Current Rates
Loan Rates
personal_loan_rates table|
| 12 mos | 7.25% | 11 monthly payments of $86.66, 1 estimated final payment of $86.60 |
| 24 mos | 7.25% | 23 monthly payments of $44.90, 1 estimated final payment of $44.75 |
| 36 mos | 7.50% | 35 monthly payments of $31.11, 1 estimated final payment of $30.97 |
| 48 mos | 7.75% | 47 monthly payments of $24.30, 1 estimated final payment of $24.14 |
| 60 mos | 8.00% | 59 monthly payments of $20.28, 1 estimated final payment of $20.11 |
| 72 mos | 9.00% | 71 monthly payments of $18.03, 1 estimated final payment of $17.82 |
new_auto_rates table|
| 36 mos | 4.75% | 35 monthly payments of $29.86, 1 estimated final payment of $29.82 |
| 48 mos | 4.75% | 47 monthly payments of $22.92, 1 estimated final payment of $22.81 |
| 60 mos | 5.00% | 59 monthly payments of $18.88, 1 estimated final payment of $18.34 |
| 72 mos | 6.00% | 71 monthly payments of $16.58, 1 estimated final payment of $16.10 |
| 84 mos | 7.00% | 83 monthly payments of $15.10, 1 estimated final payment of $14.47 |
old_auto_rates table|
| 36 mos | 4.75% | 35 monthly payments of $29.86, 1 estimated final payment of $29.82 |
| 48 mos | 4.75% | 47 monthly payments of $22.92, 1 estimated final payment of $22.81 |
| 60 mos | 5.00% | 59 monthly payments of $18.88, 1 estimated final payment of $18.34 |
| 72 mos | 6.00% | 71 monthly payments of $16.58, 1 estimated final payment of $16.10 |
share_secured_rates table|
| Up to 10 Years | 2.00% | 119 monthly payments of $92.02, 1 estimated final payment of $91.58 |
overdraft_rates table|
| Up to $5,000.00 | 15.00% | $25 per $1000 outstanding |
photovoltaic_rates table|
| Up to 84 mos | 4.99% | 83 monthly payments of $141.31, 1 estimated final payment of $141.21 |
credit_cards_rates table|
| VICFCU Platinum Visa | 9.99% | (%tr%a href='/home/fiFiles/static/documents/Platinum_Disclosure.pdf' target='_blank' aria-label=\"Visa Platinum Card\")View/Download Disclosure(%tr%/a) |
| VICFCU Secured Visa | 12.00% | (%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 Visa | 12.00% | (%tr%a href='/home/fiFiles/static/documents/Gold_Secured_Disclosure.pdf' target='_blank' aria-label=\"Visa Gold Card\")View/Download Disclosure(%tr%/a) |
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| Please Call us at 808-877-3232 or email loans@vicfcu.org for current rates & terms. |
Apply Today! |
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| Owner Occupied Property |
Please call for current rates and terms. |
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| Investment Property |
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| Please Call us at 808-877-3232 or email loans@vicfcu.org for current rates & terms. |
Rates effective January 1, 2026
*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.
***The rate will be in effect until 6/30/2026, after which the rate may change to the normal based on the appropriate index as disclosed in the loan documents.
savings_rates table|
| Checking - Share Draft | 0.01% | 0.01% |
| Ko Rewards Checking** | 3.50% | 3.50% |
| Share Savings | 0.05% | 0.05% |
| Ko Rewards Savings | 5.00% | 5.00% |
| Christmas Savings | 0.05% | 0.05% |
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| 6 Months | 3.69% | 3.75% |
| 1 Year | 3.20% | 3.25% |
| 18 Months | 2.72% | 2.75% |
| 2 Years | 2.96% | 3.00% |
| 5 Years | 2.96% | 3.00% |
Rates effective as of January 1st, 2026
* APY = Annual Percentage Yield. Rates and terms are subject to change.
** Ko Rewards Checking Qualifications:
To earn the Ko Rewards Checking rate, you must meet the applicable monthly qualification requirements, including completing at least 10 signature-based debit card purchases that post and settle to your account, having at least two ACH debits or credits, and being enrolled in eStatements during the qualification cycle. When qualifications are met, balances from $0.00–$10,000.00 earn 3.50% APY; balances $10,000.01 and greater earn an APY of 0.01%*. If qualifications are not met, the account earns 0.01% APY. APY = Annual Percentage Yield. Rates are subject to change.
