Loan Rates

Loan TypesMaximum Term*APR (as low as)
New & Used Vehicles/Motorcycles78 months4.25%
Pre-Owned Vehicles/Motorcycles (7+y/o)72 months5.25%
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 months8.00%
Fresh Start (Jan-Mar)12 months6.00%
Vacation (Apr-Jun)12 months6.00%
Back to School (Jul-Sep)12 months6.00%
Christmas (Oct-Dec)12 months6.00%
Contract LoansContract18.00%
Non-Contract LoansSchool Year18.00%
Share Secured Savings10 years2.50%
Effective: 1-1-2020
*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.



Deposit Accounts

Deposit AccountsTermInterest Rate*APY
Regular Share/SavingsQuarterly0.35%0.35%
Certificates ($1k-$9,999.99)12 month1.10%1.10%
Certificates ($10k-$99,999.99)12 month1.25%1.25%
Certificates ($100k-$245k)12 month1.40%1.40%
Effective: 3/4/2020
*APY - Annual Percentage Yield
Minimum deposit to earn dividends:
- Savings $100
- Checking $500
- Standard Certificates $1,000