Mobile Menu Back Arrow
Personal Loan Banner Image

VacationLand Rates

Rates

Membership eligibility is required with a minimum deposit of $25 in a share savings account. Please contact us for additional products, rates, and terms if you don’t see them on our website.

Savings

Rates effective as of December 1, 2022. Rates subject to change without notice. Fees may reduce earnings on accounts.

Name APY* Minimum Amount to Open Account Minimum Balance to Earn Dividends
Savings Accounts  0.05% $25.00  $370.00
Dollar Dog Account  0.15% $0.00  $125.00
Club Accounts  0.05% $0.00  $370.00
Youth Club Accounts  0.15% $0.00  $125.00
Christmas Club Accounts  0.05% $0.00  $370.00
IRA Share Accounts  0.20% $0.00  $100.00
Checking Accounts  0.00%  $0.00  N/A
Value Checking Plus+ Accounts  0.05%  $0.00  $2,000.00
Business Checking Accounts  0.00%  $0.00  N/A
Business Savings Accounts  0.05%  $25.00  $370.00
Money Market Plus+
$0.00 to $1,999.99  0.00% $0.00  $0.00
$2,000 to $9,999.99  0.10% $0.00  $2,000.00
$10,000 to $24,999.99  0.20% $0.00  $10,000.00
$25,000 to $99,999.99  0.30% $0.00  $25,000.00
$100,000.00 and over  0.35% $0.00  $100,000.00
Business Money Market Plus+
$0.00 to $1,999.99  0.00%  $0.00  $0.00
$2,000 to $9,999.99  0.10%  $0.00  $2,000.00
$10,000 to $24,999.99 0.20% $0.00 $10,000.00
$25,000 to $99,999.99  0.30%  $0.00  $25,000.00
$100,000.00 and over  0.35%  $0.00  $100,000.00

*APY is Annual Percentage Yield

Regular / IRA Share Certificates

Rates effective as of December 6, 2022. Rates subject to change without notice. We may impose a penalty if funds are withdrawn before the maturity date. If the account has not yet earned enough dividends or if the dividends have already been paid, the penalty will be deducted from the principal.

Term APY* Minimum Amount to Open Account Minimum Balance to Earn Dividends
 3 month 0.50% $500.00 $500.00
 6 month  1.00% $500.00 $500.00
 9 month 1.25% $500.00 $500.00
12 month 1.75% $500.00 $500.00
18 month 2.00% $500.00 $500.00
21 month 3.25% $500.00 $500.00
24 month 3.00% $500.00 $500.00
30 month 3.25% $500.00 $500.00
36 month 3.30% $500.00 $500.00
40 month 3.35% $500.00 $500.00
48 month 3.50% $500.00 $500.00
59 month 3.75% $500.00 $500.00
60 month 3.50% $500.00 $500.00

*APY is Annual Percentage Yield

Jumbo Share Certificates

Rates effective as of December 6, 2022. Rates subject to change without notice. We may impose a penalty if funds are withdrawn before the maturity date. If the account has not yet earned enough dividends or if the dividends have already been paid, the penalty will be deducted from the principal.

Term APY* Minimum Amount to Open Account Minimum Balance to Earn Dividends
24 month 3.10% $50,000.00 $50,000.00
30 month 3.35% $50,000.00 $50,000.00
36 month 3.40% $50,000.00 $50,000.00
48 month 3.60% $50,000.00 $50,000.00
60 month 3.95% $50,000.00 $50,000.00

*APY is Annual Percentage Yield

Youth Share Certificates

Rates effective as of December 1, 2022. Rates subject to change without notice. We may impose a penalty if funds are withdrawn before the maturity date. If the account has not yet earned enough dividends or if the dividends have already been paid, the penalty will be deducted from the principal.

Term Age APY* Minimum amount to Open Account Minimum Balance to Earn Dividends
12 Months 0 0.25% $100.00 $100.00
12 Months 1 0.35% $100.00 $100.00
12 Months 2 0.45% $100.00 $100.00
12 Months 3 0.55% $100.00 $100.00
12 Months 4 0.65% $100.00 $100.00
12 Months 5 0.75% $100.00 $100.00
12 Months 6 0.85% $100.00 $100.00
12 Months 7 0.95% $100.00 $100.00
12 Months 8 1.05% $100.00 $100.00
12 Months 9 1.16% $100.00 $100.00
12 Months 10 1.26% $100.00 $100.00
12 Months 11 1.36% $100.00 $100.00
12 Months 12 1.46% $100.00 $100.00
12 Months 13 1.56% $500.00 $500.00
12 Months 14 1.66% $500.00 $500.00
12 Months 15 1.76% $500.00 $500.00
12 Months 16 1.86% $500.00 $500.00
12 Months 17 1.96% $500.00 $500.00
12 Months 18 2.07% $500.00 $500.00
12 Months 19 2.17% $500.00 $500.00

*APY is Annual Percentage Yield 

Maximum $20,000.00 per child, regardless of the number of share certificates held by the child.

New / Used Autos

Rates effective as of December 1, 2022. Rates subject to change without notice.

