VCCU Loan Services
Virginia Coop Credit Union offers a wide variety of financial products for our members. We offer loans for automobiles, motorcycles, ATVs, snowmobiles, boats, jet skis, fixed and variable rate home equity, and home purchases. We also offer fixed and variable rate unsecured loans, as well as credit cards and student loans. To find the right loan for you please call our office at 218-741-5644.
LOAN RATES
Personal loan rates include a 0.25% discount for VCCU automatic payments (excludes mortgages & credit cards).
LOAN TYPES
We have a wide variety of loans and savvy staff to help match the loan that best fits your needs.
Refinance your Auto Loan AT VCCU
Do the Math! You can save on your car loan if you refinance at VCCU. For a limited time you’ll also receive a $200 gift card.
| Type | APR* Rate as low as | |||
| New Car Special | 36 mo. | 48 mo. | 60 mo. | 72 mo. |
| 2019-2018 (new) Model Year | ||||
| 100% LTV | 3.79% | 4.29% | 4.29% | 4.79% |
| 85% LTV | 3.59% | 4.09% | 4.09% | 4.59% |
| Auto, Truck, Van | 36 mo. | 48 mo. | 60 mo. | 72 mo. |
| 2019-2018 Model Year (used) | ||||
| 100% LTV | 3.79% | 4.29% | 4.29% | 4.79% |
| 85% LTV | 3.59% | 4.09% | 4.09% | 4.59% |
| 2017-2016 Model Year | ||||
| 100% LTV | 4.49% | 4.99% | 4.99% | 5.49% |
| 85% LTV | 4.29% | 4.79% | 4.79% | 5.29% |
| 2015-2014 Model Year | ||||
| 100% LTV | 4.99% | 5.49% | 5.49% | 5.99% |
| 85% LTV | 4.79% | 5.29% | 5.29% | 5.79% |
| 2013-2012 Model Year | ||||
| 100% LTV | 5.49% | 5.99% | 5.99% | — |
| 85% LTV | 5.29% | 5.79% | 5.79% | — |
| 2011-2010 Model Year | ||||
| 100% LTV | 6.49% | 6.99% | — | — |
| 85% LTV | 6.29% | 6.79% | — | — |
| 2009 and older Model Year | ||||
| 85% LTV | 6.99% | 7.49% | — | — |
| 75% LTV | 6.79% | 7.29% | — | — |
| 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 | 4.99% 4.79% | ||
| Used Boat, Motor Trailer | ||||
| Max term 60 months | 95% LTV 75% LTV | 5.49% 5.29% | ||
| New Motorcycle | ||||
| Max term 72 months | 100% LTV 85% LTV | 4.79% 4.59% | ||
| 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% | ||
| Home Equity LOC | ||||
| Up to 80% LTV | 6.00% | |||
| 80-100% LTV | 7.75% | |||
| Fixed Rate Home Equity (minimum $20,000) | ||||
| up to 80% LTV – 1st position only | 4.49% | |||
| Share Savings Secured | ||||
| 2.99% | ||||
| Share Certificate Secured | ||||
| 2.99% | ||||
| Signature Loans (minimum $500) | ||||
| Max term 60 months | 9.24% | |||
| Unsecured Home Improvement | ||||
| Max term 60 Months, $3,000 – $10,000 | 6.49% | |||
| Overdraft Loan | ||||
| 10.00% | ||||
*APR = Annual Percentage Rate
+ 0.25% rate without automatic payment on all fixed rate loans not secured by residence.
+ 0.50% for any boat, motorhome, camper, or trailer over 60 months.
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.
- Cars
- Trucks
- Motorcycles
- Boats
- ATVs
- RVs
- Jet Skis
- Snowmobiles
- Campers
- Fixed-Rate Unsecured
- Variable-Rate Unsecured
- Credit Card
- Overdraft Line of Credit
We have FHA loans, VA loans, and other funding options available. Please call us at 218-741-5644 for rates and to talk to a home mortgage specialist.
Virginia Coop Credit Union – NMLS # 728371
Hannah Wells – NMLS ID# 1579063
Donald Rausch – NMLS ID# 747292
Ethan Brinkman – NMLS ID# 1829178
HOME EQUITY LOANS
What is the difference?
Home Equity Loan – You get a lump sum at the time of the loan. You have a fixed payment and a fixed interest rate for the duration of the loan. Once you get the money, you can not borrow further from the same loan without refinancing. A home equity loan works very similar to an auto loan but has your home as collateral. It is perfect when you know how much you need to borrow at the time of the loan and do not anticipate to borrow more in the near future. You can use this to refinance your home for a lower interest rate, pay off your home before retirement, home improvements, and debt consolidation. Consult you tax advisor for tax deductibility.
Home Equity Line of Credit – A flexible option that allows you to access the equity in your home when you need it. A Home Equity Line of credit has a variable rate and the ability to access the money from the same loan more than once. Once you pay down a balance, you can borrow again. It works similar to a credit card with your home as collateral. It is perfect for the project where you will need to withdraw money more than once, have different cash flow needs at different times, or do not know the final cost of a project at the time of the loan. Home renovations are a great example of when to use a Home Equity Line of Credit. Consult your tax advisor for tax deductibility.
Virginia Coop Credit Union – NMLS # 728371
Donald Rausch – NMLS ID# 747292
Hannah Wells – NMLS ID# 1579063
Ethan Brinkman – NMLS ID# 1829178
VISA CREDIT CARDS
Stop in or call us at 218-749-5644 to get your new card today.
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