Rates

Share Rates
Regular Share Rates
Christmas/Vacation Club Rates
IRA Share Rates
Money Market Share Draft Rates
Share Rate Disclosures

Loan Rates
Auto Loan Rates
Consumer Loan Rates
Loan Rate Disclosures

 

 

 


Overview


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.

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Share Rates

 


Regular Share Rates


Minimum to Earn Dividend

Dividend
Rate

A.P.Y.*

Variable Rate
  $5.00

.10%

.10%

  $2,000.00

.15%

.15%

  $7,500.00

.20%

.20%

  $15,000.00

.25%

.25%

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Christmas/Vacation Club Rates


Minimum to Earn Dividend

Dividend
Rate

A.P.Y.*

Variable Rate
  $5.00

.10%

.10%

  $2,000.00

.20%

.20%

  $7,500.00

.30%

.30%

  $15,000.00 .40% .40%

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IRA Share Rates


Minimum to Earn Dividend

Dividend
Rate

A.P.Y.*

Variable Rate
  $5.00

.30%

.30%

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Money Market Share Draft Rates


Minimum to Earn Dividend

Dividend
Rate

A.P.Y.*

Variable Rate
  $2500.00

.15%

.15%

  $10,000.00 .20% .20%
  $25,000.00 .25% .25%
  $50,000.00 .30% .30%
 

$100,000.00

.35% .35%

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Share Disclosures


 

Member’s accounts are insured by the National Credit Union Administration(NCUA) up to $250,000.00.   IRA accounts are insured by the NCUA up to $250,000.00

*A.P.Y = Annual Percentage Yield

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Loan Rates

 


Auto Loans


Vehicles including Motor Homes & Traveler Trailers (2011 - 2013) - 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

 

Auto Loans (approximate repayment period)(1)

APR Minimum

APR Maximum

New Vehicles
  0 to 48 Months

2.95%

11.90%

  49 to 60 Months

2.95%

13.90%

  61 to 72 Months

3.95%

15.90%

  73 to 84 Months ($30,000 minimum)

4.95%

17.90%

  Motor Homes & Travel Trailers & Boats - 85 to 96 Months

7.65%

12.65%

  Motor Homes & Travel Trailers & Boats - 97 to 120 Months ($40,000 minimum)

7.70%

12.70%

Used Vehicles, Motor Homes, & Travel Trailers & Boats (2010 and older) - must be listed in the Kelly Blue Book
  0 to 48 Months

2.95%

11.90%

  49 to 60 Months

2.95%

13.90%

  Over 60 Months

3.95%

15.90%

  Motor Homes & Travel Trailers & Boats - 48 to 84 Months

7.65%

12.65%

  Motor Homes & Travel Trailers & Boats - 85 to 96 Months

7.70%

12.70%

  Motor Homes & Travel Trailers & Boats - 97 to 120 Months ($40,000 minimum)

7.75%

12.75%

 

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Consumer Loans

 


 

 

 

APR Minimum

APR Maximum

Motorcycles (Street Legal) - 2011 to new (2010 and older add .50% to interest rate)
  0 to 48 Months

7.20%

12.20%

  49 to 60 Months

7.25%

12.25%

Toys - New/Used Wave Runners, Off Road Vehicles (2010 and older add .50% to interest rate)
  0 to 48 Months

7.20%

12.20%

Share Secured Installment (variable rate)

Dividend + 3.50%

 

Signature Loans (maximum amount $10,000)(2)
  0 to 24 Months

11.75%

16.75%

  25 to 36 Months

11.80%

16.80%

  37 to 60 Months

11.85%

16.85%

PayDay Loan (Maximum amount $500.00 - minimum loan $100.00)

18.00%

 
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.
 

 

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Loan Disclosures


 

 

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 2.95% APR.
(2) Maximum dollars amounts may be limited based on credit qualifications and ability to repay.

 

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