Rates

Savings and Loan Rates

Savings and Loan Rates updated on September 14, 2020, 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$5000.20%0.200%
12 Month$5000.30%0.300%
24 Month$5000.40%0.400%
36 Month$5000.60%0.600%
48 Month$5000.70%0.700%
60 Month$5000.80%0.800%

Money Market Draft Accounts

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TiersBalanceAnnual Percentage Yield (APY)1Dividend Rate
1$500 – $9,999.990.10%0.10%
2$10,000 – $24,999.990.10%0.10%
3$25,000 – $49,999.990.15%0.15%
4$50,000 and over0.20%0.20%

Money Market rates effective August 1, 2020.

Variable Rate Accounts

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TiersShare SavingsAnnual Percentage Yield (APY)1Dividend Rate
REGULAR & SECONDARY SHARES
1$50.00 – $499.990.01%0.01%
2$500.00 – $1,999.990.05%0.05%
3$2,000.00 and over0.09%0.09%
IRA SHARE ACCUMULATION ACCOUNT
1$25.00 and over0.15%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. 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 For Accounts having a term of 365 days or less, the penalty imposed will equal 90 days of dividends on the amount withdrawn. For Accounts having a term greater than 365 days, the penalty imposed will equal 180 days of dividends on the amount withdrawn.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
Promo - 36 Month$5,0002.49%*$144.29
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 Years3.50%
90%7 Years3.75%

Home Equity Line of Credit rates effective: July 1, 2020 – September 30, 2020. 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$20,0003.29%$584.20
48 Month$20,0003.29%$445.27
60 Month$20,0003.29%$361.97
72 Month$20,0003.99%$312.83
84 Month$20,0004.99%$282.61

Used Auto Loans

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TermExample Loan AmountAPR As Low As2Example Monthly Payment
36 Month$10,0003.99%$295.21
48 Month$10,0003.99%$225.76
60 Month$10,0003.99%$184.13
72 Month$10,0004.99%$161.02
84 Month$10,0005.99%$146.06

Signature Loans

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TermExample Loan AmountAPR As Low As2Example Monthly Payment
12 Month$5,0008.99%$437.25
24 Month$5,0008.99%$228.41
36 Month$5,0008.99%$158.99
48 Month$5,0008.99%$124.41
60 Month$5,0008.99%$103.78

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 Credit3.25%
Mastercard Platinum Credit CardsView 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, 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. For available rate discount options, contact us. Rates are subject to change without notice. The floor rate is 3.29% 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 2020 vehicle is considered new until April 2021.). 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. APRs are subject to change without notice. Approval is subject to Viriva underwriting guidelines. Other restrictions may apply. Contact Viriva for details. 3. LTV = Loan to Value Home Equity Line of Credit rates effective: July 1, 2020 - September 30, 2020. 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%.

*2.49% Annual Percentage Rate (APR) applies only to Fixed-Rate Home Equity Loans with a 36-month term and is our best rate for well-qualified borrowers with a qualifying loan of up to 80% Loan-To-Value. Your APR may be higher based on your credit, loan term, and our underwriting standards. Property must be owner-occupied. Property insurance required. Title and flood insurance may be required. Current Viriva loans must refinance an additional $10,000 in new money to be eligible. Membership and other restrictions may apply. Offer may change without notice. Applications must be received between 09/15/20 and 12/31/20. Call us at 215-333-1201 for more information and to discuss other rates and terms. Loan amounts must be between $5,000-$100,000 and disbursed by 01/31/21.