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. In the following table you will find our interest offer at this time.
| Regular Shares Balances | 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 | Annual Dividend | APY |
|---|---|---|
| 12 months | 4.00% | 4.07% |
| 18 months | 3.75% | 4.07% |
| 24 months | 3.50% | 3.56% |
| 30 months | 3.50% | 3.56% |
| 36 months | 3.25% | 3.30% |
| 48 months | 3.25% | 3.30% |
| 60 months | 3.15% | 3.20% |
| IRA'S | Annual Dividend | APY |
|---|---|---|
| 12 months | .25% | .25% |
| 24 months | .35% | .35% |
| 36 months | .45% | .45% |
| 60 months | .65% | .65% |
| 120 months | .90% | .90% |
| Loans | APR |
|---|---|
| Personal | From 6.25%**** - 18.00% * |
| Personal- Convenient | 8.00% |
| Credit Line | From 10.49% - 12.45% |
| Checking Account Reserve | From 10.49% - 12.45% |
| Personal with Mortgage Warranty | 6.25%**** |
| New Cars | From 3.99%**** -13.75% * |
| Used Cars | From 6.99%**** -16.75% * |
| Warranty with Shares | 3.00%** |
| Non-Conforming Mortgage | From 6.25% |
| 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**** See disclosures HERE. |
| Student Mastercard | Cash Advance from 8.53% *** Merchandise and Service from 6.53% *** See disclosures HERE. |
| Commercial Financing - Trucks | From 6.50% |
Subject to change without notice.
* Certain restrictions may apply. Subject to credit approval.
** Above the dividend percentage
*** First year
****Special rate valid from August 1 to October 31, 2024.
