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DRIVE UP your score so you can PAY US LESS! We can show you how to get a better rate by increasing your credit report score. Call today to make an appointment! 463-3650 ext 305 or  306.  Apple Advantage* Are you taking advantage of the Apple? Qualify for a .25% decrease in your loan rate by signing up for direct deposit, a checking account, Visa Check Card, and have a combined $6,000 in loans with VBSFCU**.  *Not applicable to Visa credit card or Mortgage loans **New loan applies. May combine Visa Credit Card balance.
Please note that these are the current loan and share rates. The rates listed on loans reflect a range of rates. The actual rate you receive will depend on your risk category. Rates are subject to change without notice.
New and Used Vehicles & Motorcycles New Boat/RV Other Collateral Used Boat/RV* Mobile Home Computer Loans FIRST MORTGAGE  Click here First Mortgage- 10 year fixed rate Conventional Second Mortgage Loans Home Equity Credit Line  for full descriptions of our loans,  click here	Personal Loans Ready Cash/Overdraft Protection Line of Credit VISA Platinum & Classic Credit Cards Term Share Account Individual Retirement Accounts Term Share Individual Retirement Account Shares & Clubs We also offer GAP, Extended warranties, and free credit report analysis. Ask your Loan officer for details

Personal / Lifestyle Loans  Apply
Elective Surgery, Cosmetic Surgery, Dental/Orthodontic, Eye Corrective, Hair Transplant, Computer, Debt Consolidation, Personal Loans.		Rates range from:	Payment Example
		10.75% APR* - 18.00% APR*	Click here to calculate your loan payment. Using a 36 month example with a 14.74% interest rate, you monthly payment per $1,000 borrowed is $34.54 a month.
Ready Cash  Apply			Click here to calculate your loan payment. Revolving loan. Payment is based  on 5% of the balance. Payments are a $25 increment per $100 borrowed.
		11.99%
Secured Loans Apply		Rates Range From:	Payment Example
New and Used Vehicles, Motorcycles, Boats, RV's		APR*	Using an 48 month interest rate of 5.74%:  Your monthly payment per $1,000 financed  would be $23.37 per month. Click here to calculate your loan payment.
24 mos.		5.49% - 17.35%
36 mos.		5.74% - 17.60%
48 mos.		5.99% - 17.85%
60 mos.		6.24% - 10.24%
72 mos.		6.99% - 8.99%
84 mos.		7.74% - 7.99%
First Mortgage (click here)
Home Equity Line of Credit Apply
Variable Rate. Open ended line. Direct Credit Union Financing. Rates subject to change. Owner Occupied only.
Rate based on Prime as quoted in the Wall Street Journal.	Click here for disclosures and payment example.	Current Rate :4.00% APR*
Second Mortgage Loans Apply
Term	LTV	Rates Range From:
		APR*
36 mos.	Up to 85%	5.39% - 9.89%	Click here to calculate your loan payment. Using a 60 month interest rate of 5.89%, Your monthly payment would be $19.28 per $1,000  financed.
60 mos.	Up to 85%	5.89% - 10.39%
84 mos.	Up to 85%	6.39% - 10.89%
120 mos.	Up to 85%	7.14% - 11.64%
180 mos.	Up to 85%	8.39% - 12.89%	Click here to calculate your loan payment. Using a 10 year interest rate of 5.15%, your monthly payment would be $106.80 per $1,000 financed.
Freedom Mortgage Apply
10 Year Fixed Rate.  Direct Credit Union Financing. Rates subject to change weekly. Call 463-3650 ext 319 for complete details. Owner Occupied only.
10 Year Fixed Rate	Terms up to 60% LTV	5.15% APR*
LTV= Loan to Value. LTV also subject to credit worthiness.
Student Loans - click here for information

Prime Share ($100 average daily balance to earn a dividend**) Minimum opening balance $25.002
Dividend Rate	Annual Percentage Yield
.40%**	.40%**
Youth Share ($25 average daily balance to earn a dividend**)
Dividend Rate	Annual Percentage Yield
.40%**	.40%**
Share Draft ($1500 average daily balance to earn a dividend**)
Dividend Rate	Annual Percentage Yield
.00%**	.00%**
Holiday Club ($200 average daily balance to earn a dividend**)
Dividend Rate	Annual Percentage Yield
.35%**	.35%**
Summer Club ($300 average daily balance to earn a dividend**)
Dividend Rate	Annual Percentage Yield
.35%**	.35%**
SmartChoice Money Market
Tier One:	Annual Percentage Yield
$5,000 - $24,999	.75%**
Tier Two:	Annual Percentage Yield
$25,000 - $49,999	1.00%**
Tier Three:	Annual Percentage Yield
$50,000 and up	1.15%**
The Minimum to open the accounts is $5,000.00. The account will pay monthly dividends on the average daily balance of $5,000 or more (ask for details).	You can make up to 6 withdrawals each month. Limited check writing capabilities, free checks provided. *Annual Percentage Yield
*Annual Percentage Rate. Rates may change without notice. Dividend rates fixed for the term. Penalties for early withdrawal may apply. APY accrues as of day share account opened.	**Rates subject to change. 1 Early withdrawal penalties may apply. 2 Inactivity fees may reduce the earnings on your account.