Vitelco Employees FCU

 

Online Access

 

 

Rates & Fees

Loan Accounts

Rates Accurate as of December 4, 2012

Loans

Regular Loan -Secured  Minimum $1,500   Maximum $10,000
10.00% APR* 6-12 Months  
12.00% APR* 13-18 Months  
13.00% APR* 19-60 Months  
 
Home Improvement Loan   Minimum $2,000   Maximum $5,000
12.00% APR* 18-48 Months  
 
Personal Loan   Minimum $1,000   Maximum $2,500
11.00% APR* 6-12 Months  
12.00% APR* 13-18 Months  
13.00% APR* 19-24 Months  
 
Vacation Loan   Minimum $1,500   Maximum $3,000
11.00% APR* 6-12 Months  
12.00% APR* 13-18 Months  
13.00% APR* 19-24 Months  
 
Revolving Account / Lune of Credit
Maximum $1,500 with an annual fee of $2.00
13.00% APR*
 
Computer Loan   Maximum $1,500
12.00% APR* 24 Months  
  
Share-Secured Loans

One Hundred Percent Loan   Maximum 100% of share balance
8.00% APR*

Fees & Disclosures

 
Deposit Account Fees

Rejoining Fee $ 25.00
Dormant Account Fee $ 5.00
Excessive Withdrawal Fee $ 5.00
Christmas Club Cancellation Fee $ 5.00
Vacation Club Cancellation Fee $ 5.00
Share Certificate Cancellation Fee $ 5.00
Return Check Fee $ 20.00
Return ACH Fee $ 20.00
 
Loan Account Fees

Loan Processing Fee $ 20.00
Credit Check Fee $ 10.00
Revolving Advance Processing Fee $5
Life Insurance/ Disability Varies

* APR = Annual Percentage Rate.
 

 
Statue

Rocky coastline

 

Vitelco Employees Federal Credit Union
PO Box 303920, St. Thomas, VI 00803-3920
(340) 776-4500  /  (340) 693-0434 Fax

 

Your Savings  are federally insured by NCUA
Federally Insured by NCUA
up to at least $250,000

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