Real Estate Loans
Visa Card Rates
New and Used Automobile Rates
Personal, Share Secured or Certificate Secured, and Payday Alternative Rates
E-Bike Rates
New and Used Recreational Vehicle Rates
New and Used Motorcycle Rates
New Watercraft Rates
Student Loans
Real Estate Loans
| Type of Loan | Annual Percentage Rate | |
|---|---|---|
| Fixed Rate First Mortgages | Click to Learn More or Apply | |
| Fixed Rate Home Equity Loans | Call, Email, or Text | |
| Variable Rate Home Equity Line of Credit (HELOC) | Call, Email, or Text |
| Type of Loans | |
|---|---|
| Fixed Rate First Mortgages | |
| Annual Percentage Rate | |
| Click to Learn More or Apply | |
| Fixed Rate Home Equity Loans | |
| Annual Percentage Rate | |
| Call, Email, or Text | |
| Variable Rate Home Equity Line of Credit (HELOC) | |
| Annual Percentage Rate | |
| Call, Email, or Text | |
Visa Card Rates
| Type of Card | Interest Rates and Charges | |
|---|---|---|
| Visa Classic or Platinum | Click for Visa Info and Rates |
| Type of Card | |
|---|---|
| Visa Classic or Platinum | |
| Interest Rates and Charges | |
| Click for Visa Info and Rates | |
New and Used Automobile Rates
| Length of Repayment (1) | Annual Percentage Rate | |
|---|---|---|
| 36 months | 4.99%* | Apply Now |
| 48 months | 5.09%* | Apply Now |
| 60 months | 5.19%* | Apply Now |
| 72 months | 5.45%* | Apply Now |
| 84 months | 6.05%* | Apply Now |
| Length of Repayment (1) | |
|---|---|
| 36 Months | |
| Annual Percentage Rate | 4.99%* |
| 48 Months | |
| Annual Percentage Rate | 5.09%* |
| 60 Months | |
| Annual Percentage Rate | 5.19%* |
| 72 Months | |
| Annual Percentage Rate | 5.45%* |
| 84 Months | |
| Annual Percentage Rate | 6.05%* |
| Apply Now | |
Terms and Conditions:
On approved credit, the Credit Union will finance up to 100% of the purchase price of new vehicles and 100% of the Kelley Blue Book retail value for used vehicles.
1. 72 month financing available for loans of $20,000 or more; 84 month financing available for loans of $30,000 or more. The minimum payment will always be $125.00.
*Annual Percentage Rate shown is our lowest available and reflects a .25% rate discount for electronic repayment. All loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate shown.
Receive 0.5% rate discount for EV, hybrid, or zero emissions vehicle.
Personal, Share Secured or Certificate Secured, and Payday Alternative Rates
| Type of Loan | Maximum Amount | Maximum Term (in months) | Annual Percentage Rate | |
|---|---|---|---|---|
| Personal | $20,000 | Up to 72 Months | 9.74%* | Apply Now |
| Share Secured | (2) | 10 Years | 5.90% | Apply Now |
| Share Certificate Secured | (3) | 10 Years | (4) | Apply Now |
| Payday Alternative (5) | $1,000 | Up to 6 Months | 28.00% | Apply Now |
| Type of Loan | |
|---|---|
| Personal | |
| Maximum Amount | $20,000 |
| Maximum Term (in months) | Up to 72 Months |
| Annual Percentage Rate | 9.74%* |
| Share Secured | |
| Maximum Amount | (2) |
| Maximum Term (in months) | 10 Years |
| Annual Percentage Rate | 5.90%* |
| Share Certificate Secured | |
| Maximum Amount | (3) |
| Maximum Term (in months) | 10 Years |
| Annual Percentage Rate | (4) |
| Payday Alternative (5) | |
| Maximum Amount | $1,000 |
| Maximum Term (in months) | Up to 6 Months |
| Annual Percentage Rate | 28.00%* |
| Apply Now | |
Terms and Conditions:
2. The Credit Union will loan up to 100% of available shares.
3. The Credit Union will loan up to 100% of the certificate's value.
4. The Annual Percentage Rate (and corresponding Daily Rate) will be 3.00% above the interest rate being earned on the certificate.
