Rates

Rates

Savings

Current Savings Rates as of June 30, 2022
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%
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

Account Type Dividend Rate APY*
Performance Money Market (Business & Consumer)
$2,500 - $9,999.99 0.05% 0.05%
$10,000 - $24,999.99 0.07% 0.07%
$25,000 - $49,999.99 0.10% 0.10%
$50,000 - $99,999.99 0.12% 0.12%
$100,000+ 0.15% 0.15%
 
Savings
Any balance 0.025% 0.025%
 
Checking
Any balance 0.01% 0.01%
 
Clubs
Any balance 0.025% 0.025%
 
IRA
Any balance 0.025% 0.025%
 
Business Savings
Any balance 0.025% 0.025%
 
Business Checking
Over $2,500 0.01% 0.01%

*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 August 1, 2022

Auto/Light Truck

Model Year Max Term of Loan Months Rates (APR) Apply
Auto Loans
2016 – 2022 60 As low as 5.99% Apply Now
New/Used Vehicle (2016 or newer) 75 As low as 5.99% Apply Now
New/Used Vehicle (2016 or newer) 84 As low as 6.99% Apply Now
Used Vehicle (2015 or older) 60 As low as 9.24% Apply Now
Used Vehicle (2015 or older) 72 As low as 9.49% Apply Now
Motorcycle Loans
New/Used Motorcycle (2016 or newer) 60 As low as 7.99% Apply Now
Used Motorcycle (2015 or older) 60 As low as 10.24% Apply Now
ATV Loans
New/used ATV (2016 or newer) 60 As low as 9.99% Apply Now
Used ATV (2015 or older) 60 As low as 12.24% Apply Now
Recreational Vehicle Loans
New/Used Boat/Jetski/RV 84 As low as 7.74% Apply Now
New/Used Boat/Jetski/RV 120 As low as 7.74% Apply Now
New/Used Boat/Jetski/RV 180 As low as 8.24% Apply Now
>Other Collateral 60 As low as 13.24% Apply Now
Personal Loan 60 As low as 9.74% Apply Now
Ready-Set-Go loan 18 As low as 8.74% Apply Now
Line of Credit As low as 9.49% Apply Now
Day Note Loan 12 As low as 9.74% Apply Now
Share Secured 60 As low as 2.025% Apply Now
Credit Builder Loan 36 As low as 2.025% Apply Now
Certificate Secured 2.00% margin Apply Now

+Annual Percentage Rate. All rates are subject to credit score and credit approval. Rates are subject to change without notice. $529.99 is an example payment for loan amount $30,000 at 3% interest for 60-months. Rates for seven model years or newer auto loans are eligible for a 1% buy-down program discount. Please contact the Credit Union for applicable fees, terms or buy-downs.

Mortgage Loans

Current Rates as of May 25, 2022

Mobile Home

Account Type Max Term (Months) Min. Max. Apply
New 120 Contact us for rates
Used 84 Contact us for rates

‡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.

Home Equity Line of Credit

Account Type Max Term (Months) Min. Max. Apply
Home Equity Line of Credit 300 4.07% 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 360 Apply Now
First Mortgage - Adjustable Rate 360 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.