Rates

Savings and Loan Rates

Savings and Loan Rates updated on November 26, 2019, and are subject to change without notice. Please call us to obtain the most up to date rates. 

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Share & IRA Certificates

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TermsMinimum BalanceAnnual Percentage Yield (APY)1,2Dividend Rate
6 Month$5001.51%1.500%
12 Month$5001.71%1.700%
24 Month$5001.86%1.850%
36 Month$5001.89%1.880%
48 Month$5001.89%1.880%
60 Month$5002.00%1.980%

Money Market Draft Accounts

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TiersBalanceAnnual Percentage Yield (APY)1Dividend Rate
1$500 – $9,999.990.25%0.25%
2$10,000 – $24,999.990.30%0.30%
3$25,000 – $49,999.990.40%0.40%
4$50,000 and over0.55%0.55%

Money Market rates effective November 26, 2019.

Variable Rate Accounts

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TiersShare SavingsAnnual Percentage Yield (APY)1Dividend Rate
REGULAR & SECONDARY SHARES
1$50.00 – $499.990.05%0.05%
2$500.00 – $1,999.990.05%0.05%
3$2,000.00 and over0.15%0.15%
IRA SHARE ACCUMULATION ACCOUNT
1$25.00 and over0.30%0.30%

Savings Rates Disclosure: 

Review Viriva's Truth in Savings Disclosure for complete details.  

1. Savings Accounts and IRAs at Viriva are insured separately by NCUA, the National Credit Union Administration, up to at least $250,000 each. Rates shown are in effect as of the date listed and are subject to change without notice. Membership restrictions apply. Contact us for details. 

2. Share Certificate penalty for early withdrawal applies. Fees may reduce earnings. Interest is compounded monthly or quarterly, depending upon account type. Interest and principal must remain on deposit for a full year to achieve the stated APY. All interest rates are reviewed at the monthly Board of Director meetings, usually held the 4th Wednesday of the month, however, rates are subject to change at any time. The penalty for early withdrawal: A penalty will be imposed if you withdraw any of the funds before the maturity date. For Accounts having a term of 365 days or less, the penalty imposed will equal 90 days of dividends on the amount withdrawn. For Accounts having a term greater than 365 days, the penalty imposed will equal 180 days of dividends on the amount withdrawn.


Mortgages

Whatever life stage you're in, we have your mortgage needs covered. Whether you are buying your first home, looking to refinance an existing mortgage or is an empty-nester looking to downsize, as your financial partner for life, we've got your mortgage needs covered.

Call us Monday - Friday, 8:00 AM to 8:00 PM EST to speak with our mortgage experts, TruHome, about:

  • First-time home buying
  • Preapprovals
  • Refinancing
  • Cashout options
  • And more

Fixed Rate Home Equity Loan

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Loan to Value (LTV)TermExample Loan AmountAPR As Low As1Example Monthly Payment
80%MINIMUM - $5,000; MAXIMUM - $100,000
60 Month$25,0003.99%$460.33
84 Month$25,0004.49%$347.42
120 Month$25,0004.74%$262.04
144 Month$25,0004.99%$231.14
180 Month$25,0005.24%$200.89
90%MINIMUM - $5,000; MAXIMUM - $75,000
60 Month$25,0004.49%$465.99
84 Month$25,0004.99%$353.27
120 Month$25,0005.24%$286.15
100%MINIMUM - $5,000; MAXIMUM - $50,000
60 Month$25,0005.99%$483.24

Home Equity Lines of Credit

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Loan to Value (LTV)Draw PeriodAPR As Low As1
80%7 Years4.25%
90%7 Years5.25%

Home Equity Line of Credit rates effective: October 1, 2019 – December 31, 2019. Rate based on Prime Rate published in the Wall St. Journal one month prior to the 1st business day of each calendar quarter. Floor rate for Home Equity Line of Credit program is 3.50%.

Business Loan (non-primary residence)

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Loan to Value (LTV)TermExample Loan AmountAPR As Low As1Example Monthly Payment
80%MINIMUM - $5,000; MAXIMUM $50,000
60 Month$25,0004.99%$527.36

New Auto Loans

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TermExample Loan AmountAPR As Low As2Example Monthly Payment
36 Month$20,0003.49%$585.97
48 Month$20,0003.49%$447.05
60 Month$20,0003.49%$363.77
72 Month$20,0004.24%$315.12
84 Month$20,0005.24%$284.97

Used Auto Loans

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TermExample Loan AmountAPR As Low As2Example Monthly Payment
36 Month$10,0003.49%$292.99
48 Month$10,0003.49%$223.53
60 Month$10,0003.49%$181.89
72 Month$10,0004.24%$157.56
84 Month$10,0005.24%$142.49

Signature Loans

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TermExample Loan AmountAPR As Low As2Example Monthly Payment
12 Month$5,0009.74%$438.99
24 Month$5,0009.74%$230.14
36 Month$5,0009.74%$160.74
48 Month$5,0009.74%$126.20
60 Month$5,0009.74%$105.61

Other Loans

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TypeAPR As Low As
Share SecuredCD Rate of Same Term + 3%
Share Certificate SecuredCD Rate of Same Term + 3%
Personal Line of Credit4.75%
Mastercard Platinum Credit CardsView Program Details
Rewards: 10.65% to 18%
Low Rate: 8.65% to 18%
Secured: 12.65%

Loan Rates Disclosure: 

The Annual Percentage Rates (APRs) shown are for borrowers with excellent credit. 

1. Discounts not allowed. Primary residential properties located in Philadelphia County is subject to a $400 loan processing fee. New Jersey State and all other non-Philadelphia Counties are subject to a $300 loan processing fee. Business loans are subject to a $375 processing fee. Express Equity Home Loans are subject to a $200 loan processing fee for Philadelphia County and $150 for all other non-Philadelphia counties. Your APR may be higher, based on your loan term, loan amount, your creditworthiness, and LTV. Loan approvals are based on your credit and our underwriting guidelines. APRs are subject to change without notice. Approval is subject to Viriva underwriting guidelines. Other restrictions may apply. Contact Viriva for details.

2. The as low as rates shown for both the Auto and Signature Loans are the lowest rates available and include the maximum loan rate discount of .75%. No other discounts can be applied. CLICK HERE to view available rate discount options. Rates are subject to change without notice. The floor rate is 3.49% APR for Auto Loans and 9.24% APR for non-promotional Signature Loans. The as low as Auto Loan rates shown apply to 2017 vehicle model year or newer. 84 months Auto Loans must be $20,000 or greater. Your APR may be higher, based on your loan term, loan amount, the vehicle model year, your creditworthiness, and any discounts you for which you qualify. Loan approvals are based on your credit and our underwriting guidelines. APRs are subject to change without notice. Approval is subject to Viriva underwriting guidelines. Other restrictions may apply. Contact Viriva for details.