Our Rates
Savings Accounts
Welcome to our rates page!
Start your account today with our online application! In three easy steps, you can complete the requested information online. We will follow up with you as soon as possible to complete your account. To get started, click here.
Whether you want to save or borrow, we are your trusted source for competitive rates and outstanding service.
For details regarding our current rates, please refer to the chart below.
| Product | Dividend Rate1 | Annual Percentage Yield | Minimum Balance to Earn Dividend | Maximum Balance to Earn Dividend |
| Savings | 0.10% | 0.10% | $5.00 - $2,499 | |
| 0.15% | 0.15% | $2,500+ | |
| Money Market Account | 0.00% | 0.00% | $5.00 - $2,499 | |
| 0.70% | 0.70% | $2,500 - $9,999 | |
| 0.70% | 0.70% | $10,000 - $24,999 | |
| 0.85% | 0.85% | $25,000 - $74,999 | |
| 1.24% | 1.25% | $75,000 - $99,999 | |
| 1.34% | 1.35% | $100,000+ | |
| High Yield Savings | 3.20% | 3.25% | $10,000 | $50,000 |
| Holiday Club | 0.10% | 0.10% | $0.00 - $2,499 | |
| 0.15% | 0.15% | $2,500+ | |
| You Name It | 0.10% | 0.10% | $0.00 - $2,499 | |
| 0.15% | 0.15% | $2,500+ | |
| HSA Savings | 1.49% | 1.50% | $5.00+ | |
1) All savings rates are quoted as annual percentage yields. Anticipated APYs are accurate as May 1, 2025. High Yield Savings accounts are available as of September 10, 2023. Rates are reviewed Monthly and are subject to change. Please speak with a member services representative for information about applicable rates and fees.
Checking Accounts
| Product | Dividend Rate2 | Annual Percentage Yield | Minimum Balance to Earn Dividend |
| Smart Choice Checking | 0.00% | 0.00% | $0.00 - $9,999 |
| 0.00% | 0.00% | $10,000 - $49,999 |
| 0.00% | 0.00% | $50,000+ |
| HSA Checking | 0.00% | 0.00% | $0.00 - $9,999 |
| 0.00% | 0.00% | $10,000 - $49,999 |
| 0.00% | 0.00% | $50,000+ |
2) All checking rates are quoted as annual percentage yields. Anticipated APYs are accurate as of May 1, 2025. Rates are reviewed Monthly and are subject to change. Please speak with a member services representative for information about applicable rates and fees.
Certificates, IRAs & CESAs
Certificates & IRA Certificates
| Product | Term | Dividend Rate3 | Annual Percentage Yield | Minimum Balance |
| Member | 6 Months | 3.39% | 3.45% | $1,000 |
| 12 Months | 3.63% | 3.70% | $5,000 |
| 18 Months | 3.68% | 3.75% | $5,000 |
| 24 Months | 3.20% | 3.25% | $5,000 |
| 36 Months | 3.20%
| 3.25 | $5,000 |
| 48 Months | 3.20% | 3.25% | $5,000 |
| 60 Months | 3.20% | 3.25% | $5,000 |
| MemberPLUS | 6 Months | 3.44% | 3.50% | $1,000 |
| 12 Months | 3.68% | 3.75% | $5,000 |
| 18 Months | 3.73%
| 3.80%
| $5,000 |
| 24 Months | 3.25%
| 3.30%
| $5,000 |
| 36 Months | 3.25%
| 3.30%
| $5,000 |
| 48 Months | 3.25% | 3.30%
| $5,000 |
| 60 Months | 3.25% | 3.30%
| $5,000 |
| Bump-Up | 24 Months | 3.20%
| 3.25%
| $5,000 |
| Youth | 6 Months | 3.39% | 3.45% | $250 |
| 12 Months | 3.63%
| 3.70%
| $250 |
3) The rates quoted above are accurate and effective for the above accounts as of the effective date indicated. Certificate rates remain fixed for the term of the certificate. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. Please speak with a member services representative for information about applicable rates and fees. Certificate rates are accurate as of May 1, 2025.
IRA and CESA
| Account | Dividend Rate4 | Annual Percentage Yield | Minimum Balance to Earn Dividend |
| Traditional, ROTH, & SEP IRAs | 0.00% | 0.00% | $0 - $2,499 |
| 0.70% | 0.70% | $2,500 - $9,999 |
| 0.70% | 0.70% | $10,000 - $24,999 |
| 0.85% | 0.85% | $25,000 - $74,999 |
| 1.24% | 1.25% | $75,000 - $99,999 |
| 1.34% | 1.35% | $100,000+ |
| Coverdell Education Savings Accounts | 0.00% | 0.00% | $0 - $2,499 |
| 0.70% | 0.70% | $2,500 - $9,999 |
| 0.70% | 0.70% | $10,000 - $24,999 |
| 0.85% | 0.85% | $25,000 - $74,999 |
| 1.24% | 1.25% | $75,000 - $99,999 |
| 1.34% | 1.35% | $100,000+ |
4) All IRA and CESA rates are quoted as annual percentage yields. Anticipated APYs are accurate as of May 1, 2025. Rates are reviewed Monthly and are subject to change. Please speak with a member services representative for information about applicable rates and fees.
