Savings Rates
Rates are subject to change. Contact your local Vons Credit Union branch or call 800.488.8328, Ext. 231 for today’s rates.
 Share Certificates* (similar to a CD)
Type |
Term |
Minimum Balance |
Annual Rate |
Annual Yield** |
I6 |
6 Months |
$1000 |
3.00% |
3.05% |
I12 |
12 Months |
$1000 |
3.05% |
3.10% |
I18 |
18 Months |
$1000 |
3.05% |
3.10% |
I24 |
24 Months |
$1000 |
3.05% |
3.10% |
I5 |
60 Months |
$1000 |
3.54% |
3.60% |
Jumbo Share Certificates * (similar to a Jumbo CD)
Type |
Term |
Minimum Balance |
Annual Rate |
Annual Yield** |
I7 |
6 Months |
$10,000 |
3.44% |
3.50% |
I8 |
12 Months |
$50,000 |
3.44% |
3.50% |
I9 |
12 Months |
$95,000 |
3.54% |
3.60% |
Money Market
Type |
Minimum Balance |
Annual Rate |
Annual Yield** |
S11 |
$0 |
1.75% |
1.77% |
Individual Retirement Account (IRA)**
(Traditional, Roth and Coverdell)
Type |
Term |
Minimum Balance |
Annual Rate |
Annual Yield** |
IRA Certificate* |
12 Months |
$1000 |
3.05% |
3.10% |
IRA Certificate* |
18 Months |
$1000 |
3.05% |
3.10% |
IRA Certificate* |
2 Years |
$1000 |
3.05% |
3.10% |
IRA Certificate* |
5 Years |
$1000 |
3.54% |
3.60% |
Jumbo Traditional IRA Certificate* |
12 Months |
$50,000 |
3.44% |
3.50% |
Jumbo Traditional IRA Certificate* |
12 Months |
$95,000 |
3.54% |
3.60% |
IRA |
— |
$0 |
1.50% |
1.51% |
Checking & Savings
Type |
Minimum Balance |
Annual Rate |
Annual Yield** |
All Savings |
up to $2499
above $2500 |
.50%
.60% |
.50%
.60% |
Super Savings
(with Direct Deposit of net pay) |
$100 |
.70% |
.70% |
Share Draft |
above $5000 |
.30% |
.30% |
* All certificates have a seven-day grace period on maturity.
** All spousal, beneficiary, rollover and Coverdell IRA certificates are only available for 18-month terms.
Platinum Visa Loan Rates
Type |
Maximum
Credit Limit |
Rate* |
$
Visa Plus |
$$
$25,000
|
8.9% |
$
Share Secured Visa
|
$
$25,000 |
10.9% |
$
Premium Visa |
$
$25,000
|
13.9% |
$
New Start Visa |
$
$ 2,500 |
16.9% |
* Actual rate based on your credit history.
Vehicle Loan Rates
Rates are subject to change. Contact your local Vons Credit Union branch or call 800.488.8328, Ext. 452 for today’s rates.
Vons Credit Union has a managed-risk credit program and rates vary based upon the member’s credit history.
New Auto Loans
Loans made on purchase price with 100% financing (including tax, license, MBI and GAP insurance).
Term |
Minimum Loan Balance |
Rate |
24 & 36 Months |
N/A |
4.99% |
48 Months |
N/A |
5.49% |
60 Months |
N/A |
5.99% |
72 Months |
N/A |
6.49% |
84 Months |
N/A |
6.99% |
Used Auto Loans
Loans made on up to 100% of high base book value (less mileage, plus tax, license, MBI, and GAP insurance).
Term |
Minimum Loan Balance |
APR |
24 & 36 Months |
N/A |
5.99% |
48 Months |
N/A |
6.25% |
60 Months |
N/A |
6.49% |
72 Months |
N/A |
6.99% |
Vacation Trailer, RV, Boat, PWC or Motorcycle Loans
Type |
Term |
APR |
New or Used Vacation Trailer/RV
(90% of purchase) |
10 – 12 Years |
7.75% |
New or Used RV
(75% of purchase) |
10 – 12 Years |
7.25% |
New or Used Boat
(80% of purchase) |
7 Years |
10.49% |
New Motorcycle
(90% of purchase) |
60 Months |
10.99% |
Used Motorcycle
(90% of purchase) |
48 Months |
11.49% |
Personal Watercraft
(90% of purchase) |
48 Months |
10.75% |
Signature/Share-Secured Loan Rates
Type |
Term |
Maximum Amount |
Rate |
Signature Loan |
48 Months |
$25,000 |
As low as 12.9%* |
Share-Secured Loan |
60 Months |
Balance of Savings |
8.95% |
Vons Uniform/Union Dues Loan |
$10/Week |
$250 |
16.9% |
* Actual rate based on your credit history.
Real Estate Loan Rates
We have access to many unique conventional loan programs on loans up to $1,000,000. Loan rates are based on individual credit history and qualifications; contact our Real Estate Department at 800.488.8328, Ext. 453.
Type |
|
|
1st Trust Deeds (Purchase) |
|
- 10, 15, 20 and 30 year terms
- 5%, 10%, 20% down payment (with or without PMI)
- Interest-only available
CALL DAILY FOR RATES
|
1st Trust Deeds (Refinance) |
|
- 10, 15, 20 and 30 year terms
- Rate and term (no cash out)
- Cash out, debt consolidation or home improvement
- Interest-only available
CALL DAILY FOR RATES
|
Equity 1st or 2nd Trust Deeds |
|
- $50,000 to $150,000 (80% CLTV*)
- Fixed rates as low as 6.75% APR
- No up-front costs (waived after 3 years)
|
Mini Home Equity Loan*** |
|
- $25,000 to $49,000 (80% CLTV*)
Fixed rates as low as 6.99% APR
- $10,000 to $24,000 (80% CLTV*)
Fixed rates as low as 7.99% APR
- $199 total fee
|
Home Equity Line of Credit (HELOC) |
|
- $25,000 to $150,000 (up to 80% CLTV*)
- As low as prime + 0% (4.5% APR)
- No up-front costs (waived after 3 years)
- 10-year draw, up to 15-year payback
|
* CLTV = Combined Loan-to-Value |
***HELOC Information - Your variable interest rate will never increase or decrease by more than 2.00 percentage points each year and will never be less than 4.50% APR nor greater than 16.00% APR and will apply to the remaining principal balance. You can obtain credit advances for 120 months (the draw period). During the draw period, payments will be due on a monthly basis. Your minimum periodic payment will be established at the time of each advance or change in interest rate; to the amount necessary to fully amortize your then outstanding account balance no later than 180 months from the Date of Agreement, plus any portion of the minimum payments shown on prior statement(s) which remains unpaid, subject to the lesser of $50.00 or your account balance. If your payment is more than 10 days late you will be charged $20. To maintain a line of credit, you must pay us a $75 inactivity fee FINANCE CHARGE. You will pay $400 early payoff fee if you cancel your loan for any reason in the first 3 years. You must carry insurance on the property that secures this plan. You should consult a tax advisor regarding the deductibility of interest and charges for the line of credit. Loan amounts $25,000-$150,000 up to 80% CLTV.
|
Auto & Homeowners Insurance
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