In the following table you will find our interest offer at this time.
At VAPR Federal Credit Union we always offer the best interest rate we can provide to our members to help them achieve their financial goals.
Interest rates in effect until November 30, 2026
Regular Shares
Balance
Annual Dividend
APY
$25.00 – $24,999
0.00%
0.00%
$25,000 or more
0.05%
0.05%
Checking Account
Annual Dividend
APY
0.00%
0.00%
Savings Certificates
Balance
Annual Dividend
APY
12 months
3.40%
3.45%
18 months
3.25%
3.30%
24 months
3.30%
3.35%
36 months
3.30%
3.35%
48 months
3.50%
3.56%
60 months
3.50%
3.56%
IRA’S
Term
Annual Dividend
APY
12 months
3.25%
3.30%
18 months
2.85%
2.88%
24 months
2.75%
2.78%
36 months
2.75%
2.78%
60 months
2.25%
2.27%
120 meses
2.00%
2.02%
Loans
Type
APR
Personal
From 5.95%**** – 18.00% *
Personal- El Conveniente
8.95%
Credit Line
From 10.49% – 12.45%
Checking Account Reserve
From 10.49% – 12.45%
Personal with Mortgage Warranty
6.75%****
New Cars
From 4.75%**** -13.75% *
Used Cars
From 5.99%**** -16.75% *
Warranty with Shares
3.00%**
Non-Conforming Mortgage
From 6.75%
Land Loans
7.50%
Solar Panel Loans
From 4.95%
Mastercard
- Merchandise and Service from 8.49%
- Cash Advance from 10.49%
- New accounts: 1.99% APR in Merchandise, Service and Transfers for the first six months****
Student Mastercard
- Merchandise and Service from 6.53% ***
- Cash Advance from 8.53% ***
Commercial Financing – Trucks
From 5.99%
Subject to change without notice.
* Certain restrictions may apply. Subject to credit approval.
** Above the dividend percentage
*** First year
****Special rate valid until November 30, 2026. Subject to credit approval and meeting the criteria established by VAPRFCU.