Rates.

Rates

Keep in mind

The following rates are effective as of June 29, 2015, 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

Regular 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 years4.250%4.291%$49.19
20 years4.000%4.056%$60.60
15 years3.375%3.446%$70.88
10 years2.990%3.102%$96.56
Balloon Rate
7 years3.500%3.660%$44.90
5 years3.125%3.228%$42.84

Rates quoted as of effective date and may vary with amount of loan and loan-to-value ratio LTV. 30 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.

Certificate Rates by Type
Certificate TypeAPY
5-Year Add-On Certificate2.02%
40-Month Bump-Up Certificate+1.26%
33-Month Certificate2.00%

+ During the term of this certificate, you may request that Vibrant Credit Union raise your rate to the current Vibrant Credit Union published rate on the 40-month certificate. You will then earn that higher rate for the remainder of the term of the certificate. You may only exercise this feature one time during the term of your certificate. Promotional rates made available in special offers are excluded. Account automatically renews at maturity for a 36-month term at the dividend rate in effect on the maturity date.

*All deposits insured to $250,000 by the NCUA. Annual percentage yield based on monthly dividends added to deposit. APY may vary when dividends are deposited to the account. Dividends may be paid quarterly, semi-annually or annually. Ask for details. Substantial penalty for early withdrawal. Fees may reduce earnings on the account.

Vehicle Loan Rates
Vehicles/MotorcyclesNon-Standard
Variable Rate
100% Financing* APR as low as1.75%3.00%
Monthly Payment per $1,000 borrowed**$17.42$17.97
Fixed Rate
100% Financing* APR as low as1.90%3.50%
Monthly Payment per $1,000 borrowed**$17.48$18.19

* 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.

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

Home Equity Loan Rates
Term/FinancingAPR as Low asMonthly Payment per $10,000 Borrowed
EquityAdvantage
Fixed Line of Credit4.750%$100.00
Variable Rate Equity Line of Credit
80% Financing2.250% $100.00
100% Financing3.750%$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 Variable LOC 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 2.25%. 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.

Other Loan Rates
TypeAPR as Low as
Signature Loan7.00%
Shared Secure**2.00%
Platinum Visa Credit Card9.90%
Classic Visa Credit Card11.90%

*Conventional loan rates. Interest rates determined by individual credit history.
**Above certificate/savings rate earned.

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+0.50%
$50,000 - $99,9990.35%
$25,000 - $49,9990.30%
$10,000 - $24,9990.20%
$100 - $9,9990.10%
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%
Regular Savings Rates
Average Daily BalanceAPY
$200,000+0.10%
$100,000 - $199,9990.10%
$25,000 - $99,9990.10%
$10,000 - $24,9990.10%
$100 - $9,9990.05%
$0 - $990.00%
HSA Rates
Average Daily BalanceAPY
$5,000+0.10%
$100 - $4,9990.10%

*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.

CheckingRewards Rates
Average Daily BalanceAPY
$5,000+0.20%
$1,000 - $4,9990.10%
$0 - $9990.00%

New accounts receive first 50 checks free. Other styles available at full price; prices vary. $10 monthly fee if average daily balance falls below $2500. Checking program details, benefits and rebates subject to change without notice.