New/ Used Vehicle Loans  (2019 and newer, includes motorcycles)
Rates effective: Nov 9, 2023

Term	APR as low as	APR up to
Up to 48 months	5.30%	15.69%
49 – 60 months	5.80%	16.79%
61 – 66 months	6.30%	17.79%
67 – 75 months	6.55%	18.89%
76 – 84 months	7.79%	19.69%

Refinanced Vehicle Loans (2019 and newer)
Rates effective: Nov 9, 2023

Term	APR as low as	APR up to
Up to 48 months	5.30%	15.69%
49 – 60 months	5.80%	16.79%
61 – 66 months	6.30%	17.79%
67 – 75 months	6.55%	18.89%
76 – 84 months	7.79%	19.69%

2018 and Older Vehicles or Motorcycles
Rates effective: Nov 9, 2023

Term	APR as low as	APR up to
Up to 48 months	5.80%	16.69%
49 – 60 months	6.30%	17.79%
61 – 66 months	6.80%	18.79%
67 – 75 months	7.05%	19.89%
76 – 84 months	8.30%	20.69%

2018 and Older Refinanced Vehicles
Rates effective: Nov 9, 2023

Term	APR as low as	APR up to
Up to 48 months	5.80%	16.69%
49 – 60 months	6.30%	17.79%
61 – 66 months	6.80%	18.79%
67 – 75 months	7.05%	19.89%
76 – 84 months	8.30%	20.69%

Boat Loans
Rates effective: Nov 9, 2023

Type of Loan	Term	APR as low as	APR up to
New/Current	Up to 120 months	6.09%	17.79%
Used	Up to 120 months	8.74%	19.29%

Personal Loans/ Lines of Credit
Rates effective: Nov 9, 2023

Type of Loan	Term	APR as low as	APR up to
Personal Line of Credit	Not applicable	10.69%	20.69%
Overdraft Protection Line of Credit	Not applicable	10.69%	20.69%
Personal Loan	Up to 42 months	9.69%	20.69%
Salary Advance Loan	Up to 6 months	21.00%	21.00%

The rates shown include the maximum Relationship Reward Discount.

*Risk Based Pricing: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness and other factors. Existing VECU loans are not eligible for refinance. Used vehicle rates as low as 6.00% APR on 2018 vehicles and older. Please ask us for the rate that you qualify for, as all terms may not be available, and rates may change at any time.