Autos, Motorcycles & Recreational Vehicles:
2005 and Newer Model 2003-2004 Model 2002 and Older Models
60 months 60 months 48 months
6.50% 7.00% 10.00%
New Travel Trailer, Boat, Motor & Trailer
72 months
6.50%
Used Travel Trailer, Boat, Motor & Trailer:
2005 and Newer Model
2003-2004 Model
2002 and Older Models
48 months
48 months
48 months
8.00%
8.00%
9.00%
Antique Vehicles
60 months
9.00%
E.Z. Money Line of Credit
48 months
11.90%
Vacation Loan (up to $3,000)
12 months
9.00%
All Other Advances
48 months
12.90%
Certificate Secured Loans
Certificate Rate +
1.00%
Fully Shared Secured $2,500 or more
36 months
7.50%
Business Consumer
Terms varies depending on loan type
9.00%
VISA Classic Credit Card
12.60%
VISA Gold Credit Card
10.88%
In-House Real Estate Loans
APR
Origination Fee
15 year fixed
6.00%
0.00%
20 year fixed
6.25%
0.00%
Home Equity Adjustable
5.75%
0.00%
15 Year Adjustable
5.75%
0.00%
Business Real Estate Loans
12 year fixed
Prime + 1.00%
0.00%
Construction
7.50%
0.00%
Note: Rates given apply to Savings Certificate and IRA Certificate accounts, including Traditional, Roth, and Education IRAs. There is a $500 minimum opening deposit for all certificates. Rates are subject to change without notice. Dividends are calculated based on the average daily balance and are compounded and credited quarterly. When applicable, regular CD's also have the option of receiving dividends paid monthly by check or deposit into designated VCU account. Early withdrawal penalties may apply. All accounts are federally insured by the National Credit Union Administration.
