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Loan Rates

Loan Type Term Annual Percentage Rate (APR)* as low as
New & Used Vehicle Rates ( 7 Years & Newer) Up to 84 months 1.99% APR
Used Vehicle Rates ( 7 to 14 Years) Up to 72 months 4.99% APR
New & Used RV’s (Boats, RV’s, Campers) Up to 120 months 2.99% APR
New & Used Motorcycles Up to 72 months 4.49% APR
Collateralized Personal Loans Up to 84 months 4.24% APR
Personal Loans Up to 72 months 8.29% APR
Quick Loans Up to 6 months 28.00% APR
VISA Credit Cards 6.99% APR
Overdraft Protection Loans 13.50% APR
100% Share Secured Advance Up to 120 months 2.50% over current share rate
Certificate Secured Advance Term of Certificate 2.50% 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.
Rates effective 9/1/2020 and are subject to change without prior notice.
Click on the blue box in calendar for event information

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