• LOAN PRODUCTS

VUMCU is committed to providing loans for all members at the lowest possible cost. We offer a wide variety of personal loan products to meet your individual borrowing needs. When you need a loan, think of your credit union first.

Click here to check out our great rates on all our loan products! To contact a loan officer, request a loan application, or for more information about any of our Loan Products, please e-mail us at loans@vumcu.org.

Personal Loans
Need a vacation, a computer or funds for back-to-school shopping? No matter what you may need the money for, a low-interest VUMCU Personal Loan is an affordable way to get it.

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Line-of-Credit
If you need to borrow money from time to time we can make it easy with our line of credit accessed with just a quick call to one of our loan officers, or by accessing your account with CU Online. Credit limits are available up to $10,000 with monthly payments calculated as 3% of the loan balance after each loan advance.

Overdraft Protection
A checking account with VUMCU is even easier when you have an established overdraft protection line of credit loan. If you make an error or miscalculation, your account will be activated and save you money on unnecessary fees and possible embarrassment.

Click here for personal or line of credit rates

Vehicle Loans
We have the best rates for your next vehicle loan! Turn to VUMCU when you are shopping for a car, truck, motorcycle, boat, motor home or recreational vehicle. Get the latest NADA and New Car Guide information to make sure you get the best deal! We offer 100% financing (including taxes, title, tags), with terms up to 84 months on some models. Vehicles 3 years old and newer qualify for new auto rates.

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Regular Share or Share Certificate Pledged Loans
Qualify for a lower interest rate and up to 72 months to repay when you secure a loan with shares or a share certificate.

VISA Credit Cards
Don't waste your money with high credit card fees and interest rates. A VUMCU VISA credit card has great benefits that are sure to save you money.

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For security reasons, if you shop online, you will be prompted to sign up for Verified by VISA. For more information on the process click here.

Second Mortgages
Use the equity you have built up in your home to handle large expenses, such as home improvements, educational costs or debt consolidation. Second Mortgages offer many advantages, including…

•	Low fixed interest rate
•	Up to 90% equity financing available
•	Fast turn-around time
•	Interest that may be tax-deductible (consult your tax advisor for details)

Rates vary based on your combined loan to value. To figure your value, add the amount of your first mortgage to the amount you wish to borrow as a second. Divide this figure by your current tax assessment.

Click here to check the rate based on the term you choose and the combined loan to value.

Home Equity Line of Credit
Use the equity in your home to have a pre established limit. Accessibility is easy-write a check on your VUMCU checking account, visit us at CU Online or call our office for assistance.

•	Up to 80% equity financing available
•	Fast turnaround time
•	Variable interest rate tied to prime rate

Rates are based on your combined loan to value. Call the Credit Union to find out your  individual rate today!

Organizational Church/Agency Loans
Check with us first when your church or organization needs a loan. We know how involved this process can be and we offer loans for refinances, new construction, renovations, vans and buses, parsonages and lines of credit. We will consider any loan amount.

Organizational Church/Agency VISA
We also have a credit card program for the organization’s business use. With our card, the cardholder does not have to use their own credit to buy for the organization. Money management becomes easier and you have a monthly statement of purchases. Please contact the Credit Union for rates. visa@vumcu.org

Click here for rates

For security reasons, if you shop online, you will be prompted to sign up for Verified by VISA. For more information on the process click here.

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