Effective 1-1-2020
| Loan Types | Maximum Term | *APR (as low as) |
|---|---|---|
| New & Used Vehicles/Motorcycles | 78 months | 4.25% |
| Pre-Owned Vehicles/Motorcycles (7+y/o) | 72 months | 5.25% |
| New & Used RV/Marine | 84 months | 5.74% |
| Pre-Owned RV/Marine (7+y/o) | 72 months | 7.74% |
| New & Used Other Titles | 78 months | 6.74% |
| Pre-Owned Other Titles (7+y/o) | 72 months | 8.74% |
| Personal Loans | 48 months | 8.00% |
| Fresh Start (Jan-Mar) | 12 months | 6.00% |
| Vacation (Apr-Jun) | 12 months | 6.00% |
| Back to School (Jul-Sep) | 12 months | 6.00% |
| Christmas (Oct-Dec) | 12 months | 6.00% |
| Contract Loans | Contract | 18.00% |
| Non-Contract Loans | School Year | 18.00% |
| Share Secured Savings | 10 years | 2.50% |
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
Effective 1-1-2020
| Deposit Accounts | Term | Interest Rate | *APY |
|---|---|---|---|
| Regular Share/Savings | Quarterly | 0.35% | 0.35% |
| Checking | Monthly | 0.35% | 0.35% |
| Certificates ($1k-$9,999.99) | 12 month | 1.50% | 1.51% |
| Certificates ($10k-$99,999.99) | 12 month | 1.65% | 1.66% |
| Certificates ($100k-$245k) | 12 month | 1.80% | 1.81% |
Minimum deposit to earn dividends:
- Savings $100
- Checking $500
- Standard Certificates $1,000
