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802/800 371-5162
Consumer Loan Rates
Rates Effective:
Friday, July 03, 2009
Rates, programs and indices are subject to change without notice.
Last Updated: Thursday, March 19, 2009
Use our Personal Loan Calculator to
determine monthly payments.
Apply for a Loan today!
|
Term Up To: |
Annual Percentage Rate
As Low As* |
|
|---|---|---|
24 Months |
3.84% |
|
36 Months |
4.64% |
|
48 Months |
5.29% |
|
60 Months |
5.89% |
|
72 Months |
6.39% |
|
Term Up To: |
Annual Percentage Rate
As Low As* |
|---|---|
60 Months |
9.90% |
|
Term Up To: |
Annual Percentage Rate As Low As* |
|---|---|
60 Months |
8.25% |
|
Type: |
Annual Percentage Rate |
|---|---|
Share Secured |
2.75%, *See Notes |
Certificate Secured |
Term
| Annual Percentage Rate |
|---|---|
12 Months |
7.00% |
|
Term Up To: |
Annual Percentage Rate
As Low As* |
|---|---|
60 Months |
8.90% |
Use our Personal
Loan Calculator to estimate your monthly payments.
Apply for a Loan today!
| Annual Percentage Rate As Low As* | 14.00% |
|---|---|
| Daily Periodic Rate: | N/A |
On Demand Credit Line advances will be given in increments of
$50. Your minimum monthly payment is 5% of the total balance at the time of the
most recent advance or $25 whichever is greater.
Apply for On Demand Credit Line using our Consumer Loan application.
Additional Information
The Annual Percentage Rates (APRs) shown above reflect the current minimum APR offered. The APR may be adjusted based on individual credit standing, term loan-to-value, debt-to-income ratio and aggregate credit score. Please contact a loan officer to determine the rate and term for which you qualify and for a full description of account terms and conditions.
Secured Loans / Signature Loans / Share or Certificate Secured Loans / Fuel Assistance Loans / On Demand Credit Line fall under our open-end plan agreement. For more about the open-end plan, see information and instructions on VSECU's LOANLINER Lending System. The terms noted are used solely to determine periodic payments.
- Maximum LTV: 50% Market Value of American Stock Exchange or Over the Counter or 70% Market Value of New York Stock Exchange.
- Terms of repayment: A loan of $10,000 financed for 60 months at 8.25% APR would result in 60 payments of $204.09, totaling $12,245.40.
Energy Improvement Loans, terms of repayment: A loan of $10,000 financed for 60 months at 8.75% APR (current minimum APR offered) would result in 60 payments of $206.52, totaling $12,347.67.
Other rates and terms are also available. For more information call the VSECU at 802/800 371-5162 or email us. (Please do not send any sensitive information via email.)
