Our Rates Give you Something to Smile About
Take back control of your auto loan. Refinance your vehicle at Virginia Coop Credit Union and we’ll reward you with more than a low rate.
Financing at VCCU could save you hundreds of dollars over the life of your loan. Best of all, we make the loan process quick and easy. What do you have to lose?
Don’t delay; take advantage of this great offer. Call a loan officer today at 218-741-5644, or stop by our office.
Vehicle Rates
| Type | APR* Rate as low as | |||
| New Car Special | 36 mo. | 48 mo. | 60 mo. | 72 mo. |
| 2018-2017 (new) Model Year | ||||
| 100% LTV | 2.99% | 3.49% | 3.49% | 3.99% |
| 85% LTV | 2.79% | 3.29% | 3.29% | 3.79% |
| Auto, Truck, Van | 36 mo. | 48 mo. | 60 mo. | 72 mo. |
| 2018-2017 Model Year (used) | ||||
| 100% LTV | 2.99% | 3.49% | 3.49% | 3.99% |
| 85% LTV | 2.79% | 3.29% | 3.29% | 3.79% |
| 2016-2015 Model Year | ||||
| 100% LTV | 3.99% | 4.24% | 4.24% | 4.99% |
| 85% LTV | 3.79% | 4.04% | 4.04% | 4.79% |
| 2014-2013 Model Year | ||||
| 100% LTV | 4.49% | 4.79% | 4.99% | 5.44% |
| 85% LTV | 4.29% | 4.59% | 4.79% | 5.29% |
| 2012-2011 Model Year | ||||
| 100% LTV | 4.99% | 5.24% | 5.49% | — |
| 85% LTV | 4.79% | 5.04% | 5.29% | — |
| 2010-2009 Model Year | ||||
| 100% LTV | 6.24% | 6.49% | — | — |
| 85% LTV | 6.04% | 6.29% | — | — |
| 2008 and older Model Year | ||||
| 85% LTV | 6.74% | 7.24% | — | — |
| 75% LTV | 6.54% | 7.04% | — | — |
| New Recreational, Snowmobile, ATV, etc | ||||
| Max term 60 months | 100% LTV 85% LTV | 5.99% 5.79% | ||
| Used Recreational, Snowmobile, ATM, etc | ||||
| Max term 60 months | 90% LTV 75% LTV | 6.74% 6.54% | ||
| New Boat, Motor Trailer | ||||
| Max term 84 months | 100% LTV 85% LTV | 4.24% 4.04% | ||
| Used Boat, Motor Trailer | ||||
| Max term 60 months | 95% LTV 75% LTV | 4.99% 4.74% | ||
| New Motorcycle | ||||
| Max term 72 months | 100% LTV 85% LTV | 5.24% 5.04% | ||
| Used Motorcycle | ||||
| Max term 54 months | 90% LTV 75% LTV | 5.99% 5.79% | ||
| New Motorhome, Travel Trailer & Camper | ||||
| Max term 120 months | 90% LTV 75% LTV | 5.24% 5.04% | ||
| Used Motorhome, Travel Trailer & Camper | ||||
| Max term 96 month | 95% LTV 85% LTV | 5.99% 5.79% | ||
*APR = Annual Percentage Rate
Final Rate is dependent on credit. Rates stated reflect 720+ credit bureau score.
LTVs over 100% may be available on some loans. Call our office for details.
VIRGINIA COOP CREDIT UNION
Address
811 4th Street North
Virginia, MN 55792
Hours
Lobby, Mon-Fri: 9 am - 5 pm
Drive-Up, Mon-Thu: 8:30 am - 5 pm
Fri: 8:30 am - 5:30 pm
Contact Us
Phone: (218) 741-5644
Toll Free: 1-877-741-5644
Lost VISA Card: 1-800-325-3678
Lost Shazam MasterCard: 1-866-508-2693
Email: vccu@vccu.org