Personal Loan Rates

Unsecured Loan 1,2

Terms up to

APR as low as

APR = annual percentage rate, effective as of 01/02/2017 and reflects the current minimum APR offered.

Terms up to

60 months

APR as low as

9.90%

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Deposit Secured Loans 1,3

Type

Terms up to

APR

APR = annual percentage rate, effective as of 01/02/2017 and reflects the current minimum APR offered.

Type

Savings Secured

Terms up to

180 months

APR

3.10%

Type

Certificate Secured

Terms up to

180 months

APR

3% above certificate rate

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Payday Loan Alternative 1,4

Loan Amount

Term

APR

APR = annual percentage rate, effective as of 12/10/2019 and reflects the current minimum APR offered.

Loan Amount

$520

Term

5 months

APR

18%

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On Demand Line of Credit 5

Type

APR

APR = annual percentage rate, effective as of 03/06/2020 and reflects the current minimum APR offered.

Type

On Demand Credit Line

APR

14.00%

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Disclosures

1
– Other rates and terms may be available. APR may be adjusted based on your individual credit standing and term.
2
– Payment example: $10,000 loan for 60 months at 9.90% APR will have a monthly payment of $212.00.
3
– Payment example: $1,000 loan for 12 months at 3.10% APR will have a monthly payment of $85.00.
4
– The 18% interest rate and an automatic $20 processing fee included in the required loan amount result in a 32% APR. Payment Example: a $520 loan for 5 months will result in a $109.50 monthly payment. A maximum of two loans are allowed per 180-day period. Payment by automatic transfer from a VSECU account is required.
5
– This is a line of credit and when activated the monthly minimum payment is equal to 5% of the balance or $25, whichever is greater.