loan

New/ Used Vehicle Loans  (2012 and newer, includes motorcycles)
Rates effective: February 1, 2017

Term APR as low as APR up to
Up to 48 months 1.99% 14.99%
49 – 60 months 2.09% 15.99%
61 – 66 months 2.39% 16.99%
67 – 75 months 2.79% 17.99%
76 – 84 months 4.79% 18.99%

Refinanced Vehicle Loans (2012 and newer)
Rates effective: February 1, 2017

Term APR as low as APR up to
Up to 48 months 1.79% 14.99%
49 – 60 months 1.89% 15.99%
61 – 66 months 2.09% 16.99%
67 – 75 months 2.59% 17.99%
76 – 84 months 4.79% 18.99%

2011 and Older Used Vehicles or Motorcycles
Rates effective: February 1, 2017

Term APR as low as APR up to
Up to 48 months 3.09% 15.99%
49 – 60 months 3.29% 16.99%
61 – 66 months 3.39% 17.99%
67 – 75 months 3.79% 18.99%
76 – 84 months 5.79% 19.99%

2011 and Older Refinanced Autos
Rates effective: February 1, 2017

Term APR as low as APR up to
Up to 48 months 2.99% 15.99%
49 – 60 months 3.09% 16.99%
61 – 66 months 3.19% 17.99%
67 – 75 months 3.59% 18.99%
76 – 84 months 5.79% 19.99%

Boat Loans
Rates effective: February 1, 2017

Type of Loan Term APR as low as APR up to
New/ Current Up to 120 months 4.49% 17.19%
Used Up to 120 months 5.99% 18.69%

Personal Loans/ Lines of Credit
Rates effective: February 1, 2017

Type of Loan Term APR as low as APR up to
Personal Line of
Credit
Not applicable 9.79% 19.99%
Overdraft Protection
Line of Credit
Not applicable 9.79% 19.99%
Personal Loan Up to 42 months 8.79% 19.99%
Salary Advance Loan Up to 6 months 21.00% 21.00%

The rates shown include the maximum Relationship Reward Discount.

*Risk Based Pricing: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness and other factors. Existing VECU loans are not eligible for refinance. Used vehicle rates as low as 2.99% APR on 2011 vehicles and older. Please ask us for the rate that you qualify for. All terms may not be available.

Virginia Educators Credit Union