Rates

Loan & Deposit Rates

How do I learn about your loan rates?

Call our Loan Center 757-463-3650 option 1 for your competitive personalized loan rates. New and Used Vehicles, Motorcycles, Boats, RV’s, Home Loans and more.

How can I apply for a loan?

Are you ready to apply for your loan now? We offer several options for applying and closing your loan!

To Apply:

Closing Your Loan:

  • We offer an online application and closing. You can close your loan from the convenience of your home.
  • Visit a VBSFCU branch and close with a Member Service Specialist.

Rates subject to change daily.


What are your deposit rates?

Many different types of deposit products are offered. From Term Share to Money Market, we can help you will all your deposit needs. Please scroll the rates below to learn more.

Do you offer investment products?

We partner with Member Wealth Management to offer other investment products. Please visit our Investment page to learn more.

If I have more questions?

Please call or visit a branch if you have any more questions. Not a member? Learn how you can join!


Deposit Account Rates

Term Share Account1

Amount Term Dividend Rate Annual Percentage Yield
Dividend rates as of 05/31/2019
$1,000 min. 6 mos.  0.30%** 0.3004%**
$1,000 min. 12 mos.  0.50%** 0.5009%**
$500 min. “Builder” 12 mos.  0.50%** 0.5009%**
$1,000 min. 24 mos.  0.65%** 0.6516%**
$1,000 min. 36 mos.  0.70%** 0.7018%**
$1,000 min. 48 mos.  0.75%** 0.7521%**
$250 min. (youth account) 12 mos.  0.50%** 0.5009%**

Individual Retirement Accounts1

Dividend Rate 03/31/19 Annual Percentage Yield
Dividend Rate as of 3-31-19
0.10%** 0.10%**
Dividend Rate 06/30/19 Annual Percentage Yield
Dividend Rate as of 06-30-19
0.120%** 0.120%**

Term Share Individual Retirement Account1

Amount Term Dividend Rate Annual Percentage Yield
Dividend Rate as of 05-31-19
$1,000 min. 12 mos. 0.50%** 0.5009%**
$1,000 min. 24 mos. 0.65%** 0.6516%**
$1,000 min. 36 mos. 0.70%** 0.7018%**
$1,000 min. 48 mos. 0.75%** 0.7521%**

Prime Share

($100 average daily balance to earn a dividend) Minimum opening balance $25.002

Dividend Rate Annual Percentage Yield
Dividend Rate as of 05-31-19
0.10%** 0.100%**

Youth Share

($5 average daily balance to earn a dividend)

Dividend Rate Annual Percentage Yield
Dividend Rate as of 05-31-19
0.10%** 0.100%**

Holiday Club

($200 average daily balance to earn a dividend**)

Dividend Rate Annual Percentage Yield
Dividend Rate as of 05-31-19
0.10** 0.100%**

secondary share

($300 average daily balance to earn a dividend**) (Customize your account’s name in home banking)

Dividend Rate Annual Percentage Yield
Dividend Rate as of 05-31-19
0.050** 0.050**

SmartChoice Money Market

Tier One: Annual Percentage Yield
Dividend Rate as of 05-31-19
$5,000 – $24,999 0.20%**
Tier Two: Annual Percentage Yield
Dividend Rate as of 05-31-19
$25,000 – $49,999 0.25%**
Tier Three: Annual Percentage Yield
Dividend Rate as of 05-31-19
$50,000 and up 0.30**

** Rates may change without notice.

1 Early withdrawal penalties may apply. 2 Inactivity fees may reduce the earnings on your account.

Certificates

Dividend rates fixed for the term. Penalties for early withdrawal may apply.

Money Market Disclosures:

The minimum to open the accounts is $5,000.00. An account will pay monthly dividends on the average daily balance of $5,000.00 or more (ask for details). You can make up to 6 withdrawals each month. Limited check writing capabilities, free checks provided.  ** Rates may change without notice.

BlkENGinsurlabel GifYour savings federally insured to at least $250,000 and backed by the
full faith and credit of the United States Government. More Information