Rates
Deposit Rates
| Deposit Accounts | Term | Interest Rate | **APY |
|---|---|---|---|
| Regular Share/Savings | Quarterly | 0.05% | 0.05% |
| Checking | Monthly | 0.05% | 0.05% |
| Certificates ($1K- $9,999.99) | 6 months | 3.29% | 3.34% |
| Certificates ($10K- $99,999.99) | 6 months | 3.39% | 3.45% |
| Certificates ($100K- $245K) | 6 months | 3.51% | 3.57% |
| Certificates ($1K- $9,999.99) | 12 months | 3.66% | 3.73% |
| Certificates ($10K- $99,999.99) | 12 months | 3.76% | 3.83% |
| Certificates ($100K- $245K) | 12 months | 3.88% | 3.96% |
| Certificates ($1K- $9,999.99) | 24 months | 3.20% | 3.25% |
| Certificates ($10K- $99,999.99) | 24 months | 3.30% | 3.36% |
| Certificates ($100K- $245K) | 24 months | 3.42% | 3.48% |
| Certificates ($1K- $9,999.99) | 36 months | 3.17% | 3.22% |
| Certificates ($10K- $99,999.99) | 36 months | 3.27% | 3.32% |
| Certificates ($100K- $245K) | 36 months | 3.39% | 3.44% |
| Certificates ($1K- $9,999.99) | 60 months | 2.97% | 3.01% |
| Certificates ($10K- $99,999.99) | 60 months | 3.07% | 3.11% |
| Certificates ($100K- $245K) | 60 months | 3.19% | 3.24% |
Loan Rates
| Loan Types | Maximum Term | *APR (as low as) |
|---|---|---|
| New & Used Vehicles/Motorcycless | 78 months | 5.26% |
| Pre-Owned Vehicles/Motorcycles (7+y/o) | 72 months | 6.26% |
| New & Used RV/Marine | 84 months | 6.96% |
| Pre-Owned RV/Marine (7+y/o) | 72 months | 8.96% |
| New & Used Other Titles | 78 months | 8.70% |
| Pre-Owned Other Titles (7+y/o) | 72 months | 10.70% |
| Personal Loans | 48 months | 9.96% |
| New Year (Jan-Mar) | 12 months | 8.96% |
| Vacation (Apr-Jun) | 12 months | 8.96% |
| Back to School (Jul-Sep) | 12 months | 8.96% |
| Christmas (Oct-Dec) | 12 months | 8.96% |
| Quick Cash Loans | 12 months | 18.00% |
| Credit Builder Loans | 12 months | 18.00% |
| Share Secured Savings | 10 years | 2.50% |
Effective: 08-16-2025
*APR - Annual Percentage Rate (fixed)
All approvals based on credit union policies and guidelines.
Further discounts may be taken off the rate of select loans by having a VTFCU checking account and setting up an
automated payment.