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Rates Effective April 1, 2008

*APR = Annual Percentage Rate Go To Loan Application | Go To Calculators | Back to Top

Rates subject to change. Membership eligibility is required. Contact an employee about applicable terms and fees.

Savings	Rate	APY*	Term
Regular Share and Club Share Account	0.10	0.10	n/a
Member Business Regular Share Account - minimum balance to earn dividends $100.00	0.10	0.10	n/a
Dollar Dog Kids Club and Youth Share Account	0.75	0.75	n/a
Value Checking Plus+	0.10	0.10	n/a
Member Business Checking Plus+ - minimum balance to earn dividends $2,000.00 $10.00 per month fee if Business Checking Plus+ balance falls below $5,000.00	0.10	0.10	n/a
IRA Share	1.50	1.51	n/a
Money Market Plus+ - $0.00 to $1,999.99	0.00	0.00	n/a
Money Market Plus+ - $2,000.00 to $9,999.99	1.45	1.46	n/a
Money Market Plus+ - $10,000.00 to $24,999.99	1.50	1.51	n/a
Money Market Plus+ - $25,000.00 to $49,999.99	1.65	1.66	n/a
Money Market Plus+ - $50,000.00 to $99,999.99	1.75	1.76	n/a
Money Market Plus+ - $100,000.00 and over	2.00	2.02	n/a
Member Business Money Market Plus+ - $0.00 to $1,999.99	0.00	0.00	n/a
Member Business Money Market Plus+ - $2,000.00 to $9,999.99	1.45	1.46	n/a
Member Business Money Market Plus+ - $10,000.00 to $24,999.99	1.50	1.51	n/a
Member Business Money Market Plus+ - $25,000.00 to $49,999.99	1.65	1.66	n/a
Member Business Money Market Plus+ - $50,000.00 to $99,999.99	1.75	1.76	n/a
Member Business Money Market Plus+ - $100,000.00 and over	2.00	2.02	n/a

TRUTH-IN-SAVINGS DISCLOSURE SHARE SAVINGS ACCOUNT Rate Information: The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union Board of Directors. Compounding and crediting - Dividends will be accrued every month. Dividends will be credited to your account every quarter. Dividend period - For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the third Wednesday of the prior dividend period. For the example above, for the calendar year 1998, the dividend declaration date is December 17, 1997. Minimum balance requirements: The minimum required to open this account is the purchase of a share in the credit union. Please see the bylaw requirements in the Common Features section for additional information. Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account. Transaction limitations: During any statement period, you may not make more than six withdrawals or transactions to another credit union account of ours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card (if applicable), or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union. Par value of a share: The par value of a share in this account is $25.00. SHARE DRAFT ACCOUNT Minimum balance requirements: The minimum required to open this account is the purchase of a share in the credit union. Please see the bylaw requirements in the Common Features section for additional information. Transaction limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features section. Par value of a share: The par value of a share in this account is $25.00. MONEY MARKET PLUS+ ACCOUNT Rate Information: The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union Board of Directors. Compounding and crediting - Dividends will be credited to your account every month. Dividend period - For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the third Wednesday of the prior dividend period. For the example above, for calendar year 1998, the dividend declaration date is December 17, 1997. Minimum balance requirements: The minimum balance required to open and earn dividends on this account is $2,000.00. Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to you account. Transaction limitation: During any statement period, you may not make more than 4 withdrawals or transfers. No more than 3 withdrawals or transfers may be made by check. The minimum amount for deposits and withdrawals is $500. Par value of a share: The par value of a share in this account is $25.00. CHRISTMAS CLUB ACCOUNT Rate Information: The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union Board of Directors. Compounding and crediting - Dividends will be accrued every month. Dividends will be credited to your account every quarter. Dividend period - For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the third Wednesday of the prior dividend period. For the example above, for the calendar year 1998, the dividend declaration date is December 17, 1997. Minimum balance requirements: The minimum required to open this account is the purchase of a share in the credit union. Please see the bylaw requirements in the Common Features section for additional information. Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account. Transaction limitations: You may not make any withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or similar order or third party. If any withdrawal is made from this account before October 1 then this account may be closed. Par value of a share: The par value of a share in this account is $25.00. CLUB ACCOUNT Rate Information: The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union Board of Directors. Compounding and crediting - Dividends will be accrued every month. Dividends will be credited to your account every quarter. Dividend Period - For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the third Wednesday of the prior dividend period. For the example above, the calendar year 1998, the dividend declaration date is December 17, 1997. Minimum balance requirements: The minimum required to open this account is the purchase of a share in the Credit Union. Please see the bylaw requirements in the Common Features section for additional information. Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends on non-cash method - Dividends will begin to accrue on the business day you place non-cash items (for example, checks) to your account. Transaction limitations: During any statement period, you may not make more than six (6) withdrawals or transfers to another Credit Union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. No more than there (3) of the six (6) transfers may be made by check, draft, debit card (if applicable), or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, you account will be subject to closure by the Credit Union. Par value of a share: The par value of a share in this account is $25.00. IRA SHARE SAVINGS ACCOUNT Rate information: The dividend rate and the annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the Credit Union Board of Directors. Compounding and crediting - Dividends will be accrued every month. Dividends will be credited to your account every quarter. Dividend Period - For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the third Wednesday of the prior dividend period. For the example above, the calendar year 1998, the dividend declaration date is December 17, 1997. Minimum balance requirements: The minimum required to open this account is the purchase of a share in the Credit Union. Please see the bylaw requirements in the Common Features section for additional information. Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends on non-cash method - Dividends will begin to accrue on the business day you place non-cash items (for example, checks) to your account. Transaction limitations: You may not make any withdrawals or transfers to another Credit Union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or similar order to a third party. COMMON FEATURES Bylaw requirements: You must complete payment of one share in your Share Savings account as a condition of admission to membership. Transaction limitation - We reserve the right to at any time require not less than seven (7) days notice in writing before each withdrawal from any interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Nature of dividends - Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. National Credit Union Share Insurance Fund - Member accounts in this Credit Union are federally insured by the National Credit Union Share Insurance Fund. Back to Top

