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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.

VCCU has Motorcycle Loans


Personal loan rates include a 0.25% discount for VCCU automatic payments (excludes mortgages & credit cards).

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We have a wide variety of loans and savvy staff to help match the loan that best fits your needs.

Find out more.

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.

Find out more.


Type APR* Rate as low as
New Car Special 36 mo. 48 mo. 60 mo. 72 mo.
2020-2019 (new) Model Year
100% LTV 3.49% 3.99% 3.99% 4.49%
85% LTV 3.24% 3.74% 3.74% 4.24%
Auto, Truck, Van 36 mo. 48 mo. 60 mo. 72 mo.
2020-2019 Model Year (used)
100% LTV 3.49% 3.99% 3.99% 4.49%
85% LTV 3.24% 3.74% 3.74% 4.24%
2018-2017 Model Year
100% LTV 3.99% 4.49% 4.49% 4.99%
85% LTV 3.74% 4.24% 4.24% 4.74%
2016-2015 Model Year
100% LTV 4.49% 4.99% 4.99% 5.49%
85% LTV 4.24% 4.74% 4.74% 5.24%
2014-2013 Model Year
100% LTV 4.99% 5.49% 5.49% 5.99%
85% LTV 4.74% 5.24% 5.24% 5.74%
2012-2011 Model Year
100% LTV 5.99% 6.49% 6.99%
85% LTV 5.74% 6.24% 6.74%
2010 and older Model Year
100% LTV 6.49% 6.99% 7.49%
85% LTV 6.24% 6.74% 7.24%
New Recreational, Snowmobile, ATV, etc
Max term 60 months 100% LTV
80% LTV
Used Recreational, Snowmobile, ATM, etc
Max term 60 months 90% LTV
75% LTV
New Boat, Motor Trailer
Max term 120 months 100% LTV
80% LTV
Used Boat, Motor Trailer
Max term 84 months 95% LTV
75% LTV
New Motorcycle
Max term 72 months 100% LTV
80% LTV
Used Motorcycle
Max term 54 months 90% LTV
75% LTV
New Motorhome, Travel Trailer & Camper
Max term 120 months 90% LTV
75% LTV
Used Motorhome, Travel Trailer & Camper
Max term 84 month 95% LTV
80% LTV
Home Equity LOC
Up to 80% LTV 4.25%
 80-100% LTV 6.00%
Fixed Rate Home Equity (minimum $20,000)
15 year – up to 80% LTV – 1st position only 4.29%
10 year – up to 80% LTV – 1st position only 3.79%
Share Savings Secured
Share Certificate Secured
Signature Loans (minimum $500)
Max term 60 months


Unsecured Home Improvement
Max term 60 Months, $3,000 – $10,000 6.49%
Overdraft Loan

*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.


VCCU loans offer competitive interest rates and friendly, personalized service. We offer a 0.25% discount for an automatic payment from a VCCU account.
We offer great rates on secured loans for new and used vehicles of all types, including:

  • Cars
  • Trucks
  • Motorcycles
  • Boats
  • ATVs
  • RVs
  • Jet Skis
  • Snowmobiles
  • Campers
Unsecured loans use only the borrower’s signature and promise to pay as collateral. VCCU offers the following types of Unsecured or Signature loans:

  • Fixed-Rate Unsecured
  • Variable-Rate Unsecured
  • Credit Card
  • Overdraft Line of Credit
Buying a home? VCCU can help!

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

Virginia Coop is pleased to now offer Sallie Mae student loans.

Get Started Here

VCCU offers both fixed and variable rate 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

Virginia Coop offers a VISA card with no annual fee and annual percentage rates as low as 9.99%.

Stop in or call us at 218-749-5644 to get your new card today.

Access Your VISA Account Online



811 4th Street North
Virginia, MN 55792


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


Got Questions?

Give us a call at 218-741-5644. We're here to help!