Viriva Community Credit Union

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Free Financial Checkup
Invest in America
Viriva? A Co-op?

Are You Ready (for their education)?

So your little one is headed to school...whether it's expenses for first grade, or for their first year of college, everything is just about set and ready to go. Then the requests poor in: endless student activities and the trendiest new school supplies are a must, let alone paying actual tuition bills. Summertime is no season for stressing! Viriva can help you with financing, so you can focus on their education.

Personal Loans – Rates as low as 5.00% APR*¹ When you apply for a Personal Loan with the Credit Union, you can use the money to pay for everything from books to housing to tuition, and more. Personal Loan rates at the Credit Union are generally lower than loan rates at banks and other financial institutions, and we have a variety of terms and payment options available.

Home Equity Loans – Rates as low as 3.50% APR*²Use the equity in your home to pay for higher education. Even better, your payments may be tax deductible,* so you’ll be saving extra cash! Our rates are at an all-time low. Best of all, our application process is quick and easy, and we’ll have a decision to you in no time!

*APR=Annual Percentage Rate. Rate effective 5/15/09-7/31/09 and subject to change at any time. Final approval and actual rate subject to individual credit worthiness of applicant. Other rates and terms available. No loan discounts apply. Complete loan promotion details can be found at the Credit Union. Member of VCCU must be in good standing to be eligible for loan special(s). Special applies to new loans, and those refi nanced for a minimum of $1000. ¹Rate applies to maximum 12 month term. ²Rate updated quarterly, increasing when prime rate increases, decreasing when prime rate decreases. Minimum APR is 3.5%. Maximum APR is 18%. Application fee of $300 or $250 applies for Philadelphia County or Bucks, Delaware and Montgomery Counties, respectively. Property insurance is required. Payment sample (including payment protection, based on a 60 month term): For loan amount of $5,000 borrowed at 80% LTV, monthly payment amount would be $97.88 with Credit Life and Disability Insurance included. Maximum loan amount is $75,000 for 80% LTV. Draw period for the HELOC program is 7 yrs.

Free Financial Checkup

Ever wonder if you could be saving more? Paying less on fees and loan interest? Stashing away a bit more for retirement? Well, now you can know for sure. Viriva has developed a Free Financial Checkup, which is designed to help members identify ways in which you can improve your financial well-being.

We'll meet with you individually to review all of your finances, help you discover better opportunities for your money and implement easy solutions that you can follow. We'll even review your credit report with you and answer all of your questions.

These sessions are designed to enable us to focus our time and expertise completely on you! Don't wait another day to schedule your appointment. Call Joann Wagner, at 215-333-1201 (toll free: 888-7-VIRIVA) and select extension 118, or email This e-mail address is being protected from spam bots, you need JavaScript enabled to view it

We have money to lend!

Simplify Your Summer!

Using Electronic Bill Pay (EBP) not only helps the environment, it could help you win $5,000! For every bill paid during May and June through Viriva's EBP service, you are entered into a drawing for $5,000 cash. Check out other electronic services Viriva offers, including EBP by visiting our eServices page.

No purchase necessary. Void where prohibited. For complete rules and information, please visit: https://secure.orcc.com/promo/2009Q2/rules.html.

Invest in America

In the recent news, there have been two major automobile manufacturers that have announced a partnership with America's Credit Unions to Invest in America by providing discounts to members looking to buy a new car.

GM has adopted the Invest in America program by offering members up to 4.5% off of the Manufacturer's Suggested Retail Price (MSRP) on top of any other rebates or discounts offered to buyers. Chrysler's involvement has been established through a "Credit Union Member Cash" program which offers $500 or $1,000 (depending on the model) to members financing a new vehicle through their credit union.

Viriva has joined forces with Invest in America by also offering an additional rate discount on their already competitive Auto Loan Rates. Members of Viriva Community Credit Union, will not only gain the special discounts and rebates mentioned above through participating GM and Chrysler dealers, but will also receive an additional 1/4% discount* when they finance the loan through the Credit Union.

Get pre-approved today for your Auto Loan through Viriva by clicking here. We will provide you with an approval letter, which can be used at the dealership, providing you added buying power when negotiating the price on your new vehicle.

To review more details on the GM program click here, register and choose Viriva Community Credit Union in the drop down menu, then print out your personal Authorization Number and head to your local GM dealer to get moving in your new car.

To review more details on the list of incentives for your local Chrysler, Dodge or Jeep dealer for the Chrysler Credit Union Member Cash program, click here. Then bring your pre-approval letter to show the Chrysler, Dodge or Jeep dealer that you are financing your new vehicle through your credit union.

*Discount provided is .25% below the approved rate, based on term and credit worthiness of applicant. Must be a member of Viriva Community Credit Union in good standing and be used for a new vehicle purchase made through the Invest in America program. Current rate is 4.75% APR (Annual Percentage Rate), as of January 30, 2009 for maximum 36 month term. Loan approval not guaranteed. Total discounts for loan may not exceed .75% and are not applicable to 36 month term auto loan. Offer subject to change and may end at any time.

Viriva People

Who makes up Viriva?
What is Viriva?
Why/how is it different from a bank down the street?
Get answers to these questions and more, by visiting our new website and watching our video at www.virivapeople.coop.

Please be aware that this site was established to focus on the cooperative nature of our Credit Union. VIriva's main website: www.viriva.com should continue to be used for everyday needs of members.