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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

TypeAPR* Rate as low as
New Car Special36 mo.48 mo.60 mo.72 mo.
2018-2017 (new) Model Year
100% LTV2.99%3.49%3.49%3.99%
85% LTV2.79%3.29%3.29%3.79%
Auto, Truck, Van36 mo.48 mo.60 mo.72 mo.
2018-2017 Model Year (used)
100% LTV2.99%3.49%3.49%3.99%
85% LTV2.79%3.29%3.29%3.79%
2016-2015 Model Year
100% LTV3.99%4.24%4.24%4.99%
85% LTV3.79%4.04%4.04%4.79%
2014-2013 Model Year
100% LTV4.49%4.79%4.99%5.44%
85% LTV4.29%4.59%4.79%5.29%
2012-2011 Model Year
100% LTV4.99%5.24%5.49%
85% LTV4.79%5.04%5.29%
2010-2009 Model Year
100% LTV6.24%6.49%
85% LTV6.04%6.29%
2008 and older Model Year
85% LTV6.74%7.24%
75% LTV6.54%7.04%
New Recreational, Snowmobile, ATV, etc
Max term 60 months100% LTV
85% LTV
5.99%
5.79%
Used Recreational, Snowmobile, ATM, etc
Max term 60 months90% LTV
75% LTV
6.74%
6.54%
New Boat, Motor Trailer
Max term 84 months100% LTV
85% LTV
4.24%
4.04%
Used Boat, Motor Trailer
Max term 60 months95% LTV
75% LTV
4.99%
4.74%
New Motorcycle
Max term 72 months100% LTV
85% LTV
5.24%
5.04%
Used Motorcycle
Max term 54 months90% LTV
75% LTV
5.99%
5.79%
New Motorhome, Travel Trailer & Camper
Max term 120 months90% LTV
75% LTV
5.24%
5.04%
Used Motorhome, Travel Trailer & Camper
Max term 96 month95% 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