5. Minimum loan amount $500. Membership open minimum one month. Application fees may apply.
*Annual Percentage Rate shown is our lowest available and reflects a .25% rate discount for electronic repayment. All loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate shown.
E-Bike Rates
| Length of Repayment | Annual Percentage Rate | |
|---|---|---|
| 36 months | 8.75%* | Apply Now |
| 48 months | 8.90%* | Apply Now |
| 60 months | 9.25%* | Apply Now |
| Length of Repayment | |
|---|---|
| 36 Months | |
| Annual Percentage Rate | 8.75%* |
| 48 Months | |
| Annual Percentage Rate | 8.90%* |
| 60 Months | |
| Annual Percentage Rate | 9.25%* |
| Apply Now | |
Terms and Conditions:
E-Bikes are grouped into three classes:
Class 1: pedal assist only, 20 mph speed limited
Class 2: pedal assist or throttle, 20 mph speed limited
Class 3: pedal assist only, 28 mph speed limited, helmets required, must be 16 or older to operate
*Annual Percentage Rate shown is our lowest available and reflects a .25% rate discount for electronic repayment. All loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate shown.
New and Used Recreational Vehicle Rates
| Length of Repayment (6) | Annual Percentage Rate | Daily Rate | |
|---|---|---|---|
| 60 months | 6.25%* | 0.017123% | Apply Now |
| 84 months | 6.70%* | 0.018356% | Apply Now |
| 120 months | 7.00%* | 0.019178% | Apply Now |
| 144 months | 7.25%* | 0.019863% | Apply Now |
| 180 months | 7.50% | 0.020548% | Apply Now |
| Length of Repayment (6) | |
|---|---|
| 60 Months | |
| Annual Percentage Rate | 6.25%* |
| Daily Rate | 0.017123% |
| 84 Months | |
| Annual Percentage Rate | 6.70%* |
| Daily Rate | 0.018356% |
| 120 Months | |
| Annual Percentage Rate | 7.00%* |
| Daily Rate | 0.019178% |
| 144 Months | |
| Annual Percentage Rate | 7.25%* |
| Daily Rate | 0.019863% |
| 180 Months | |
| Annual Percentage Rate | 7.50%* |
| Daily Rate | 0.020548% |
| Apply Now | |
Terms and Conditions:
New RVs: On approved credit, the Credit Union will finance up to 100% of the purchase price, not to include tax, license and other fees.
Used RVs: On approved credit, the Credit Union will finance up to 100% of the Kelley Blue Book retail value.
6. Up to 60 month financing available on all RV loans; 84 month financing available for RV loans of $25,000 or more; 120 month financing available for RV loans of $35,000 or more; 144/180 month financing available for RV loans of $50,000 or more. The minimum payment will always be $125.00.
*Annual Percentage Rate shown is our lowest available and reflects a .25% rate discount for electronic repayment. All loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate shown.
*Annual Percentage Rate shown is our lowest rate available. All loans and loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate Shown.
New and Used Motorcycle Rates
| Length of Repayment (7) | Annual Percentage Rate | Daily Rate | |
|---|---|---|---|
| 36 months | 6.99%* | 0.019151% | Apply Now |
| 48 months | 7.50%* | 0.020548% | Apply Now |
| 60 months | 7.75%* | 0.021233% | Apply Now |
| 72 months | 8.75%* | 0.023973% | Apply Now |
| Length of Repayment (7) | |
|---|---|
| 36 Months | |
| Annual Percentage Rate | 6.99%* |
| Daily Rate | 0.019151% |
| 48 Months | |
| Annual Percentage Rate | 7.50%* |
| Daily Rate | 0.020548% |
| 60 Months | |
| Annual Percentage Rate | 7.75%* |
| Daily Rate | 0.021233% |
| 72 Months | |
| Annual Percentage Rate | 8.75%* |
| Daily Rate | 0.023973% |
| Apply Now | |
Terms and Conditions:
7. On approved credit, the Credit Union will finance up to 80% of the purchase price of new motorcycles, not including tax and license, and up to 100% of the Kelley Blue Book wholesale value on used motorcycles.
