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.
Mastercard
from
1.99%
APR*
*Oferta en cuentas nuevas, primeros seis meses, válida hasta el 30/9/26
Tasas de interés vigentes hasta el 30 de septiembre de 2026
Regular Shares
Balance
Annual Dividend
APY
$25.00 – $24,999
0.00%
0.00%
$25,000 o más
0.05%
0.05%
Checking Account
Annual Dividend
APY
0.00%
0.00%
Savings Certificates
Balance
Annual Dividend
APY
12 months
3.25%
3.30%
18 months
3.10%
3.14%
24 months
3.00%
3.04%
30 months
3.00%
3.04%
36 months
3.00%
3.04%
48 months
3.00%
3.04%
60 months
3.00%
3.04%
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
Annual Dividend
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
5.25%****
New Cars
From 3.75%**** -13.75% *
Used Cars
From 5.25%**** -16.75% *
Warranty with Shares
3.00%**
Non-Conforming Mortgage
From 5.25%
Land Loans
7.50%
Solar Panel Loans
From 4.95%
Mastercard
Cash Advance from 10.49%
Merchandise and Service from 8.49%
New Accounts: 1.99% APR in Merchandise, Service and Transfers for the first six months****
Student Mastercard
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 September 30, 2026. Certain restrictions may apply. Subject to credit approval.