Rates

Rates quoted are effective as of  October 16, 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. 

*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. 

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

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.

*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.

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

*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.

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.

* 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.