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Victor Valley Federal Credit Union
15445 8TH STREET
VICTORVILLE CA 92395
RATE SCHEDULE
This rate schedule states rates applicable to specified accounts and fees common to all accounts. This schedule is incorporated as a part of your account agreement with Victor Valley Federal Credit Union. For purposes of this disclosure, the dividend rate and annual percentage yield for the term share accounts are offered within the most recent seven calendar days and were accurate as of June 1st 2006.
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Minimum to Earn Dividend
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Dividend
Rate
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A.P.Y.*
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 Variable Rate |
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$5.00 - $2,000.00 |
.25%
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.250%
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$2,000.01 - $7,500.00 |
.35%
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.350%
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$7,500.01 - $15,000.00 |
.45%
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.451%
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$15,000.01-Up |
.55% |
.551% |
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Christmas/Vacation Club Rates
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Minimum to Earn Dividend
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Dividend
Rate
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A.P.Y.*
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| Variable Rate |
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$5.00 - $2,000.00 |
.25%
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.250%
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$2,000.01- $7,500.00 |
.35%
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.350%
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$7,500.01 - $15,000.00 |
.45%
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.451%
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$15,000.01 - Up |
.55% |
.551% |
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Minimum to Earn Dividend
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Dividend
Rate
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A.P.Y.*
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| Variable Rate |
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$5.00 - $250,000.00 |
1.05%
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1.055%
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Money Market Share Draft Rates
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Minimum to Earn Dividend
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Dividend
Rate
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A.P.Y.*
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| Variable Rate |
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$2500.00 - $250,000.00 |
.85%
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.853%
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Member’s accounts are insured by the National Credit Union Administration(NCUA) up to $250,000.00 until December 2009. IRA accounts are insured by the NCUA up to $250,000.00
*A.P.Y = Annual Percentage Yield
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Vehicles including Motor Homes & Traveler Trailers (2006 - 2008) - up to 100% Financing on Purchases limitations may apply based on actual vehicle value as disclosed by Kelly Blue Book and Manufactures Suggest Retail Price
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Auto Loans (approximate repayment period)(1)
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APR Minimum
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APR Maximum
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| New Vehicles |
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0 to 48 Months |
5.40%
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10.40%
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49 to 60 Months |
5.40%
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10.40%
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61 to 72 Months |
5.40%
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10.40%
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73 to 84 Months ($30,000 minimum) |
5.65%
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10.65%
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Motor Homes & Travel Trailers & Boats - 85 to 96 Months |
6.70%
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11.70%
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Motor Homes & Travel Trailers & Boats - 97 to 120 Months ($40,000 minimum) |
6.75%
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12.04%
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| Used Vehicles, Motor Homes, & Travel Trailers & Boats (2005 and older) - must be listed in the Kelly Blue Book |
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0 to 48 Months |
5.40%
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10.40%
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49 to 60 Months |
5.40%
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10.40%
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Over 60 Months |
5.65%
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10.65%
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Motor Homes & Travel Trailers & Boats - 48 to 84 Months |
6.70%
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11.70%
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Motor Homes & Travel Trailers & Boats - 85 to 96 Months |
6.70%
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11.70%
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Motor Homes & Travel Trailers & Boats - 97 to 120 Months ($40,000 minimum) |
6.75%
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12.04%
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APR Minimum
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APR Maximum
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| Motorcycles (Street Legal) - 2006 to new (2005 and older add .50% to interest rate) |
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0 to 48 Months |
6.45%
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11.45%
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49 to 60 Months |
6.50%
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11.50%
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| Toys - New/Used Wave Runners, Off Road Vehicles (2005 and older add .50% to interest rate) |
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0 to 48 Months |
7.85%
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12.85%
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| Share Secured Installment (variable rate) |
Dividend + 4%
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| Signature Loans (maximum amount $10,000)(2) |
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0 to 24 Months |
8.85%
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13.85%
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25 to 36 Months |
8.90%
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13.90%
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37 to 60 Months |
8.95%
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13.95%
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| PayDay Loan (Maximum amount $500.00 - minimum loan $100.00) |
18.00%
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| Maximum term 30 days - 1st 30 days interest waived. Must be on direct deposit for 90 days. Loan due in full next payday. Interest rate 18% if not paid in full. Application fee $25.00 each request. Direct deposit of paycheck required. Credit report not required. |
| Home Equity Lines of Credit - check with your credit union for further information** |
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APR = Annual Percentage Rate. All loans are subject to credit approval
(1) The actual rate you will be based on your credit qualification, but not less than 5.40% APR.
(2) Maximum dollars amounts may be limited based on credit qualifications and ability to repay.
Minimum rates disclosed reflect a .25% discount for each of the following activities: Direct Deposit of full paycheck, automatic transfer of loan payment with VVFCU account, checking account with VVFCU.
**Restricted to .00% minimum rate discount.
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