Model Year Term
(As long as)
Fixed Rate
(As low as)
APR* Terms of Repayment
New/Used
2023-2021
72 Months 5.99% 6.22% APR listed is based on loan amount of $30,000, at a rate of 5.99% resulting in 72 monthly payments of $497.02.
Used
2020-2019
72 Months 5.99% 6.22% APR listed is based on loan amount of $30,000, at a rate of 5.99% resulting in 72 monthly payments of $497.02.
Used
2018-2017
60 Months 5.99% 6.26% APR listed is based on loan amount of $30,000, at a rate of 5.99% resulting in 60 monthly payments of $579.80.
Used
2016-2015
60 Months 6.99% 7.26% APR listed is based on loan amount of $30,000, at a rate of 6.99% resulting in 60 monthly payments of $593.84.

 *APR = Annual Percentage Rate. All loans are subject to credit approval. The rates and APR may differ depending on the term, credit qualifications, or loan-to-value. Please contact the Credit Union for additional rate and loan product information.

Motorcycles

Rates effective as of December 1, 2022. Rates subject to change without notice.

Model Year Term
(As long as)
Fixed Rate
(As low as)
APR* Terms of Repayment
New/Used
2023-2020
72 Months 6.99% 7.45% APR listed is based on loan amount of $15,000, at a rate of 6.99% resulting in 72 monthly payments of $255.69
Used
2019-2015
72 Months 7.99% 8.45% APR listed is based on loan amount of $15,000, at a rate of 7.99% resulting in 72 monthly payments of $262.96

*APR = Annual Percentage Rate. All loans are subject to credit approval. The rates and APR may differ depending on the term, credit qualifications, or loan-to-value. Please contact the Credit Union for additional rate and loan product information.

RVs, Campers, Motorhomes & Travel Trailers

Rates effective as of December 1, 2022. Rates subject to change without notice.

Amount Term
(As long as)
Fixed Rate
(As low as)
APR* Terms of Repayment
$25,000+ 180 Months 6.99% 7.06% APR listed is based on loan amount of $50,000, at a rate of 6.99% resulting in 180 monthly payments of $449.18.
$15,000-$24,999 144 Months 6.99% 7.14% APR listed is based on loan amount of $24,999, at a rate of 6.99% resulting in 144 monthly payments of $256.97.
$10,000-$14,999 120 Months 7.99% 8.29% APR listed is based on loan amount of $14,999, at a rate of 7.99% resulting in 120 monthly payments of $181.91.

*APR = Annual Percentage Rate. All loans are subject to credit approval. The rates and APR may differ depending on the term, credit qualifications, or loan-to-value. Please contact the Credit Union for additional rate and loan product information.

Boats

Rates effective as of December 1, 2022. Rates subject to change without notice.

Amount Term
(As long as)
Fixed Rate
(As low as)
APR* Terms of Repayment
$25,000+ 180 Months 6.99% 7.06% APR listed is based on loan amount of $50,000, at a rate of 6.99% resulting in 180 monthly payments of $449.26
$15,000-$24,999 144 Months 6.99% 7.14% APR listed is based on loan amount of $24,999, at a rate of 6.99% resulting in 144 monthly payments of $257.01
$10,000-$14,999 120 Months 7.99% 8.29% APR listed is based on loan amount of $14,999, at a rate of 7.99% resulting in 120 monthly payments of $181.94

*APR = Annual Percentage Rate. All loans are subject to credit approval. The rates and APR may differ depending on the term, credit qualifications, or loan-to-value. Please contact the Credit Union for additional rate and loan product information.

Snowmobiles, Personal Watercraft, 4 Wheelers, Dirt Bike, Misc.

Rates effective as of December 1, 2022. Rates subject to change without notice.

Model Year Term
(As long as)
Fixed Rate
(As low as)
APR* Terms of Repayment
New

2023-2022

60 Months 8.99% 9.82% APR listed is based on loan amount of $10,000, at a rate of 8.99% resulting in 60 monthly payments of $207.56
Used
2022-2020
48 Months 9.99% 11.01% APR listed is based on loan amount of $10,000, at a rate of 9.99% resulting in 48 monthly payments of $253.61
Used
2019-2016
48 Months 10.99% 12.02% APR listed is based on loan amount of $10,000, at a rate of 10.99% resulting in 48 monthly payments of $258.44

*APR = Annual Percentage Rate. All loans are subject to credit approval. The rates and APR may differ depending on the term, credit qualifications, or loan-to-value. Please contact the Credit Union for additional rate and loan product information.  

Personal Loans

Rates effective as of December 1, 2022. Rates subject to change without notice.

Term APR*
(As low as)
Terms of Repayment
12 Months 9.99% A $1,000 loan at 9.99% APR will result in 12 monthly payments of $87.89.

*APR = Annual Percentage Rate. All loans are subject to credit approval. The rates and APR may differ depending on term and individual credit qualifications. Please contact the Credit Union for additional rate and loan product information.

Visa

Rates effective as of December 1, 2022. Rates subject to change without notice.

Card Type APR* (As low as)
Visa® Rewards 13.90%
Visa® Platinum (non-rewards) 11.90%
Visa® Business Rewards 13.90%

*APR = Annual Percentage Rate. All loans are subject to credit approval. The rates and APR may differ depending on individual credit qualifications. When using a Visa card outside the United States a foreign transaction fee of 1% of the amount of each transaction will apply. Please contact the Credit Union for additional rate and loan product information.