Rates
Savings
Current Savings Rates as of December 1, 2024
Certificate Rates (Business & Consumer)
| Term | Dividend Rate | APY* |
|---|---|---|
| 1-YR special* | 2.00% | 2.02% |
| 2-YR special* | 3.00% | 3.04% |
| 6 month | 0.15% | 0.15% |
| 12 month | 0.17% | 0.17% |
| 13 month | 0.17% | 0.17% |
| 24 month | 0.27% | 0.27% |
| 36 month | 0.40% | 0.40% |
| 48 month | 0.42% | 0.42% |
| 60 month | 0.55% | 0.55% |
Annual Percentage Yield. Rates are subject to change without notice. Dividends are compounded monthly. A $2,500 minimum deposit is required on term share certificates; a $500 minimum deposit is required on IRA certificates.
*For the 1-YR and 2-YR specials, there is a $10,000 minimum in new money to ValleyStar Credit Union required to earn the promotional rate. Early withdrawal penalties will or may apply, if applicable. Please contact the Credit Union for information on applicable fees and terms. +All rates are subject to credit approval. Does not include IRA certificates.
Savings/Checking/Money Market Rates
Current Rates as of December 1, 2024
*Personal Checking: On 7-1-23, the Primary Share Draft account (Suffix 8 dividend rate will change to a range of 0.00% to 1.00% APY with an annual yield of 0.00% to 1.00%. For Primary Share Draft account (Suffix 8 with an average daily balance of $500 to $10,000, the dividend rate will increase to 1.00% with an annual yield of 1.00%. Primary Share Draft account (Suffix 8 balances that fall outside the $500-$10,000 range, the dividend rate will decrease to 0.00% with an annual yield of 0.00%. Account daily balances on our Primary Share Draft account (Suffix 8 are calculated and dividends paid on the last business day of the month. All other secondary Share Draft accounts will not earn dividends.
*Annual Percentage Yield. Rates are subject to change without notice. Fees may reduce earnings. Please contact the credit union for information on applicable fees and terms. +All rates are subject to credit approval.
Loans
Current Rates as of February 4, 2025
Auto/Light Truck
| Model Year | Max Term of Loan Months | Rates (APR) | Apply |
|---|---|---|---|
| Auto Loans | |||
| 2019 & Newer | 60 | As low as 5.74 | Apply Now |
| New/Used Vehicle (2019 or newer) | 75 | As low as 5.74% | Apply Now |
| New/Used Vehicle (2019 or newer) | 84 | As low as 6.74% | Apply Now |
| Used Vehicle (2017-2018) | 60 | As low as 7.99% | Apply Now |
| Used Vehicle (2017-2018) | 72 | As low as 8.24% | Apply Now |
| Used Vehicle (2016 or older) | 60 | As low as 9.24% | Apply Now |
| Motorcycle Loans | |||
| New/Used Motorcycle (2019 or newer) | 60 | As low as 6.74% | Apply Now |
| Used Motorcycle (2018 or older) | 60 | As low as 8.99% | Apply Now |
| ATV Loans | |||
| New/used ATV (2019 or newer) | 60 | As low as 8.24% | Apply Now |
| Used ATV (2018 or older) | 60 | As low as 10.99% | Apply Now |
| Recreational Vehicle Loans | |||
| New/Used Boat/Jetski/RV | 84 | As low as 6.49% | Apply Now |
| New/Used Boat/Jetski/RV | 120 | As low as 6.49% | Apply Now |
| New/Used Boat/Jetski/RV | 180 | As low as 6.99% | Apply Now |
| Other Collateral | 60 | As low as 11.99% | Apply Now |
| Personal Loan | 60 | As low as 9.24% | Apply Now |
| Ready-Set-Go loan | 18 | As low as 8.24% | Apply Now |
| Personal Line of Credit | As low as 8.99% | Apply Now | |
| Overdraft Line of Credit | Contact us! | As low as 8.99% | |
| Day Note Loan | 12 | As low as 10.49% | Apply Now |
| 100% Share Secured | 60 | As low as 3.25% | |
| Certificate Secured | 2.00% margin |
+Annual Percentage Rate. All rates are subject to membership length, credit score and credit approval. Rates are subject to change without notice. As low as rates include a 1.25% rate buy-down program discount. 100% Share Secured and Certificate Secured loans are ineligible for rate buy-downs. APR may vary depending on credit qualifications and selected terms. Certain restrictions apply. Repayment terms may vary depending upon rate. Please contact the Credit Union for applicable fees, terms, or buy-downs.
Mortgage Loans
Current Rates as of December 1, 2024
Home Equity Line of Credit
| Account Type | Max Term (Months) | Min. | Max. | Apply |
|---|---|---|---|---|
| Home Equity Line of Credit | Contact us for more info | Contact us for rates | Apply Now |
‡Home Equity rates are based on an independent index, (the “Index”), which is the weekly average yield on U.S. Treasury Securities adjusted to a constant maturity of one year. We will use the most recent index value available to us as of the third Monday of the month previous to any annual percentage rate adjustment. The annual percentage rate can change annually on the anniversary date of plan opening. The rate cannot increase or decrease more than 2.0 percentage points in any one year period. An initial discount rate may be applicable. The maximum Annual Percentage Rate that can apply is 12% or the maximum permitted by law, whichever is less. However, under no circumstances will your Annual Percentage Rate go below 3.75% at any time during the term of the plan. Other restrictions may apply. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. +All rates are subject to credit approval.
Home Loans/Real Estate
| Account Type | Max Term (Months) | Min. | Max. | Apply |
|---|---|---|---|---|
| First Mortgage - Fixed Rate | Contact us for more info | Apply Now | ||
| First Mortgage - Adjustable Rate | Contact us for more info | Apply Now | ||
| Construction | Contact us for more info | Apply Now | ||
| Undeveloped Land | Contact us for more info | Apply Now |
‡Home Equity rates are based on an independent index, (the “Index”), which is the weekly average yield on U.S. Treasury Securities adjusted to a constant maturity of one year. We will use the most recent index value available to us as of the third Monday of the month previous to any annual percentage rate adjustment. The annual percentage rate can change annually on the anniversary date of plan opening. The rate cannot increase or decrease more than 2.0 percentage points in any one year period. An initial discount rate may be applicable. The maximum Annual Percentage Rate that can apply is 12% or the maximum permitted by law, whichever is less. However, under no circumstances will your Annual Percentage Rate go below 3.25% at any time during the term of the plan. Other restrictions may apply. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. +All rates are subject to credit approval.
