Rates

Loan Rates
Type of loan	APR - Annual Percentage Rate
Secured Loans * All vehicles with titles or UCC Filings	5.00% - 16.75%
Unsecured Loans* Personal Loans, Lines of Credit	8.95% - 17.95%
First Mortgage** - Fixed and Adjustable Rates	Call for Current Rates
Second Mortgages** - Fixed Rate	6.00% - 15.50%
Home Equity Line of Credit***	5.00% - 14.50%
Visa Credit Card	8.95% - 17.95%
Share and Certificate Secured Loans	Add 3.00% above the current share or certificate rate
All rates quoted for loans assume autopayment from VHPECU's checking or savings account, payroll deduction or electronic payment from another financial institution. Add .25% to rates quoted for all loan types if cash pay. See CU for details.
* For all consumer loans there is a non-refundable $55 processing fee for each loan request, excluding VISA Credit Card and Share and Certificate loans.	** For First and Second Mortgage Loans there is a 1% origination fee. Other third party fees such as appraisal fees may apply. 1st and 2nd mortgage terms to 30 years. See CU for details.
*** For Home Equity Lines of Credit there is a $50 processing fee and an annual fee of $75. Other third party fees such as appraisal fees may apply.	The interest rate a member pays is based on the member's credit worthiness, credit history and term of the loan. Loan terms may vary depending on amount borrowed and credit history. All rates are subject to change at any time.

Share Accounts
Share Accounts	Membership Shares	Club Accounts: Special Purpose, Christmas, Vacation, House & Tax	High Yield Shares	Investors Plus Shares	Traditional, Converted Roth ** Regular Roth, Educational IRA Shares
Annual Percentage Yield	$500-$999.99 0.35% $1,000-$9,999 0.45% $10,000 + 0.55%	0.50%	$1,000-$9,999 0.65% $10,000 + 0.75%	$2,500-$24,999 1.00% $25,000-$49,999 1.30% $50,000 + 1.50%	$125-$2,499 1.00% $2,5000-$24,999 1.30% $25,000-$49,999 1.55% $ 50,000 + 1.80%
Annual Percentage Rate	$5.00-$999.99 0.35% $1,000-$9,999 0.45% $10,000 + 0.55%	0.50%	$1,000-$9,999 0.65% $10,000 + 0.75%	$2,500-$24,999 1.00% $25,000-$49,999 1.29% $50,000 + 1.49%	$125-$2,499 1.00% $2,500-$24,999 1.30% $25,000-$49,999 1.54% $50,000 + 1.79%
Minimum Opening Deposit	$5.00	$5.00	$1,000.00	$2,500.00	$5.00
Minimum Balance to avoid Monthly Maintenance Fee	$125.00	N/A	N/A	N/A	N/A
Monthly Maintenance fee if Below Minimum Balance	$2.00	N/A	N/A	N/A	N/A

Checking Accounts
Checking Accounts	Elite Shares	Select Checking	Money Market Checking	Corporate Checking
Annual Percentage Yield	0.35%	N/A	$0-$999 = 0.35% $10,000-$24,999=0.50% $25,000-$49,999=0.65% $50,000-$99,999=0.80% $100,000 + 1.06%	$0-$999 = 0.35% $10,000-$24,999=0.50% $25,000-$49,999=0.65% $50,000-$99,999=0.80% $100,000 + 1.06%
Annual Percentage Rate	0.35%	N/A	$0-$999 = 0.35% $10,000-$24,999=0.50% $25,000-$49,999=0.65% $50,000-$99,999=0.80% $100,000 + 1.05%	$0-$999 = 0.35% $10,000-$24,999=0.50% $25,000-$49,999=0.65% $50,000-$99,999=0.80% $100,000 + 1.05%
Minimum Opening Balance	$50.00	$50.00	$50.00	$250.00
Minimum Balance to avoid Monthly Maintenance Fee	$500.00	N/A	$10,000.00	N/A
Monthly Maintenance fee	$8.00	N/A	$10.00	$10.00
Early Closure Fee (if closed in first 90 days)	$25.00	$25.00	$25.00	$25.00

Share and IRA Certificates
Certificates	Certificate Special up to 36 months	1 Year CD	2 Year CD	1 Year-Traditional, Converted Roth and Regular Roth Education IRA CD	2 Year - Traditional, Converted Roth and Regular Roth Education IRA CD
APY	3.75%	2.75%	3.00%	3.00%	3.25%
APR	3.69%	2.72%	2.96%	2.96%	3.20%
Minimum Opening Deposit	2,500	1,000.00	1,000.00	1,000.00	1,000.00
Minimum Deposit (if Allowed)	N/A	N/A	N/A	N/A	N/A

Yield Plus Certificates $500 to $9,999

Bump Up
Certificates

1 Year
(1 bump option)

2 Year
(2 bump option)

3 Year
(3 bump option)

4 Year
(4 bump option)

5 Year
(5 bump option)

Annual Percentage Yield
With Elite Checking

Without Elite Checking

2.43%

2.27%

2.58%

2.43%

2.73%

2.58%

2.89%

2.73%

3.04%

2.89%

Annual Percentage Rate
With Elite Checking

Without Elite Checking

2.40%

2.25%

2.55%

2.40%

2.70%

2.55%

2.85%

2.70%

3.00%

2.85%

Minimum Opening Deposit

$500

Minimum Additional Deposits
Share Certificates

IRA Certificates

$1,000

$100

$1,000

$100

$1,000

$100

$1,000

$100

$1,000

$100

Yield Plus Certificates $10,000 +

Bump Up
Certificates

1 Year
(1 bump option)

2 Year
(2 bump option)

3 Year
(3 bump option)

4 Year
(4 bump option)

5 Year
(5 bump
option)

Annual Percentage Yield
With Elite Checking

Without Elite Checking

2.53%

2.38%

2.68%

2.53%

2.84%

2.68%

2.99%

2.84%

3.14%

2.99%

Annual Percentage Rate
With Elite Checking

Without Elite Checking

2.50%

2.35%

2.65%

2.50%

2.80%

2.65%

2.95%

2.80%

3.10%

2.95%

Minimum Opening Deposit

$10,000

Minimum Additional Deposits
Share Certificates

IRA Certificates

$5,000

$100

$5,000

$100

$5,000

$100

$5,000

$100

$5,000

$100

Jumbo Share Certificates $100,000 +
JUMBO Share Certificates	1 Year	2 Year	3 Year	4 Year	5 Year
Annual Percentage Yield	2.79%	3.04%	3.30%	3.40%	3.56%
Annual Percentage Rate	2.75%	3.00%	3.25%	3.35%	3.50%
Minimum Opening Deposit	$100,000	$100,000	$100,000	$100,000	$100,000
Minimum Additional Deposits	$50,000	$50,000	$50,000	$50,000	$50,000

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