Rates.

Rates

Keep in mind

The following rates are effective as of August 14, 2017, unless otherwise noted, and subject to change. Interest rates are determined by individual credit history. APY means annual percentage yield. Conventional Loan Rates.

Which rates are you checking?

Certificates

Vehicle loans

Home equity loans

Other loans

Money market

IRA

Super Savings

Membership/Club Savings

HSA

CheckingRewards

Mortgage rates

Visit our mortgage center for other information on home loans.

 

Mortgage Rates
Fixed RateRate As Low AsAPR As Low AsMonthly Payment per $10,000 Borrowed
30 years4.000%4.069%$47.74
20 years3.750%3.844%$59.29
15 years3.250%3.366%$69.66
10 years3.250%3.369%$97.72
Balloon Rate
7 years3.750%3.817%$46.31
5 years3.375%3.486%$44.21
Veterans Affair (VA)
30 years3.750%3.938%$46.89
USDA
30 years3.625%4.115%$46.07
3% Down Homebuyer Loan
5 year (balloon)3.875%3.976%$47.00

Rates quoted are effective as of  August 14, 2017, unless otherwise noted and may vary with amount of loan and loan-to-value ratio LTV. 45 day lock. Rates quoted based on $100,000 mortgage, 80% LTV, credit score, owner occupied only. Annualized Percentage Rate APR includes interest, certain fees and points as applicable according to federal law. $595 origination fee. 

Veterans Affair (VA)-  Available for active military and veterans. 

USDA Loan- 100% financing for Purchase and Refinance. Property eligibility can be found at https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfp

3% Down Homebuyer- 5 year balloon, 3% down payment, owner occupied single-family property. No Private Mortgage Insurance. 

Certificate Specials
Certificate TypeAPY
5-Year Add-On Certificate*2.02%
40-Month Bump-Up Certificate+1.26%
33-Month Certificate2.00%
6 Month0.15%

*During the term of the Add-On certificate, you may make deposits of $5.00 or more at anytime. +During the term of the Bump-Up certificate, you may request that Vibrant raise your rate to the current Vibrant Credit Union published rate on the 40-month certificate. You will then earn the higher rate for the remainder of the term. You may only exercise this feature one time during the term. Promotional rates made available in special offers are excluded. When the certificate matures it will auto renew into a 6 month certificate. APY = Annual Percentage Yield. ^$5 minimum to open account. There may be a penalty for early withdrawal. 

Certificate Rates by Type
Certificate Type- APY*
1 Year0.50%
18 Month0.60%
2 Year1.50%
30 Month0.75%
3 Year0.90%
48 Month2.25%

*Annual Percentage Yield. Penalty may be imposed for early withdrawal.

Home Equity Line of Credit (HELOC) Rates
Term/FinancingAPR as Low asMonthly Payment per $10,000 Borrowed
Fixed Rate HELOC
80% Financing3.990%$100.00
Variable Rate HELOC
5yr Line/5yr Repayment Up to 80% LTV3.750% $100.00
5yr Line/10yr Repayment Up to 80% LTV4.250%$100.00
5yr Line/15yr Repayment Up to 80% LTV4.750%$100.00

APR may vary with credit score and loan to value ratio. 

*Per $10,000 borrowed payment based on 1% of the loan balance. 

** Vibrant Credit Union Home Equity Line of Credit is a variable rate loan and rate may adjust quarterly, however, no more than 1% at each adjustment after consummation of the loan. It is indexed quarterly to the prime rate as published in the Wall Street Journal, minus 1%. Rates quoted may not reflect annual percentage rate (APR). APR may vary with credit score and loan to value ratio. Floor rate for this product is 2.750%. Maximum rate is 18%.

All rates and terms subject to change without notice, and all loans are issued subject to credit approval. Normal lending guidelines apply. $5 Membership required for all consumer loans. $100 application fee.

Other Loan Rates
TypeAPR as Low as
Signature Loan10.00%
Shared Secure**2.00%
Platinum Visa Credit Card9.90%
Classic Visa Credit Card11.90%
Variable Signature Loan+7.00%

*Conventional loan rates. Interest rates determined by individual credit history.
**Above certificate/savings rate earned.
+APR may increase after consummation of the loan.
$5 Membership required for all consumer loans.

Money Market Rates
Average Daily BalanceAPY
$200,000+0.35%
$100,000 - $199,9990.30%
$25,000 - $99,9990.20%
$10,000 - $24,9990.10%
$100 - $9,9990.05%
$0 - $990.00%
IRA Rates
Average Daily BalanceAPY*
$100,000+0.35%
$50,000 - $99,9990.30%
$25,000 - $49,9990.20%
$10,000 - $24,9990.10%
$100 - $9,9990.05%

*APY- Annual Percentage Yield. Any fees could reduce potential earnings.

Super Savings Rates
Average Daily BalanceAPY
$200,000+0.40%
$100,000 - $199,9990.30%
$25,000 - $99,9990.20%
$10,000 - $24,9990.10%
$100 - $9,9990.05%
$0 - $990.00%
Membership/Club Savings Rates
Average Daily BalanceAPY
$200,000+0.10%
$100,000 - $199,9990.10%
$25,000 - $99,9990.10%
$10,000 - $24,9990.10%
$0 - $9,9990.05%
HSA Rates
Average Daily BalanceAPY
$5,000+0.10%
$100 - $4,9990.05%

*All deposits insured to $250,000 by the NCUA. Annual percentage yield based on monthly dividends added to deposit. APY may vary once account is opened. Ask for details. Substantial penalty for early withdrawal. Fees may reduce earnings on accounts.

Checking Rates
Account TypeAPY
High Interest Checking up to $15,0002.25%
High Interest Checking over $15,0000.01%
High Yield Checking0.20%

APY- Annual Percentage Yield. New accounts receive first 50 checks free. Other styles available at full price; prices vary. High interest checking must have direct deposit totaling at least $500 per month. Must post at least 12 signature card transactions every calendar month and must have eDocuments. High yield checking must have eDocuments and must maintain a $25,000 minimum balance. $10 monthly fee if requirements aren't met. Checking program details, benefits and rebates subject to change without notice.

Vehicle Loan Rates
Vehicles/MotorcyclesNon-Standard
Fixed Rate
100% Financing* APR as low as2.15%3.50%
Monthly Payment per $1,000 borrowed**$17.59$18.19
Variable Rate
100% Financing* APR as low as+2.00%3.00%
Monthly Payment per $1,000 borrowed**$15.68$16.68

* Conventional loan rates. Interest rates determined by individual credit score, term of the loan and year of collateral. +Variable rate loan may adjust quarterly after consummation of the loan. Contractual payments will not change, however, the term of your loan may be adjusted. The rate is the highest prime rate published in the Wall Street Journal as of the last business day of the previous month plus (or minus) a margin percentage, determined by your individual credit profile. The floor rate for the variable rate loan is 1.75% APR.  $5 Membership required for all consumer loans.

** Monthly payments based on 60-month loan term.