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Swap Your Loan

Transfer your auto or personal loan to Member One and you could save up to 2%* on your interest rate. Plus, you won’t have to make a payment for 90 days.

Term APR as low as**
Up to 84 months [Auto Loan] 4.99%
Up to 60 months [Personal Loan] 4.99%
*APR means Annual Percentage Rate. Approximate loan payment at 4.99% is $425.68 on a $30,000 loan with an 84-month term. This is a deferred payment option. Interest begins to accrue at loan disbursement. Deferred payment options may not apply to all loan products. Discounts/savings based on your current rate at another institution. Any available discounts “up to 2%” may be applied to your current APR. Discounts may vary based on loan type and creditworthiness. Discounts are not applicable for home equity, mortgage, credit card loans, or existing Member One or Virginia Credit Union loans. Floor rate is 4.99%. Please call 800-666-8811 for a full list of restrictions that may apply. Not all applicants will qualify for the lowest rate. Programs, rates, terms, and conditions are subject to change without notice. **Loan must have 90 days of payment history on credit report. Terms will vary based on year of the vehicle. Effective February 1, 2025.

Auto Loans

For auto loans on cars and trucks.

Term APR as low as*
Up to 66 months 6.00%
*APR means Annual Percentage Rate. Approximate loan payment and loan amount is $536.08 on a $30,000 new auto loan with a 66-month term at 6.00%. Rates and terms available for vehicles with up to 175,000 miles. Rates and terms may vary based on credit worthiness and age of vehicle. Not all applicants will qualify for the lowest rate. Effective November 11, 2024.

Recreational Vehicle Loans

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

Term APR as low as*
Up to 72 months 7.50%
*APR means Annual Percentage Rate. Approximate loan payment and loan amount is $260.14 on a $15,000 loan with a 72-month term at 7.50%. Rates and term may vary based on credit worthiness and age of vehicle. Not all applicants will qualify for the lowest rate. Effective November 11, 2024.

Mortgages

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

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

Introductory APR Standard APR
6.24% APR for the first 12 billing cycles* As low as 7.50%
*APR means Annual Percentage Rate. As of October 21, 2024, the current APR is 6.24% and effective for one year following consummation; thereafter, the APR will adjust quarterly based on the index plus up to 2.00%. The index is the highest prime rate published in the Money Rates column of the Wall Street Journal. The minimum APR that may apply is 3.5%. The maximum APR that may apply is 15.00%. As of January 1, 2025, the prime rate is 7.50%. Fees vary for loans in excess of $100,000. After one year, the APR will convert to Prime Rate for loan-to-value below 80%; Prime Rate +1% for loan-to-value between 80% and 90%; or Prime Rate +2.00% for loan-to-value over 90%. If the line of credit is not repaid after 10 years, the line will convert to a variable rate loan at rates applicable at that time with the payment set to pay off the remaining balance in 15 years. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. Property insurance is required. Approval subject to loan and property value, creditworthiness, and underwriting.

Home Equity Loans (2nd Lien)

Term Annual Percentage Rate (APR)*
5-20 years as low as 7.00%
*APR means Annual Percentage Rate. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice. Approval subject to loan and property value, creditworthiness, and underwriting. At current APR and based on $100,000 borrowed, estimated monthly payment is $1,980.44 for 5 years, $1,161.39 for 10 years, $899.14 for 15 years, and $775.62 for 20 years. Origination and other fees, and loan amount may affect the APR. Not all applicants will qualify for the lowest rate. As low as APR includes 0.50% discount for automatic payments. Rates effective March 3, 2025.

Personal Loans

Type Term Annual Percentage Rate (APR)*
Personal Loan Up to 60 months 10.74% – 17.74%
MoneyLine Line of Credit N/A 11.99% – 17.99%
*APR means Annual Percentage Rate. Approximate loan payment and loan amount is $254.30 on a $10,000 loan with a 60-month term and a 17.74% 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 November 11, 2024.