Loan Rates

Applying for loans at Virginia Educators Credit Union (VECU) is easy! Just click here... You may also apply for a VECU loan by calling (757) 930-2425 and using Loan-By-Phone (option #2).

We offer competitive loan and credit card rates. For more information about our loan products, click on the links below.

Do you have questions about special financing or manufacturer's rebates? Use our Special Loan Payment Calculator to calculate your loan payment.

Rates on this page are effective as of October, 2013


New and Used Vehicle Rates - We offer our members low interest rates on new vehicle loans. You may receive VECU new vehicle financing at any VECU office or at any participating dealership location.

Refinanced Vehicle Rates - VECU offers low interest rates on used vehicle loans. You may receive VECU new vehicle financing at any VECU office or at any participating dealership location.

Other Loan Rates - VECU can offer you a variety of loans to meet your financial needs. Our loan products include personal and secured loans, lines of credit, etc.

Credit Card Rates - VECU offers a Premier VISA Platinum with a low non-variable rate, no annual fee or cash advance fees, and travel and rental car insurance.

Home Equity Loan Rates - VECU offers fixed rate home equity loans and variable rate home equity lines of credit. These provide tax savings while you use the equity available in your home.