Loans Rates and Quotes

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

Are you ready to Apply for your loan now? You have several options for applying and closing your loan!

To Apply:

  • Use the online application located in SmartLink home banking, our mobile app, or here.
  • Call 757-463-3650 and select option 1
  • Auto  & Personal Loans: Joyce is waiting to help you! Direct: 757-306-7999
  • Home Loans: Treatrie is your home loan expert. Direct: 757-306-7998

Closing Your Loan:

  • We offer online application and closing- so no more trips down to a branch! 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.

Deposit Account Rates

Term Share Account1

Amount Term Dividend Rate Annual Percentage Yield
Dividend rates as of 12/11/2018
$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 12-11-18
$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 12-31-18
0.10%** 0.100%**

Youth Share ($5 average daily balance to earn a dividend)

Dividend Rate Annual Percentage Yield
Dividend Rate as of 12-31-18
0.10%** 0.100%**

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

Dividend Rate Annual Percentage Yield
Dividend Rate as of 12-31-18
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 12-31-18
0.050** 0.050**

SmartChoice Money Market

Tier One: Annual Percentage Yield
Dividend Rate as of 01-31-19
$5,000 – $24,999 0.20%**
Tier Two: Annual Percentage Yield
Dividend Rate as of 01-31-19
$25,000 – $49,999 0.25%**
Tier Three: Annual Percentage Yield
Dividend Rate as of 01-31-19
$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. The 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