Loan Rates

Loan TypesMaximum Term*APR (as low as)
New & Used Vehicles/Motorcycles78 months5.30%
Pre-Owned Vehicles/Motorcycles (7+y/o)72 months6.30%
New & Used RV/Marine84 months6.75%
Pre-Owned RV/Marine (7+y/o)72 months7.75%
New & Used Other Titles78 months7.75%
Pre-Owned Other Titles (7+y/o)72 months8.75%
Personal Loans48 months8.00%
Fresh Start (Jan-Mar)12 months7.00%
Vacation (Apr-Jun)12 months7.00%
Back to School (Jul-Sep)12 months7.00%
Christmas (Oct-Dec)12 months7.00%
Quick Cash Loans12 months18.00%
Credit Builder Loans12 months10.00%
Share Secured Savings10 years2.50%
Effective: 1-1-2023
*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.