Rates

Rates quoted are effective as of January 21st, 2020 unless otherwise noted and may vary with amount of loan and loan-to-value ratio LTV. 45 day lock. Rates quoted based on $150,000 mortgage, 80% LTV, credit score, owner occupied only. Annualized Percentage Rate APR includes interest, certain fees and points as applicable according to federal law. Payments displayed do not include taxes and insurance, actual payments may be greater. $595 origination fee. 

Veterans Affair (VA)-  Available to Veterans, service members, and eligible spouses. https://www.benefits.va.gov/homeloans/purchaseco_eligibility.asp

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

*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.

*APY= 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. 

**HELOC can go up to 100% LTV. 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

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

APY= Annual Percentage Yield

APY= Annual Percentage Yield

*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. To qualify for the 3.50% APY and ATM fee reimbursements in the Moneymaker Checking Account members must have estatements, must have direct deposit of at least $500 a month, and must have 12 swipes on their Vibrant debit card per month. To qualify for the 5.00% APY for the Moneymaker Checking paired with the standard Vibrant Credit Card, members must use our standard Vibrant Credit Card and spend at least $1000 per month. Transactions made on the Vibrant Rewards Credit Card are non qualifying transactions.  Any purchases that are returned on the credit card will not count towards the $1,000 qualification to earn 5.00% APY. If requirements are not met, the rate will be .10% APY for total balance. If requirements are met, funds over $10,000 will be at .20% APY. Moneymaker account limited to one account per member. Federally Insured by the NCUA. 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. $5 Membership required for all consumer loans.

** Monthly payments for fixed standard loan based on 72 - month loan term. Monthly payments for nonstandard loan based on 48 - month loan.