Loan Rates
| Loan Type | Term | Annual Percentage Rate (APR)* as low as |
| New and Used Vehicle Rates (Ten years and newer) | Up to 84 months | 2.49% APR |
| Used Vehicle Rates (Eleven years and older) | Up to 72 months | 3.49% APR |
| New and Used Recreational Vehicles (Boats, RV’s, Campers) | Up to 120 months | 3.49% APR |
| New and Used Motorcycles | Up to 72 months | 3.49% APR |
| Collateralized Personal Loans | Up to 84 months | 3.99% APR |
| Personal Loans | Up to 72 months | 7.99% APR |
| Quick Loans | Up to 6 months | 28.00% APR |
| VISA Credit Cards | 5.99% APR | |
| Overdraft Protection Loans | 13.50% APR | |
| 100% Share Secured Advance | Up to 120 months | 2.00% over current share rate |
| Certificate Secured Advance | Term of Certificate | 2.00% over certificate rate |
**All rates above are based on approved credit. Your rate may vary based on your credit score, credit term, and the Credit Union’s underwriting standards. Call Vantage Point Federal Credit Union at 804-541-1473 for current rates. APR= Annual Percentage Rate
***Rates are current as of press date and are subject to change without prior notice.
