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 & 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 $6000 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.
bullet New and Used Vehicles & Motorcycles
bullet New Boat/RV Other Collateral
bullet Used Boat/RV*
bullet Mobile Home
bullet Computer Loans
bullet FIRST MORTGAGE  Click here
bullet First Mortgage- 10 year fixed rate
bullet Conventional Second Mortgage Loans
bullet Home Equity Credit Line
bullet Quick Equity Loans
 for full descriptions of our loans,  click here
bullet Personal Loans
bullet Ready Cash/Overdraft Protection Line of Credit
bullet VISA Platinum & Classic Credit Cards
bullet Term Share Account
bullet Individual Retirement Accounts
bullet Term Share Individual Retirement Account
bullet Shares & Clubs
bullet We also offer GAP, Extended warranties, and free credit report analysis. Ask your Loan officer for details
Lifestyle Loans  Apply
Elective Surgery, Cosmetic Surgery, Dental/Orthodontic, Eye Corrective, Hair Transplant, Computer, Debt Consolidation, Personal Loans. Rates range from: Payment Example
12.60% APR* - 18.00% APR* Click here to calculate
your loan payment.
Ready Cash  Apply Click here to calculate
your loan payment.
  11.99%
Secured Loans Apply Rates Range From: Payment Example
New and Used Vehicles, Motorcycles, Boats, RV's APR* Click here to calculate
your loan payment.
24 mos. 5.24% - 17.60%
36 mos. 5.49% - 17.85%
48 mos. 5.74% - 18.00%
60 mos. 5.99% - 10.49%
72 mos. 6.74% - 9.24%
84 mos. 7.49% - 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 :5.25% APR*
Second Mortgage Loans Apply
Term LTV Rates Range From:  
    APR*  
36 mos. Up to 100% 5.24% - 9.74% Click here to calculate
your loan payment.
60 mos. Up to 100% 5.74% - 10.24%
84 mos. Up to 100% 6.24% - 10.74%
120 mos. Up to 100% 6.99% - 11.49%
180 mos. Up to 100% 8.24% - 12.74%

Click here to calculate
your loan payment.

 
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

5.00% APR*
LTV= Loan to Value. LTV also subject to credit worthiness.
Student Loans - click here for information
Term Share Account 1    
Amount Term Dividend Rate Annual Percentage Yield
$1,000 min. 6 mos. 2.13** 2.15%**
$1,000 min. (dividend compounded) 12 mos. 2.67%** 2.70%**
$1,000 min. (paid to shares) 12 mos. 2.67%** 2.67%**
$500 min. "Builder" 12 mos. 2.43%** 2.45%**
$1,000 min. 24 mos. 2.82%** 2.85%**
$1,000 min. 36 mos. 2.97%** 3.00%**
$1,000 min. 48 mos. 3.21%** 3.25%**
$250 min. (youth account) 12 mos. 2.72%** 2.75%**
Individual Retirement Accounts1  
Dividend Rate -12-31-07 Annual Percentage Yield
3.15%** 3.1874%**
Dividend Rate -03-31-08 Annual Percentage Yield
2.50%** 2.5235%**
Term Share Individual Retirement Account1
Amount Term Dividend Rate Annual Percentage Yield
$1,000 min. 12 mos. 2.67%** 2.70%**
$1,000 min. 24 mos. 2.82%** 2.85%**
$1,000 min. 36 mos. 2.97%** 3.00%**
$1,000 min. 48 mos. 3.21%** 3.25%**
Prime Share ($100 average daily balance to earn a dividend**) Minimum opening balance $25.002
Dividend Rate Annual Percentage Yield
1.05%** 1.0541%**
Youth Share ($25 average daily balance to earn a dividend**)
Dividend Rate Annual Percentage Yield
1.05%** 1.0541%**
Share Draft ($1500 average daily balance to earn a dividend**)
Dividend Rate Annual Percentage Yield
.15%** .15%**
Holiday Club ($200 average daily balance to earn a dividend**)
Dividend Rate Annual Percentage Yield
.90%** .9030%**
Summer Club ($300 average daily balance to earn a dividend**)
Dividend Rate Annual Percentage Yield
.90%** .9030%**
SmartChoice Money Market  
Tier One: Annual Percentage Yield
$5,000 - $24,999 2.25%**
Tier Two: Annual Percentage Yield
$25,000 - $49,999 2.50%**
Tier Three:  Annual Percentage Yield
$50,000 and up 2.75%**
bullet The Minimum to open the accounts is $5,000.00.
bullet The account will pay monthly dividends on the average daily balance of $5,000 or more (ask for details).
 
bullet You can make up to 6 withdrawals each month.
bullet 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.

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Virginia Beach Schools Federal Credit Union • 3701 Bonney Road, VA 23452
(757)463-3650 • 1-877-4VBSFCU

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  This credit union is federally insured by the National Credit Union Administration
This site is produced by Virginia Beach Schools Federal Credit Union.
Copyright © 2003 Virginia Beach Schools Federal Credit Union
Equal Housing Lender

Important Notice
By clicking on any links located on the VBSFCU site, you are leaving the Virginia Beach Schools FCU website and linking to an alternate website not operated by
Virginia Beach Schools FCU. We are not responsible for the content of these  web sites. We do not represent you or the party you are contacting if the two of you enter
into any transaction. The web sites you are entering may have privacy and security policies different than those practiced by VBSFCU.