Rates

Rates

Savings

Current Savings Rates as of March 23, 2023
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)
$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 Contact us for rates
$100,000+ Contact us for rates
 
Performance Money Market (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
Daily balance $500-$10,000* 1.00% 1.00%
 
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%

*Personal Checking: On 7-1-23, the Primary Share Draft account (Suffix 8 dividend rate will change to a range of 0.00% to 1.00% APY with an annual yield of 0.00% to 1.00%. For Primary Share Draft account (Suffix 8 with an average daily balance of $500 to $10,000, the dividend rate will increase to 1.00% with an annual yield of 1.00%. Primary Share Draft account (Suffix 8 balances that fall outside the $500-$10,000 range, the dividend rate will decrease to 0.00% with an annual yield of 0.00%. Account daily balances on our Primary Share Draft account (Suffix 8 are calculated and dividends paid on the last business day of the month. All other secondary Share Draft accounts will not earn dividends.

*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 December 1, 2023

Auto/Light Truck

Model Year Max Term of Loan Months Rates (APR) Apply
Auto Loans
2018 – 2024 60 As low as 5.74% Apply Now
New/Used Vehicle (2018 or newer) 75 As low as 5.74% Apply Now
New/Used Vehicle (2018 or newer) 84 As low as 6.74% Apply Now
Used Vehicle (2017 or older) 60 As low as 9.24% Apply Now
Used Vehicle (2017 or older) 72 As low as 9.49% Apply Now
Motorcycle Loans
New/Used Motorcycle (2018 or newer) 60 As low as 10.99% Apply Now
Used Motorcycle (2017 or older) 60 As low as 13.24% Apply Now
ATV Loans
New/used ATV (2018 or newer) 60 As low as 12.49% Apply Now
Used ATV (2017 or older) 60 As low as 15.24% Apply Now
Recreational Vehicle Loans
New/Used Boat/Jetski/RV 84 As low as 10.74% Apply Now
New/Used Boat/Jetski/RV 120 As low as 10.74% Apply Now
New/Used Boat/Jetski/RV 180 As low as 11.24% Apply Now
Other Collateral</ 60 As low as 16.24% Apply Now
Personal Loan 60 As low as 13.49% Apply Now
Ready-Set-Go loan 18 As low as 12.49% Apply Now
Personal Line of Credit As low as 13.24% Apply Now
Overdraft Line of Credit As low as 13.24% Apply Now
Day Note Loan 12 As low as 13.49% Apply Now
100% Share Secured 60 As low as 3.25% Apply Now
Certificate Secured 2.00% margin Apply Now

+Annual Percentage Rate. All rates are subject to membership length, credit score and credit approval. Rates are subject to change without notice. $529.99 is an example payment for a loan amount of $30,000 at 3% interest for 60 months. Rates for seven model years or newer auto loans, personal loans and personal lines of credit are eligible for a 1.25% rate buy-down program discount. Please contact the Credit Union for applicable fees, terms or buy-downs.

Mortgage Loans

Current Rates as of August 1, 2023

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 Contact us for rates 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.