VAPR Federal Credit Union ::

	Report as January 1, 2023
Regular Shares		Annual Dividend	APY
Balances:
$25.00 - $24,999		0.00%	0.00%
$25,000 or more		0.05%	0.05%

Checking Accounts		Annual Dividend
		0.00%	0.00%
Saving Certificate		Annual Dividend
3 Months		.05%	.05%
6 Months		.05%	.05%
12 Months		2.00%	2.02%
36 Months		2.50%	2.53%
48 Months		2.75%	2.78%
60 Months		3.00%	3.04%
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 5.25%**** - 18.00% *
Credit Line		From 10.49% - 12.45%
Checking Account Reserve		From 10.49% - 12.45%
Personal Secured Loan		6.25%****
New Auto Loan		From 2.99***% -13.50%
Used Auto Loan		From 4.99%**** -14.75% *
Secured with Shares		3.00%**
Land Loan		7.50%
Mastercard		Cash Advances from 10.49% Merch. & Serv. from 8.49% New Accounts: 1.99% Merch., Serv. & Transfers for six month****
Mastercard (Students)		Cash Advances from 8.53% * Merch. & Serv. from 6.53% *

It's subject to change without prior notice.
* Restrictions may apply. Subject to credit approval.
** Over dividend %
*** First year

****Special rate valid from January 1, 2023.

Interest Rates