*Annual Percentage Rate shown is our lowest available and reflects a .25% rate discount for electronic repayment. All loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate shown.
New Watercraft Rates
| Length of Repayment (8) | Annual Percentage Rate | Daily Rate | |
|---|---|---|---|
| 36 months | 6.99%* | 0.019151% | Apply Now |
| 48 months | 7.50%* | 0.020548% | Apply Now |
| 60 months | 7.75%* | 0.021233% | Apply Now |
| 72 months | 8.75%* | 0.023973% | Apply Now |
| 84 months | 8.85%* | 0.024247% | Apply Now |
| Length of Repayment (8) | |
|---|---|
| 36 Months | |
| Annual Percentage Rate | 6.99%* |
| Daily Rate | 0.019151% |
| 48 Months | |
| Annual Percentage Rate | 7.50%* |
| Daily Rate | 0.020548% |
| 60 Months | |
| Annual Percentage Rate | 7.75%* |
| Daily Rate | 0.021233% |
| 72 Months | |
| Annual Percentage Rate | 8.75%* |
| Daily Rate | 0.023973% |
| 84 Months | |
| Annual Percentage Rate | 8.85%* |
| Daily Rate | 0.024247% |
| Apply Now | |
Terms and Conditions:
100% Financing available (not to include tax, license and fees) on approved credit.
8. 60 month financing available on loans of $12,500 or more, 72 month financing available on loans of $20,000 or more, 84 month financing available on loans of $30,000 or more.
*Annual Percentage Rate shown is our lowest available and reflects a .25% rate discount for electronic repayment. All loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate shown.
Student Loans
| Type of Loan | Annual Percentage Rate | |
|---|---|---|
| Student Loans | Click to Learn More or Apply |
| Type of Loan | |
|---|---|
| Student Loans | |
| Annual Percentage Rate | |
| Click to Learn More or Apply | |
Real Estate Loans
| Type | Annual Percentage Rate | |
|---|---|---|
| Fixed Rate First Mortgage | Visit vidafcu.varris.com | |
| Fixed Rate Home Equity Loans | Call, Email, or Text | |
| Variable Rate Home Equity Line of Credit (HELOC) | Call, Email, or Text |
Vehicle Loans
| Type | Annual Percentage Rate | |
|---|---|---|
| New and Used Automobile | As low as 4.99%* | |
| New and Used Recreational Vehicle | As low as 6.25%* | |
| New and Used Motorcycle | As low as 6.99%* | |
| New Watercraft | As low as 6.99%* | |
| E-Bikes (1) | As low as 8.75%* |
1. E-Bikes are grouped into three classes:
Class 1: pedal assist only, 20 mph speed limited
Class 2: pedal assist or throttle, 20 mph speed limited
Class 3: pedal assist only, 28 mph speed limited, helmets required, must be 16 or older to operate
Other Available Loans
| Type | Annual Percentage Rate | |
|---|---|---|
| Personal | 9.74%* | |
| Share (2) | 5.90% | |
| Certificate | (3) | |
| Payday Alternative (4) | 28.00% | |
| Student Loans | Visit vidafcu.studentchoice.org | |
| Visa Credit Card | As low as 8.48%* |
2. The Credit Union will loan up to 100% of available shares.
3. The Credit Union will loan up to 100% of the certificate's value. The Annual Percentage Rate (and corresponding Daily Rate) will be 3.00% above the interest rate being earned on the certificate.
4. Minimum loan amount $500. Membership open minimum one month. Application fees may apply.
*Annual Percentage Rate shown is our lowest rate available and reflects a .25% rate discount for electronic repayment. The .25% rate discount for electronic repayment does not apply to the Visa Credit Card rates. All loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate Shown.