Rates

Up to Date Rates and Terms.

Here you'll find our current rates on personal, auto, mortgages, equities, and IRA's.

Rates and Terms

Up to Date Rates. Effective June 25th, 2018

Shared Secured Rates

Type APR *as low as Max Term
Shared Secured 3.10% 95% Shares on Deposit 60 mos

Savings Rates

Type Min. Balance to Open & Maintain Membership Min. Balance Min. Average Daily Balance to Earn Dividends Withdrawal Restrictions Dividend Rate APY*
Share Savings $5.00 $0.00 $50.00 Unlimited 0.10% 0.10%
Traditional IRA Savings $5.00 $0.00 $50.00 Per IRS Restrictions 1.00% 1.00%
Roth IRA Savings $5.00 $0.00 $50.00 Per IRS Restrictions 1.00% 1.00%

Auto Rates

Type APR *as low as Conditions Term
New Vehicle 2.25% 24 to 60 mos
New Vehicle 3.75% >15,000 up to 72 mos
New Vehicle 4.25% >30,000 84 mos
Used Vehicle 4.25% up to 5 years old up to 48 mos
RV New 8.00% 80% of appraised up to 144 mos
RV Used 10.25% >80% of appraised up to 144 mos

Personal Rates

Type APR *as low as Max Term
Unsecured 5.99% $20,000 48 mos
Unsecured with co-maker* 5.99% $30,000

Home Equity Rates

Type APR *as low as Max Term
Fixed Home (80% of appraised value) 3.99% $75,000 5 yrs
Fixed Home (80% of appraised value) 4.50% $75,000 10 yrs
Fixed Home (80% of appraised value) 5.00% $75,000 15 yrs
HELOC (80% of appraised value) Prime + 0% $75,000 10 yr draw/10 yr payback

Fixed rate Home Equity Loan Disclosure Minimum loan amount is $10,000 and maximum loan amount is $75,000 for terms up to 180 months with loan to value up to 80%. Loans will be made against your primary residence, 1-4 family homes located in the state of CT. Loans can be made against a second home, however additional conditions will apply. Property insurance is required. No closing cost apply. A Home Equity loan of $10,000 with a 5-year term at 3.99% APR* results in 60 monthly payments of approximately $18.41 per $1,000 borrowed. Payments do not include amounts for taxes and insurance premiums; if applicable, the actual payment obligation will be greater. Please call Virginia for more information at (860) 246-5236 ext. 201. APR = Annual Percentage Yield 

Variable rate HELOC Disclosure Maximum loan amount conditions and loan to value conditions may apply. Minimum loan amount is $10,000 and maximum loan amount is $75,000. Loans will be made against your primary residence, 1-4 family homes located in the states of CT. Loans can be made against a second home, however additional conditions will apply. No closing cost apply. Property insurance is required. Home Equity Lines of Credit are variable rate loans. Your rate may vary and will be based on the Wall Street Journal Prime Rate, but it will not exceed 18.00% APR or be less than 3.25% APR. Please call Virginia for more information at (860) 246-5236 ext. 201. Prime = Wall Street Journal Prime Rate

VISA Credit Rates

Type APR *as low as Max Term
Visa Credit 9.99% $10,000 Individual

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