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VAMCO Loan Rates Effective 8/31/2010 - subject to change without notice  
Credit Tier Rating 1 2 3 4 5
Loan Type Term Details/Model APR* APR* APR* APR* APR*
New Vehicles

Up to 60 months

2009-2011  3.95% 4.45% 5.45% 6.45% 8.45%

72 months

2009-2011  4.70% 4-95% 6.95% 8.95% 10.95%
  

Used Vehicles 

 

We lend on antique cars, muscle cars and hot rods too!  See us and SAVE!  

Up to 60 months

 

 

2007-2010 3.95% 4.45% 5.45% 6.45% 8.45%
2003-2006 4.70% 4.95% 6.95% 8.95% 10.95%
           
           

72 months

2008-2010 4.70% 4.95% 6.95% 8.95% 10.95%
           
  
Home Equity
Line of Credit**

5-year draw;
180-month term

Adjustable Rate 4.00% 4.50% 5.00% 5.50% 6.00%

Home Equity**

 

60 Months

Fixed Rate 3.95% 4.45%  5.45% 6.45% 8.45%

61-120 Months

Fixed Rate 4.70% 4.95% 6.95% 8.95% 10.95%
  
Loans on Signature 8.00% 10.50% 13.00% 15.50% 18.00%
  
Visa® Platinum Plus***       (VISA rates are FIXED, 5.90% 8.40% 10.90% 13.40% 15.90%
Visa® Platinum                    not variable!) 8.00% 10.50% 13.00% 15.50% 18.00%
  
VAMCO Checking Overdraft Line of Credit 18.00% 18.00% 18.00% 18.00% 18.00%

 

 

 

*  APR=Annual Percentage Rate
**  Please call for details of our Home Equity Loan Programs
***  Net Pay to VAMCO checking required

Certificate Rates Effective 8/31/2010 - subject to change without notice 
Type Term* Minimum Deposit** APY***

Share Certificate

CD's can be opened with as little as $500!  

Deposit $500 or more to your CD anytime!

3 Month $500 .35%
6 Month $500 .50%
12 Month $500 1.00%
24 Month $500 1.21%
  
IRA Certificate 12 Month $500 1.00%
24 Month $500 1.21%

* Penalty will be imposed for early withdrawal
** Additional deposit minimum $500
*** APY=Annual Percentage Yield

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