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Virginia Credit Union and Member One Federal Credit Union announce intent to merge. Learn more.

Rates

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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 $423.86 on a $30,000 loan with an 84-month term. This is a deferred payment option. Interest charges still apply. Interest will begin 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 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 January 3, 2024.

Auto Loans

For auto loans on cars and trucks.

Term APR as low as*
Up to 66 months 6.75%
*APR means Annual Percentage Rate. Approximate loan payment and loan amount is $545.37 on a $30,000 new auto loan with a 66-month term at 6.75%. 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 January 3, 2024.

Recreational Vehicle Loans

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

Term APR as low as*
Up to 72 months 7.75%
*APR means Annual Percentage Rate. Approximate loan payment and loan amount is $261.22 on a $15,000 loan with a 72-month term at 7.75%. Rates and term may vary based on credit worthiness and age of vehicle. Not all applicants will qualify for the lowest rate. Effective April 5, 2023.