Rates

Loan Rates ~ Effective January 1, 2018
Loan Type APR* Daily Periodic Rate
New Vehicle as low as 1.99% .00545205%
Used Vehicle as low as 1.99% .00545205%
RVs & Boats (new/used) as low as 5.00% .01369863%
New /Used Motorcycles as low as 5.00% .01369863%
Personal Loan (up to $15,000) as low as 8.90% .0298630%
Share Secured 5.00% .0136986%
VISA Classic Card ($500 – $7,500) 10.90% .0298630%
VISA Platinum Card ($5,000-$10,000) 6.99% .0191506%
*APR=Annual Percentage Rate. Your loan rate and term may vary depending on individual credit history and underwriting factors. In some cases, we may be able to offer rates lower than the above stated rates. Read the full VISA Credit Card Disclosures.
Home Equity Rates ~ Effective March 29, 2014
Loan Type APR* Daily Periodic Rate
Home Equity Line of Credit Call VITAL FCU for current rates
*APR=Annual Percentage Rate. Your loan rate and term may vary depending on individual credit history and underwriting factors.
Savings Rates ~ Effective November 15, 2016
Account Type Balance to Earn APY Dividend Rate APY*
Regular Shares $500.00 0.25% .25%
IRA Share Balances up to $9,999,999.99 0.25% .25%
Elite Checking $150.00 – $2,499.00 0.25% .25%
$2,500.00 – $14,999.00 0.35% .35%
$15,000 – $24,999 0.35% .36%
Balances over $25,000 0.45% .45%
Christmas Club Balances up to $9,999,999.99 0.25% .25%
Checking $150.00 0.25% .25%
Roth & Coverdell IRA none 0.25% .25%
*APY=Annual Percentage Yield. Rates may change after time of account opening. Fees may reduce the earnings on accounts. Please see our Truth in Savings or Contact the union for full account requirements and fees. A penalty may be imposed for early withdrawal. Rates subject to change.
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Share Certificate Rates ~ Effective November 15, 2016
Account Type Minimum Deposit Dividend Rate APY*
12 Month Share Certificate $500 1.00% 1.00%
24 Month Share Certificate $500 1.25% 1.25%
36 Month Share Certificate $500 2.00% 2.01%
12 Month IRA Share Certificate $500 1.00% 1.00%
24 Month IRA Share Certificate $500 1.25% 1.25%
36 Month IRA Share Certificate $500 2.00% 2.01%
*APY=Annual Percentage Yield. Please see our Truth in Savings or Contact the union for full account requirements and fees. A penalty may be imposed for early withdrawal. Rates subject to change.
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Subject to Credit Approval. Terms and Conditions subject to change without notice.

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