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Loan Rates
Loan rates effective 08-01-10. Rates are applicable to U.S. operations only.
All rates are shown as Annual Percentage Rate (APR).
New & Used Vehicles - Auto, Trucks, Vans, Boats
Up to 60 months* - as low as 3.45%
66 months** - as low as 3.70%
72 months** - as low as 4.20%
Used Vehicles - Financing available up to 100% of NADA Retail Value
The specific rate & term will be dependent on your credit rating, amount financed, & collateral.
*Minimum loan amount of $12,500 for 60 months
**Minimum loan amount of $25,000
New & Used Travel Trailers and Motor Homes
Up to 72 months - as low as 6.00%
Up to 96 months - as low as 6.50%
Up to 120 months - as low as 7.00%
Up to 144 months - as low as 7.50%
Financing available up to 100% of NADA Retail Value
The specific rate & term will be dependent on your credit rating, amount financed, & collateral.
New & Used Motorcycles
Up to 60 months* - as low as 5.50%
Financing available up to 100% of NADA Retail Value
The specific rate & term will be dependent on your credit rating, amount financed, & collateral.
*Minimum loan amount of $12,500 for 60 months.
Signature Loans
SuperMatic, open term - 12.25%
ValeroMatic, open term - 13.75%
Signature, up to 60 months* - as low as 7.90%
*The specific rate & term will be dependent on your credit rating & amount financed.
Credit Cards
MasterCard/Visa Classic - open term - 12.75%* Variable
MasterCard Gold Family - open term - 11.75%* Variable
MasterCard/Visa Gold - open term - 10.75%* Variable
MasterCard Platinum - open term - 7.75%* Variable
MasterCard Share Secured - open term - 5.75%* Variable
*Rate may vary monthly based on the Prime Rate in the Wall Street Journal.
Share Secured Loans
Share Savings Secured - Savings Rate + 2% - up to 60 months
VFCU Share Certificate Loan - Certificate Rate + 2% - term of Certificate
Other Collateral
Up to 60 months - as low as 6.00%
APR= Annual Percentage Rate.
Percent of selling price or appropriate value guide.
The specific rate & term will be dependent on your credit rating, amount financed, & collateral.
Home Equity Loans (Texas Only)
$5,000 - $9,999 - 60 months - 5.75%
$5,000 - $9,999 - 120 months - 6.25%
$5,000 - $9,999 - 180 months - 6.75%
$10,000 - $24,999 - 60 months - 5.25%
$10,000 - $24,999 - 120 months - 5.75%
$10,000 - $24,999 - 180 months - 6.25%
$25,000 - $49,999 - 60 months - 5.00%
$25,000 - $49,999 - 120 months - 5.65%
$25,000 - $49,999 - 180 months - 6.15%
$50,000 + - 60 months - 4.75%
$50,000 + - 120 months - 5.55%
$50,000 + - 180 months - 6.05%
Minimum loan amount $5,000
Home Equity Line of Credit - HELOC (Texas Only)
Prime + 0% Variable*
Minimum loan amount $8,000.
*Prime rate in Wall Street Journal
Home Improvement Conventional Fixed-Rate (Texas Only)
72 months or less - 6.25%
73 to 180 months - 7.25%
Land Loans Non-Homestead Fixed-Rate (Texas Only)
5 to 7 years - 6.50%
8 to 10 years - 7.00%
11 to 15 years - 7.50%
Interim Construction Loans Fixed Rate (Texas Only)
12 months maximum term - Prime* +0%
*Prime rate in Wall Street Journal
Conventional Mortgage Loans
30 year fixed - 4.250%
15 year fixed - 3.750%
All Mortgage products require a 1% origination fee. Rates may vary according to individual credit scores.
Mortgage loan rates effective 8/16/10 and are subject to change without prior notice.
For specific loan information, contact Lisa Reyna at 210-581-1505 or 800-460-6990.
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