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Loan Programs | Deposits & Investments | Member Services
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| Loan Programs |
| New/Used Vehicle Loans |
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Cars
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Trucks
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Recreational vehicles
Fast service, LOW rates, 100% financing for qualified members and payroll deduction make us your best financing option. We'll help with vehicle pricing, and our CarQuotes buying program makes it hassle-free.
Yes, we can finance that 1960 Chevy Impala or 1955 Thunderbird you've always dreamed of too.
Deal already done? Check with us TODAY on a refinance. Chances are we can save you some money!
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| Visa Platinum Cards |
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We offer two VISA Platinum Cards. Our Platinum Plus Card has the lowest rate and is available with Direct Deposit of your net pay or recurring government payments like social security into your VAMCO Share Draft Checking Account. There is no annual fee with either card, and card rates are fixed - not variable - so you won't be shocked with periodic rate changes!
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| Share Secured Loan |
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Borrow using money saved in your Prime Share account and you get the best rate we offer, for as long as you need the loan!
We also have an adjustable rate program for funds pledged in a VAMCO Credit Union Certificate of Deposit (CD). The rate is 2% APR* above the APY** of your CD for up to 60 months. You can borrow up to the amount of your CD, and when it renews the loan rate will go up or down based on the new CD rate.
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| Automatic Overdraft Loans |
| Write yourself a loan up to $500 from your checking account! Automatic overdraft protection loans are the best way to avoid paying bounced check fees when you don't have money at your immediate disposal. |
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| Home Equity Loans/Lines of Credit |
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Our Fixed-Rate Home Equity Loans and Home Equity Lines of Credit can help you achieve your goals. Whether you're planning to remodel, pay college tuition, consolidate debt or take on your own personal challenge, we'll turn the equity in your home into money you can use right now.
We'll give you a great rate and help choose the right program for you. Plus, if you're a qualified homeowner, the interest you pay on your Credit Union Home Equity Loan could be tax deductible, just consult your tax advisor for details regarding deductibility of interest.
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| First Mortgages |
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VAMCO is a partner with the credit union owned CUSO, CU/America Financial Services. The mortgage experts at CU/America Financial Services work with you through every step to ease the approval process - so you can concentrate on packing up and moving to the house of your dreams.
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| Signature Loans |
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Get cash fast for appliances, computers, travel and more! With your good credit you need no more than your signature to borrow! Payroll deduction or direct deposit makes it easy to repay too.
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| Freedom Loans |
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Freedom Loans are designed to help members save, establish credit, or rebuild damaged credit.
Instead of handing you a check, Freedom Loan proceeds are deposited into an interest-bearing share account in your name and held until the loan is paid in full. You make normal payments, and once the loan is paid in full, the original loan amount and accumulated interest are yours!
You end up with a good credit rating from a respected creditor, and all the money pledged for your loan including the accrued interest!
*APR=Annual Percentage Rate
**APY=Annual Percentage Yield
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| Deposits and Investments |
| Free Share Draft Checking |
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No minimum balance needed, No per check charges, No monthly charges, FREE stop payments, FREE overdraft transfers from savings, VISA Check Cards, and much more!
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| Prime Savings |
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Keep your liquid assets in an account that's at your disposal 24/7. With savings insured by the NCUA, the safest federal insurance fund, you can rest easy.
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| Christmas/Vacation Club Accounts |
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Set money aside so it's there when you need it!
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| High-Yield Share Certificates & IRAs |
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Earn more with insured safety. Our Advantage Share Certificates allow deposits of $500 or more to them at any time. When you have money to put away, you can do it NOW and earn the same high rate!
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| Member Services |
| Internet Banking |
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Visit your money 24 hours a day, seven days a week - With NETBRANCH Internet Banking and our Telephone Teller (847-390-8262) you can do account inquiries, transfers between your accounts, make loan payments from savings, check withdrawals and so much more when you want, day or night.
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| Payroll Deduction |
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It's the easy way to save. You can spread your deduction over several accounts too.
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| Direct Deposit |
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Have your paycheck or pension check automatically deposited to your account the safe, easy way. Print a direct deposit form.
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| Full Family and Lifetime Membership |
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All your family members related by blood or marriage can join VAMCO! Keep $25 on deposit and your membership is lifelong, even if you change jobs or move to faraway places. Don't lose a valuable option to credit and financial education!
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| Cash Withdrawals |
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You can withdraw up to $500 per member per day. When you're in the neighborhood and need money come in and see us!
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| Notary Public |
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Free for our members.
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| "At Work" Service Visits |
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We come to you at work as your company allows so you can ask questions, fill out forms etc. when it's convenient for you! See your HR department and have us in today!
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Free Money Orders, VISA Gift Cards, VISA TravelMoney Cards and Cashiers Checks
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Can't beat the price!
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| Financial Education |
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There is something of interest to everyone in the family at Home & Family Finance on our web site! Test your financial knowledge.
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| Night Depository |
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Drop off deposits, loan applications and other important financial papers at our door in a safe, secure environment.
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| Se Habla Español |
| Our Spanish speaking staff is ready to serve your needs. |
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