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Rates
Welcome to TheGreatRatesPlace! Vantria Federal Credit Union offers competitive rates on saving products and loans. You don’t need to keep shopping for low cost loans and high yield CD’s; let Vantria simplify your financial management.
Savings
Rates effective 2/1/2012 and are subject to change without notice.
| Account |
Annual Percentage Yield |
Balance Requirements |
| Prime Shares |
0.10% |
$25.00 deposit to open account |
| Student First Shares |
0.20% |
$25.00 deposit to open account
Must open before age 15 |
| Money Market Account |
0.10% |
$2,500.00 to $24,999.99 |
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0.18% |
$25,000.00 to $49,999.99 |
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0.30% |
$50,000 and over |
| Holiday, Vacation, & 1040 |
0.10% |
No minimum balance |
Certificates
Rates effective 2/1/2012 and are subject to change without notice. A penalty may be imposed for early withdrawal. Ask for more details.
| NOTE: all certificates (except 6 month, 11 month, 18 month and 30 month) qualify as a Step-Up Certificate. 12 - 36 months can step up 1 time to a higher rate and 48 - 60 months can step up 2 times. Deposits of new money to purchase certificates limited to $50,000. per member. |
| Certificate Type |
Annual Percentage Yield |
Balance Requirements |
| 6 mo. Share Certificate |
.25% |
$1,000 minimum |
| 3-11 Member's Choice Share Certificate |
.20% |
$1000 minimum - maximum $25,000 |
| 12 mo. Share Certificate |
.40% |
$1,000 minimum |
| 18 mo. E-Z Saver Certificate |
.55% |
$100 MIN. BALANCE PLUS $5 MIN. DEPOSIT PER MONTH via regularly scheduled transfers/payroll deduction |
| 24 mo. Share Certificate |
.70% |
$1,000 minimum |
| 30 mo. Payroll Savers Certificate |
.75% |
$100 MIN. BALANCE PLUS $50 MIN. DEPOSIT PER MONTH via payroll deposit |
| 48 mo. Share Certificate |
1.66% |
$1,000 minimum |
| 60 mo. Share Certificate |
2.27% |
$1,000 minimum |
IRAs
Rates effective 2/1/2012 and are subject to change without notice. A penalty may be imposed for early withdrawal. Certain conditions apply. Ask for more details.
| IRA |
Annual Percentage Yield |
Balance Requirements |
| I R A s Shares |
.10% |
None |
| 12 mo. IRA Certificate |
.40% |
$2,000 min.(Education IRA - $500 min) |
| 24 mo. IRA Certificate |
.70% |
$2,000 min.(Education IRA - $500 min) |
| 36 mo. IRA Certificate |
.75% |
$2,000 min.(Education IRA - $500 min) |
| 48 mo. IRA Certificate |
1.66% |
$2,000 min.(Education IRA - $500 min) |
| 60 mo. IRA Certificate |
2.27% |
$2,000 min.(Education IRA - $500 min) |
First Mortgages
For rates and information regarding our mortgage products, please call
1-888-771-0281 Vantria FCU Mortgage Center
Monday - Friday 9 a.m. - 5 p.m. EST.
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Loans
No down payment required. Rates effective 2/1/2012 and are subject to change without notice.
| Loan Type |
Annual Percentage Rate |
Approximate Term |
Standard Vehicle Loan (including motorcycles)
New Vehicles - up to 100% purchase price. Used Vehicles - up to 100% NADA retail value |
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*2.74 APR is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan. Rate includes .25% discount with direct deposit/payroll deduction and fuel efficient vehicle reductions** as follows: Buyers of cars rated 27 highway MPG* or greater are eligible for a 0.50% discount on their loan rate. Members who choose a car rated 40 highway MPG or greater receive a 0.75% discount!
**fuel efficient vehicle reductions (MPG ratings) determined by manufacturer's new-car window sticker; used car ratings determined by www.fueleconomy.gov. |
Up to 72 Months |
| New or Used Vehicle |
as low as 2.74%* |
36 months |
| New or Used Vehicle |
as low as 2.74%* |
48 months |
| New or Used Vehicle |
as low as 2.74%* |
60 months |
| New or Used Vehicle |
as low as 6.00%* |
72 months
(loans over $20,000) |
Overdraft Protection
(line of credit) |
as low as 10.90%* |
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Personal Loans
($500 - $15,000) |
| Tier 1 |
as low as 11.24%* |
24 months |
| Tier 2 |
as low as 11.75%* |
36 months |
| Tier 3 |
as low as 12.00%* |
48 months |
| Tier 4 |
as low as 12.25%* |
60 months |
| Share-Secured |
Primary Share rate plus 3.0% |
120 months |
*Interest rate will vary according to credit history, loan-to-value and term.
Equity Loans
Rates effective 2/1/2012 and are subject to change without notice. Equity loans are available for residences in VA, MD, DC. Ask for details.
| Loan Type |
Annual Percentage Rate |
Approximate Term |
| 2nd Mortgage Primary Residence |
as low as Prime Rate + 1.25%* |
120 months |
| 2nd Mortgage Secondary Residence |
as low as Prime Rate + 1.50%* |
120 months |
Home Equity Line of Credit
The APR is a variable rate subject to change quarterly based on the Prime Rate as published by the Wall Street Journal. |
as low as Prime Rate* +1.00 Variable
(Lifetime cap of 18.00%) |
*Interest rate will vary according to credit history or loan-to-value.
Credit Cards
Rates effective 2/1/2012 and are subject to change without notice. VISA Credit Cards have
no annual fee and a 25-day grace period on purchases.
Boats
Rates effective 2/1/2012 and are subject to change without notice.
| Loan Type |
Annual Percentage Rate |
Approximate Term |
| New - up to 20 feet (up to 90% of value) |
as low as 9.65%* |
up to 60 months |
| New - over 20 feet (up to 90% of value) |
as low as 9.65%* |
up to 120 months |
| Used - up to 20 feet (NADA loan value) |
as low as 10.65%* |
up to 48 months |
| Used - over 20 feet (Marine Survey) |
as low as 10.65%* |
up to 120 months |
| Used - over 20 feet (90% NADA retail value) |
as low as 11.15%* |
up to 120 months |
*Interest rate will vary according to credit history or loan-to-value.
Mobile Homes/Travel Trailers
Rates effective 2/1/2012 and are subject to change without notice.
| Loan Type |
Annual Percentage Rate |
Approximate Term |
| New (up to 90% of value) |
as low as 9.65%* |
Up to 84 months |
| Used (NADA loan value) |
as low as 10.65%* |
Up to 60 months |
*Interest rate will vary according to credit history or loan-to-value.
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