Loan Rates and Deposit Accounts


Effective 8-1-2019
Loan TypesMaximum Term*APR (as low as)
New & Used Vehicles/Motorcycles78 months3.79%
Pre-Owned Vehicles/Motorcycles (7+y/o)72 months5.09%
New & Used RV/Marine84 months5.74%
Pre-Owned RV/Marine (7+y/o)72 months7.74%
New & Used Other Titles78 months6.74%
Pre-Owned Other Titles (7+y/o)72 months8.74%
Personal Loans48 months4.74%
Vacation Loans12 months4.50%
Christmas Loans12 months4.50%
Contract LoansContract18.00%
Non-Contract LoansSchool Year18.00%
Share Secured Savings10 years2.50%
*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.

Effective 8-1-2019
Deposit AccountsTermInterest Rate*APY
Regular Share/SavingsQuarterly0.35%0.35%
CheckingMonthly0.35%0.35%
Certificates ($1k-$9,999.99)12 month1.75%1.76%
Certificates ($10k-$99,999.99)12 month2.00%2.01
Certificates ($100k-$245k)12 month2.40%2.42%
*APY - Annual Percentage Yield

Minimum deposit to earn dividends:
- Savings $100
- Checking $500
- Standard Certificates $1,000