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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
  0.18% $25,000.00 to $49,999.99
  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.


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
green AutoLoan *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%*
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.
Card Type Annual Percentage Rate
Classic - Purchases & Cash Advances 11.9%
Gold - Purchases & Cash Advances 10.9%
Platinum - Purchases & Cash Advances 9.9%
Classic Secured - Purchases & Cash Advances 11.9%
Please click here for the required credit card disclosures


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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