Vehicles
Apply Now!
For details regarding our current rates, please refer to the charts below.
| New Car, Truck, SUV, or Van | | APR5 |
| Up to 36 Months | Ask about our Protection Plans! | 4.75% - 16.00% |
| Up to 48 Months | Ask about our Protection Plans! | 5.00% - 16.75% |
| Up to 60 Months | Ask about our Protection Plans! | 5.50% - 17.00% |
| Up to 66 Months | Minimum loan amount of $15,000 | 5.75% - 17.25% |
| Up to 72 Months | Minimum loan amount of $20,000 | 6.00% - 16.00% |
| Up to 78 Months | Minimum loan amount of $20,000 | 6.25% - 10.50% |
| Up to 84 Months | Minimum loan amount of $30,000 | 7.00% - 10.75% |
| Used Car, Truck, SUV, or Van | | APR5 |
| Up to 36 Months | Ask about our Protection Plans! | 5.00% - 16.25% |
| Up to 48 Months | Ask about our Protection Plans! | 5.25% - 17.00% |
| Up to 60 Months | Ask about our Protection Plans! | 5.75% - 17.25% |
| Up to 66 Months | Minimum loan amount of $15,000 | 6.00% - 17.50% |
| Up to 72 Months | Minimum loan amount of $20,000 | 6.25% - 16.25% |
| Up to 78 Months | Minimum loan amount of $20,000 | 6.50% - 10.75% |
| Up to 84 Months | Minimum loan amount of $30,000 | 7.25% - 11.00% |
| New Boats | | APR5 |
| Up to 84 Months | Ask about our Protection Plans! | 6.50% - 10.50% |
| Up to 120 Months | Minimum Loan $50,000 | 7.00% - 11.00% |
| Up to 180 Months | Minimum Loan $75,000 | 7.00% - 11.00% |
| Used Boats | | APR5 |
| Up to 84 Months | Ask about our Protection Plans! | 7.00% - 11.00% |
| Up to 120 Months | Minimum Loan $50,000 | 7.50% - 11.50% |
| Up to 180 Months | Minimum Loan $75,000 | 7.50% - 11.50% |
| Other Watercraft - Jet Skis & Wave Runners | Must Be Titled | APR5 |
| New Up to 84 Months | All Loan Amounts | 6.50% - 10.50% |
| Used Up to 84 Months | All Loan Amounts | 7.00% - 11.00% |
| New Campers, Travel Trailers, and Motorhomes | | APR5 |
| Up to 84 Months | Ask about our Protection Plans! | 7.00% - 11.00% |
| Up to 120 Months | Minimum Loan $50,000 | 7.50% - 11.50% |
| Up to 180 Months | Minimum Loan $75,000 | 7.50% - 11.50% |
| Used Campers, Travel Trailers, and Motorhomes | | APR5 |
| Up to 84 Months | Ask about our Protection Plans! | 7.50% - 11.50% |
| Up to 120 Months | Minimum of $50,000 | 8.00% - 12.00% |
| Up to 180 Months | Minimum Loan $75,000 | 8.00% - 12.00% |
| Motorcycles, ATVs, & Side-by-Sides | Must Be Titled | APR5 |
| New Up to 60 Months | All Loan Amounts | 6.50% - 10.50% |
| Used Up to 60 Months. | All Loan Amounts | 7.00% - 11.00% |
| New Up to 84 Months | All Loan Amounts | 6.50% - 10.50% |
| Used Up to 84 Months | All Loan Amounts | 7.00% - 11.00% |
| Misc. Secured - Golf Carts, Horse Trailers, & Utility Vehicles | | APR5 |
| New Up to 60 Months | All Loan Amounts | 6.50% - 10.50% |
| Used Up to 60 Months | All Loan Amounts | 7.00% - 11.00% |
5) APR = Annual Percentage Rate. Rates are quoted as ranges and your rate will be determined by your ability to repay, creditworthiness, risk score, and the terms of the loan. Not everyone will qualify for the lowest rate. A down payment may be required. Value for used vehicles will be determined by NADA. Membership and credit requirements apply. Contact the Credit Union for complete details. Maximum amount is $100,000 and maximum rate is 17.50%. The interest rate charged and the annual percentage rate are constant for the life of the loan. Assuming a $20,000 loan amount, a 3-year term, and a 4.75% APR, you would make 36 monthly payments of $598.20. Not all terms are available, depending on the age of the vehicle and the individual’s creditworthiness. Please call for a quote.
While every effort has been made to ensure that this website contains accurate and current information regarding rates and other terms, errors may occur. Rates quoted are subject to correction and change by Velocity Community Credit Union.
Home
Apply Now!
Please visit our Mortgage Center for information about Purchases and Refinances. Rates are subject to change daily.
