Savings and Loan Rates
Savings and Loan Rates were updated on September 1, 2021, and are subject to change without notice. Please call us to obtain the most up-to-date rates.
Share & IRA Certificates
| Terms | Minimum Balance | Annual Percentage Yield (APY)1,2 | Dividend Rate |
|---|---|---|---|
| 6 Month | $500 | 0.25% | 0.250% |
| 12 Month | $500 | 0.35% | 0.350% |
| 24 Month | $500 | 0.50% | 0.500% |
| 36 Month | $500 | 0.65% | 0.650% |
| 48 Month | $500 | 0.75% | 0.750% |
| 60 Month | $500 | 0.85% | 0.850% |
Money Market Draft Accounts
| Tiers | Balance | Annual Percentage Yield (APY)1 | Dividend Rate |
|---|---|---|---|
| 1 | $500 – $9,999.99 | 0.10% | 0.10% |
| 2 | $10,000 – $24,999.99 | 0.10% | 0.10% |
| 3 | $25,000 – $49,999.99 | 0.14% | 0.14% |
| 4 | $50,000 and over | 0.19% | 0.19% |
Money Market rates effective July 1, 2021.
Variable Rate Accounts
| Tiers | Share Savings | Annual Percentage Yield (APY)1 | Dividend Rate |
|---|---|---|---|
| REGULAR & SECONDARY SHARES | |||
| 1 | $50.00 – $499.99 | 0.01% | 0.01% |
| 2 | $500.00 – $1,999.99 | 0.05% | 0.05% |
| 3 | $2,000.00 and over | 0.09% | 0.09% |
| IRA SHARE ACCUMULATION ACCOUNT | |||
| 1 | $25.00 and over | 0.15% | 0.15% |
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. The 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 For Accounts having a term of 365 days or less, the penalty imposed will equal 90 days of dividends on the amount withdrawn. For Accounts having a term greater than 365 days, the penalty imposed will equal 180 days of dividends on the amount withdrawn.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 are empty-nesters looking to downsize, we've got your mortgage needs covered.
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Fixed Rate Home Equity Loan
| Loan to Value (LTV) | Term | Example Loan Amount | APR As Low As1 | Example Monthly Payment |
|---|---|---|---|---|
| 80% | MINIMUM - $5,000; MAXIMUM - $100,000 | |||
| 60 Month | $25,000 | 3.49% | $454.74 | |
| 84 Month | $25,000 | 3.99% | $341.62 | |
| 120 Month | $25,000 | 4.24% | $256.01 | |
| 144 Month | $25,000 | 4.49% | $224.91 | |
| 180 Month | $25,000 | 4.74% | $194.37 | |
| 90% | MINIMUM - $5,000; MAXIMUM - $75,000 | |||
| 60 Month | $25,000 | 3.99% | $460.31 | |
| 84 Month | $25,000 | 4.49% | $347.41 | |
| 120 Month | $25,000 | 4.74% | $262.03 | |
| 100% | MINIMUM - $5,000; MAXIMUM - $50,000 | |||
| 60 Month | $25,000 | 5.49% | $477.52 |
Home Equity Lines of Credit
| Loan to Value (LTV) | Draw Period | APR As Low As1 |
|---|---|---|
| 80% | 7 Years | 3.50% |
| 90% | 7 Years | 3.75% |
Home Equity Line of Credit rates effective: July 1, 2021 – September 30, 2021. Rate based on Prime Rate published in the Wall St. Journal one month prior to the 1st business day of each calendar quarter. The floor rate for the Home Equity Line of Credit program is 3.50%.
Business Loan (non-primary residence)
| Loan to Value (LTV) | Term | Example Loan Amount | APR As Low As1 | Example Monthly Payment |
|---|---|---|---|---|
| 80% | MINIMUM - $5,000; MAXIMUM $50,000 | |||
| 60 Month | $25,000 | 4.99% | $527.36 |
New Auto Loans
| Term | Example Loan Amount | APR As Low As2 | Example Monthly Payment |
|---|---|---|---|
| 36 Month | $20,000 | 2.79% | $579.77 |
| 48 Month | $20,000 | 2.79% | $440.84 |
| 60 Month | $20,000 | 2.79% | $357.52 |
| 72 Month | $20,000 | 3.24% | $306.04 |
| 84 Month | $20,000 | 3.99% | $273.30 |
Used Auto Loans
| Term | Example Loan Amount | APR As Low As2 | Example Monthly Payment |
|---|---|---|---|
| 36 Month | $10,000 | 2.79% | $289.89 |
| 48 Month | $10,000 | 2.79% | $220.42 |
| 60 Month | $10,000 | 2.79% | $178.76 |
| 72 Month | $10,000 | 3.24% | $155.28 |
| 84 Month | $20,001 | 3.99% | $273.34 |
Signature Loans
| Term | Example Loan Amount | APR As Low As2 | Example Monthly Payment |
|---|---|---|---|
| 12 Month | $5,000 | 8.99% | $437.25 |
| 24 Month | $5,000 | 8.99% | $228.41 |
| 36 Month | $5,000 | 8.99% | $158.99 |
| 48 Month | $5,000 | 8.99% | $124.41 |
| 60 Month | $5,000 | 8.99% | $103.78 |
Other Loans
| Type | APR As Low As |
|---|---|
| Share Secured | CD Rate of Same Term + 3% |
| Share Certificate Secured | CD Rate of Same Term + 3% |
| Personal Line of Credit | 3.25% |
| Mastercard Platinum Credit Cards | View Program Details |
| Rewards: 9.15% to 18% | |
| Low Rate: 7.15% to 18% | |
| Secured: 11.15% |
Loan Rates Disclosure:
The Annual Percentage Rates (APRs) shown are for borrowers with excellent credit. Your APR, payment, and term may differ based on credit, available debt protection options, and our underwriting standards.
1. Discounts not allowed. Primary residential properties are subject to a $199 loan processing fee. Business loans are subject to a $375 processing fee. Your APR may be higher based on your loan term, loan amount, creditworthiness, and LTV. Loan approvals are based on your credit and our underwriting guidelines. APRs are subject to change without notice. Homeowner insurance required. Title and flood insurance may be required. 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. For available rate discount options, contact us. Rates are subject to change without notice. The floor rate is 2.79% APR for Auto Loans and 8.99% APR for non-promotional Signature Loans. The as low as Auto Loan rates shown for New Vehicles refer to untitled current year models. Untitled vehicles from the previous year are considered new until April of the current year. (example: untitled 2021 vehicle is considered new until April 2022.). 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 for which you qualify to receive. Loan approvals are based on your credit and our underwriting guidelines. Approval is subject to Viriva underwriting guidelines. Other restrictions may apply. Contact Viriva for details.