Loan Rates

Rates Effective March 2nd, 2015

Secured Auto (2009-2015)
Term APR* as low as Min. Amt.
24 Month1 2.50% N/A
36 Month 2.50% N/A
48 Month 2.50% $7,500
60 Month 2.50% $10,000
72 Month 2.75% $15,000
84 Month 3.75% $25,000
Secured Auto (2008 & older)
Term APR* as low as Min. Amt.
24 Month1 2.50% N/A
36 Month 2.50% N/A
48 Month 2.50% $7,500
60 Month 2.50% $10,000
72 Month 2.75% $15,000
84 Month 3.75% $25,000
Boat, Motorcycle, RV
Term APR* as low as Min. Amt.
24 Month2 4.50% N/A
36 Month 4.50% N/A
48 Month 4.50% $7,500
60 Month 4.50% $10,000
72 Month 4.75% $15,000
84 Month 5.95% $25,000
Signature Loans
Term APR* as low as Max. Amt.
24 Month 8.95% $20,000
36 Month 8.95% $20,000
48 Month 8.95% $20,000
60 Month 8.95% $20,000
Payment Example: APR = Annual Percentage Rate. Pay $20.75 per month per $1,000 borrowed at 8.95% for 60 months.
VISA Line of Credit
APR* as low as Daily Periodic Rate Max. Amt.
8.49% 0.023260% $20,000

VISA Disclosure

Share Secured Loan
Term Variable Rate APR* Min. Amt.
120 Month3 90% Loan to Share 3% Above Regular Share Rate $500
Certificate Secured
APR* Min. Amt.
3% Above Regular Share Rate $500
Overdraft Protection - Line of Credit
APR* as low as Daily Periodic Rate Min. Amt. Max. Amt.
17.00% 0.046575% $100 $1,000

Overdraft Protection: The minimum monthly payment is $25.00: payments are due on the 10th of the month. This addendum is incorporated into and becomes part of your LOAN-LINER Credit Agreement. Please keep this attached to your LOAN-LINER Credit Agreement.

Returned Check Fee: On all sub-accounts, if a check or share draft is returned unpaid, you agree to pay a fee of $30.00

Late Charges: For balances less than $15,000, if your payment is 10 or more days late, you will pay a late charge of 3.00% of the past due payment or $30.00, whichever is greater. Late payments on balances over $15,000 or more have a late charge equal to the greater of 6.00% of the past due payment or $30.00. There is a ten (10) day grace period for the overdraft protection sub-account.

Collection Costs: You agree to pay all costs of collecting the amount you owe under the Agreement, including court costs and reasonable attorney fees.

  • Rates are based on individual credit worthiness. Rates listed are the lowest rates available. The actual rate will be disclosed before you become obligated.
  • Financing of collateralized loans based on the manufacturer's suggested retail (MSRP) and Kelley Blue Book Guide on used collateral.
  • All loans and terms are subject to approval. All rates and terms are subject to change without notice.
  • Ask about rate discounts available
  • Refinancing existing Valley Oak loans to get the lower rate requires a minimum of $1,000 increase in loan proceeds, or a fee of $100.00 will be assessed.

*APR = Annual Percentage Rate. Rates based on credit worthiness and is subject to change without notification. Additional terms and conditions apply. Contact the credit union for full disclosures.

1 For example, 48 monthly payments of $21.90 per $1,000 borrowed.

2 For example, 48 monthly payments of $22.80 per $1,000 borrowed.

3 For example, 48 monthly payments of $22.18 per $1,000 borrowed.