Mortgage Loans
| Conventional and FHA | | APR6 |
| Terms from 10 to 30 Years | Fixed rate products including Primary, Vacation, and Investment Homes | Call for a quote! |
| EZ Refinance | | Rate | APR6 |
| 5 Year Term | Alternative Refinance - fast, easy, and no closing costs1 | 5.500% | 5.500% |
| 10 Year Term | Alternative Refinance - fast, easy, and no closing costs1 | 5.750% | 5.750% |
| 15 Year Term | Alternative Refinance - fast, easy, and no closing costs1 | 6.000% | 6.000% |
Home Equity Loans
| Home Equity Line of Credit (HELOC) | | APR6 |
| 10 Year Draw | No closing costs7 | Prime8 |
| Fixed Home Equity | | APR6 |
| 5 - 15 Year Terms | No closing costs1 | as low as 6.25% |
6) APR=Annual Percentage Rate. Rates subject to change without notice. Velocity reserves the right to restrict LTV limits. Individual rates will be determined by creditworthiness, ability to repay, loan to value (LTV), property type, and term. Contact the Credit Union for complete details.
7) The Credit Union may pay closing costs to third parties when the loan closes and disburses. Should the loan application be canceled by the member, declined, or credit cannot be granted, the member will be responsible for reimbursement to the Credit Union of all expenses incurred by the Credit Union on the member’s behalf prior to the point of cancellation. If your loan requires an appraisal, you will be responsible for this fee. EZ Refi loans may require reimbursement of all closing costs if paid off within 36 months of closing. Should evidence of possible termites and/or termite damage be found during the appraisal inspection, the member will be responsible for the payment of all termite inspection, treatment, and/or repairs recommended prior to closing and funding the loan.
8) Prime Rate as published in the Wall Street Journal and adjusted monthly. The Floor rate is 4.00% APR and Life Cap is 16.00% APR.
Personal and Student
Apply Now for a Personal Loan! Apply Now for a Student Loan!
For details regarding our current rates, please refer to the chart below.
| Personal Loans | | APR ⁹ |
| Up to 60 Months | Borrow up to $30,000 | 10.74% - 18.00% APR |
| Student Loans | | APR ⁹ |
| Up to 15 Years | Three options available available - see Student Loan page for details | 11.05% APR |
| Credit Builder Loans | | APR ⁹ |
| Up to 36 Months | Borrow between $500 - $5,000 to rebuild credit - see loan page for details. | 7.99% APR |
| Savings Pledge Loans | | APR ⁹ |
| Up to 48 Months | Use your savings as collateral | Dividend Rate + 3.00% |
| Up to 72 Months | Use your savings as collateral | Dividend Rate + 3.00% |
| Up to 96 Months | Use your savings as collateral | Dividend Rate + 3.00% |
| Up to 120 Months | Use your savings as collateral | Dividend Rate + 3.00% |
| Certificate Pledge Loans | | APR ⁹ |
| Maturity Date of Certificate | Use your certificate as collateral | CD Rate + 3.00% |
9) APR= Annual Percentage Rate. All loan rates are quoted as annual percentage rates.
10) Please call for a quote. Rates are quoted as ranges and your rate will be determined by your creditworthiness.
Credit Cards
Apply Now!
| Rewards VISA Credit Card | | Variable APR11 |
| Current Rewards Cardholders | No Annual Fee. Get 1.5 points for all transactions, plus bonus points on gas & grocery purchases! | 15.75% - 18.00% |
| New Cardholders | 0% Introductory Rate for 12 Months on balance transfers made within 90 days of account opening with no balance transfer fee. | after which the standard variable rate will be: |
| No Annual Fee. Get 1.5 points for all transactions, plus bonus points on gas & grocery purchases! | 15.75% - 18.00% |
| Platinum Low-Rate VISA Credit Card | | Variable APR11 |
| Current Cardholders | No Annual Fee | 13.75% - 18.00% |
| New Cardholders | 0% Introductory Rate for 12 Months on balance transfers made within 90 days of account opening with no balance transfer fee. | after which the standard variable rate will be: |
| No annual fee | 13.75% - 18.00% |
| VISA Secured Credit Cards | | Variable APR11 |
| Platinum Rewards Secured VISA | Terms as noted above for respective card type. | 18.00% |
| Low-Rate Platinum Secured VISA | Terms as noted above for respective card type. | 18.00% |
Click here to view a copy of our Credit Card Disclosure (also known as a Schumer Box) for more detailed rate and disclosure information.
11) APR=Annual Percentage Rate. Variable-rate is based on the Prime Rate as published in The Wall Street Journal, currently 7.50% APR plus margin, as of April 8, 2025. Contact Velocity Community Credit Union for complete details. Annual Percentage Rate will not exceed 18.00% APR. Rates are quoted as ranges and your rate will be determined by your creditworthiness.
While every effort has been made to ensure that this website contains accurate and current information regarding rates and other terms, errors may occur. Rates quoted are subject to correction and change by Velocity Community Credit Union.
