VAPR Federal Credit Union ::

	Report as January 1, 2021
Regular Shares		Annual Dividend	APY
Balances:
$25.00 - $2,999		0.00%	0.00%
$3000 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		.15%	.15%
24 Monts		.30%	.30%
60 Months		.65%	.65%
IRA'S		Annual Dividend	APY
12 & 18 Months		.40%	.40%
24 Months		.55%	.55%
30, 36 & 48 Months		.55%	.55%
60 Months		.90%	.90%
120 Months		1.10%	1.10%
Loans		APR
Personal		From 4.75%**** - 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 2.49***% -13.50%
Used Auto Loan		From 3.89%**** -14.75% *
Secured with Shares		3.00%**
Land Loan		7.50%
MasterCard		Cash Advances from 10.49% Merch. & Serv. from 8.49%
Master Card (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 until February 28, 2021

Interest Rates