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% - 14.50%

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.