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Rates

Personal Accounts
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IRAs
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Loans
Home Loans
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Auto Loans

For auto loans on cars and trucks.

Term APR as low as*
Up to 66 months 5.49%
*APR means Annual Percentage Rate. Approximate loan payment and loan amount is $615.58on a $35,000 new auto loan with a 66-month term at 5.49%. Rates and terms may vary based on credit worthiness and age of vehicle. Not all applicants will qualify for the lowest rate. Effective October 24, 2025.

Recreational Vehicle Loans

For motorcycles, RVs, dirt bikes, ATVs, boats, and jet skis.

Term APR as low as*
Up to 72 months 7.00%
*APR means Annual Percentage Rate. Approximate loan payment and loan amount is $255.73on a $15,000 new auto loan with a 72-month term at 7.00%. Rates and terms may vary based on credit worthiness and age of vehicle. Not all applicants will qualify for the lowest rate. Effective October 22, 2025.

Mortgages

Please call 800-666-8811 for our current rates.

Home Equity Line of Credit (1st and 2nd Lien)

Introductory Annual Percentage Rate (APR) Standard Annual Percentage Rate (APR)
5.99% APR for the first 12 billing cycles* As low as 7.25%
*Introductory rate of 5.99% APR for the first 12 months after account opening and then after that, a variable rate ranging from 7.25% – 18% APR based on the Prime Rate and other criteria. Listed APR range is current based on Prime Rate as of 10/07/2025 and APR will never be more than 18%. Your qualifying APR is determined based on our internal credit criteria, loan to value (LTV), credit rating and other factors. LTV may not exceed 90%. Property insurance is 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 loan amount is $20,000. Contact us for other options, current rates and information.

Home Equity Loans (2nd Lien)

Annual Percentage Rate (APR)***
as low as 7.50%
***Rate effective as of 10/08/2025. 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. Maximum APR is 18%.

Personal Loans

Type Term Annual Percentage Rate (APR)*
Personal Loan Up to 60 months 10.24% – 17.24%
MoneyLine Line of Credit N/A 11.99% – 17.99%
*APR means Annual Percentage Rate. Approximate loan payment and loan amount is $253.28 on a $10,000 loan with a 60-month term and a 17.24% APR. The rate and term may vary depending on each individual’s credit history and underwriting factors. Not all applicants will qualify for the lowest rate. Other restrictions may apply. Rates Effective October 22, 2025.