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Current Rates

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Loan Rates

personal_loan_rates table

Personal Loans

TermsAPR*Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.)
12 mos7.00%11 monthly payments of $86.29, 1 estimated final payment of $86.27
24 mos7.00%23 monthly payments of $44.55, 1 estimated final payment of $44.43
36 mos7.00%35 monthly payments of $30.65, 1 estimated final payment of $30.63
48 mos7.00%47 monthly payments of $23.72, 1 estimated final payment of $23.48
60 mos7.00%59 monthly payments of $19.57, 1 estimated final payment of $19.37
72 mos7.00%71 monthly payments of $16.82, 1 estimated final payment of $16.03
new_auto_rates table

New Auto Loans

TermsAPR*Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.)
36 mos2.75%35 monthly payments of $28.76, 1 estimated final payment of $28.50
48 mos2.75%47 monthly payments of $21.81, 1 estimated final payment of $21.59
60 mos3.25%59 monthly payments of $17.86, 1 estimated final payment of $17.74
72 mos3.75%71 monthly payments of $15.31, 1 estimated final payment of $15.08
84** mos5.75%83 monthly payments of $14.26, 1 estimated final payment of $13.63
old_auto_rates table

Used Auto Loans

TermsAPR*Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.)
36 mos2.75%35 monthly payments of $28.76, 1 estimated final payment of $28.50
48 mos2.75%47 monthly payments of $21.81, 1 estimated final payment of $21.59
60 mos3.25%59 monthly payments of $17.86, 1 estimated final payment of $17.74
72 mos3.75%71 monthly payments of $15.31, 1 estimated final payment of $15.08
share_secured_rates table

Share Secured Loan

TermsAPR*Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.)
Up to 10 Years2.00%119 monthly payments of $92.02, 1 estimated final payment of $91.58
overdraft_rates table

Over Draft Line of Credit

TermsAPR*Minimum Payment
Up to $5,000.0015.00%$25 per $1000 outstanding
photovoltaic_rates table

Photovoltaic Loan

TermsAPR*Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.)
Up to 84 mos4.99%83 monthly payments of $141.31, 1 estimated final payment of $141.21
credit_cards_rates table

VICFCU Credit Cards

TypeAPR*
VICFCU Platinum Visa9.99%(%tr%a href='/home/fiFiles/static/documents/Platinum_Disclosure.pdf' target='_blank' aria-label=\"Visa Platinum Card\")View/Download Disclosure(%tr%/a)
VICFCU Secured Visa12.00%(%tr%a href='/home/fiFiles/static/documents/Gold_Secured_Disclosure.pdf' target='_blank' aria-label=\"Visa Secured Card\")View/Download Disclosure(%tr%/a)
VICFCU Gold Visa12.00%(%tr%a href='/home/fiFiles/static/documents/Gold_Secured_Disclosure.pdf' target='_blank' aria-label=\"Visa Gold Card\")View/Download Disclosure(%tr%/a)

Real Estate Loans

 
Home Equity Line of Credit APR* Loan Amounts
Semi-Annual Adjustable 4.99%*** $10,000 - $250,000
  Payment Example: $25,001 financed for 15 years (180 months) at 4.75% is a payment of $198.00 per month.  
1st Mortgage Purchase and Refinance
Owner Occupied Property Please click here for current rates and terms.  
Investment Property    
Construction and Vacant Land Loan
Please Call us at 808-877-3232 for current rates & terms or Apply Today!

Rates effective June 1, 2019

*APR = Annual Percentage Rate. The loan rates advertised are "A+" Tiered Rates under our Reflective Loan Pricing Program. Other Terms, Conditions, and Restrictions may apply. Loan Rates are subject to change without prior notice.

**Only available to "A+", "A" & "B" Credit Tier.

***This is a special rate which will be in effect until 12/31/2019, after which the rate may return to the normal based on the appropriate index as disclosed in the loan documents.

savings_rates table

Savings Rates

TypeDividend RateAPY*
Checking - Share Draft0.050%0.050%
Share Savings0.150%0.150%
Christmas Savings0.150%0.150%
Term Share Certificates
6 months0.747%0.750%
1 Year1.240%1.250%
2 Years1.490%1.500%
5 Years2.230%2.250%

Rates effective August 1, 2018

* APY = Annual Percentage Yield. Rates and terms are subject to change.