Certificate Rates

Rates** Effective July 1, 2012

Terms available are 6 months to 60 months. All Share certificates have a minimum balance of $1,000, except for the 12 Month Jumbo Certificate which has a minimum balance of $100,000. The Apple Platinum .25% rate bonus, excludes 12 Month Jumbo and IRA Certificates. Penalties apply for early withdrawal. Please call (757) 930-2425 or toll free (800) 930-2425 if you have any questions. The current rates and yields include:

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Certificate Rates
Term Type Minimum Dividend Rate APY*
6 Months Regular $1,000 0.15% 0.15%
12 Months Regular $1,000 0.20% 0.20%
12 Months IRA $1,000 0.20% 0.20%
12 Months Education/Coverdell $1,000 0.20% 0.20%
12 Months Roth $1,000 0.20% 0.20%
24 Months Regular $1,000 0.35% 0.35%
24 Months IRA $1,000 0.35% 0.35%
24 Months Education/Coverdell $1,000 0.35% 0.35%
24 Months Roth $1,000 0.35% 0.35%
36 Months Regular $1,000 0.55% 0.55%
36 Months IRA $1,000 0.55% 0.55%
36 Months Education/Coverdell $1,000 0.55% 0.55%
36 Months Roth $1,000 0.55% 0.55%
48 Months Regular $1,000 0.80% 0.80%
48 Months IRA $1,000 0.80% 0.80%
48 Months Education/Coverdell $1,000 0.80% 0.80%
48 Months Roth $1,000 0.80% 0.80%
60 Months Regular $1,000 1.30% 1.31%
60 Months IRA $1,000 1.30% 1.31%
60 Months Education/Coverdell $1,000 1.30% 1.31%
60 Months Roth $1,000 1.30% 1.31%

*Annual Percentage Yield
**All rates are subject to change without prior notice.

Individual Retirement Accounts
As provided by the Economic Recovery Act of 1981, all individuals with earned income can establish an Individual Retirement Account for themselves, contributing as much as $5,000 per year toward their retirement. Individual Retirement Accounts are offered to our members in addition to our current savings programs, and carry no fee for opening the account. For specific information regarding interest rates and account features, contact VECU at (757) 930-2425 or toll free (800) 930-2425.