Loan Rates

*This disclosure supersedes all previous Loan Rates or brochures prior to this effective date.

Loan Type	*APR as low as**	Term
Loan Type	*APR as low as**	Term
New/Refinance Auto	4.49% 4.99% 5.49% 5.99%	Up to 48 months Up to 60 months Up to 72 months Up to 84 months
Used Auto/Refinance Auto	4.49% 4.99% 5.24% 5.74%	Up to 36 months Up to 48 months Up to 60 months Up to 72 months
New & Used Recreational Vehicle (Motorcycles/Boat & Motor/Travel Trailers)	5.49% 5.74% 5.99% 6.24%	Up to 36 months Up to 48 months Up to 60 months Up to 72 months
Signature Loans	8.40% 9.40%	Up to 36 months Up to 48 months
Shared Secured	3.00% above dividend rate	Up to 120 months
Certificate of Deposits Secured	3.00% above dividend rate	Up to the term of the Certificate of Deposits
MasterCard Credit Card
Classic	9.75% fixed rate	Revolving
Gold	9.00% fixed rate	Revolving

4.49% Up to 48 months

4.99% Up to 60 months

5.49% Up to 72 months

5.99% Up to 84 months

4.49% Up to 36 months

4.99% Up to 48 months

5.24% Up to 60 months

5.74% Up to 72 months

5.49% Up to 36 months

5.74% Up to 48 months

5.99% Up to 60 months

6.24% Up to 72 months

8.40% Up to 36 months

9.40% Up to 48 months

3.00% above dividend rate up to 120 months

3.00% above dividend rate up to the term of the Certificate of Deposits

Classic: 9.75% fixed rate revolving

Gold: 9.00% fixed rate revolving

APR=Annual Percentage Rate. Loan rates shown depend on your credit history and terms of loan. Not all members will qualify for the rates shown. Credit subject to approval. Other restrictions may apply.
Loan applications are required for all loans and credit card types. Must be 18 years of age or older and a member of Valwood Park Federal Credit Union. Rates, terms, and conditions are subject to change and may vary based on credit worthiness. Interest begins accruing the day the loan is funded. Other restrictions may apply.
MasterCard Credit Card rates based on credit worthiness. Credit limit is subject to approval. Membership is required.

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