Rates subject to change. Membership eligibility is required. Contact an employee about applicable terms and fees.

Regular & CESA Term Share Certificate Rates - All funds insured up to $350,000		Rate	APY**	Term
REGULAR & CESA - 3 month		1.99	2.0	3
REGULAR & CESA - 6 month		2.23	2.25	6
REGULAR & CESA - 9 month		2.23	2.25	9
REGULAR & CESA - 12 month		2.82	2.85	12
REGULAR & CESA - 18 month		2.82	2.85	18
REGULAR & CESA - 24 month		2.82	2.85	24
REGULAR & CESA - 30 month		2.87	2.90	30
REGULAR & CESA - 36 month		3.11	3.15	36
REGULAR & CESA - 48 month		3.21	3.25	48
REGULAR & CESA - 60 month		3.46	3.50	60
*Unless noted above the minimum deposit is $500.00
Jumbo Term Share Certificate Rates - All funds are insured up to $350,000		Rate	APY**	Term
JUMBO - Over $50,000		2.85	2.90	24
JUMBO - Over $50,000		2.90	2.95	30
JUMBO - Over $50,000		3.15	3.20	36
JUMBO - Over $50,000		3.25	3.30	48
JUMBO - Over $50,000		3.50	3.55	60
IRA and ROTH Term Share Certificates Rates - All funds are insured up to $500,000		Rate	APY**	Term
IRA & ROTH - 3 month		1.99	2.00	3
IRA & ROTH - 6 month		2.23	2.25	6
IRA & ROTH - 9 month		2.23	2.25	9
IRA & ROTH - 12 month		2.82	2.85	12
IRA & ROTH - 14 month		2.82	2.85	14
IRA & ROTH - 18 month		2.82	2.85	18
IRA & ROTH - 24 month		2.82	2.85	24
IRA & ROTH - 30 month		2.87	2.90	30
IRA & ROTH - 36 month		3.11	3.15	36
IRA & ROTH - 48 month		3.21	3.25	48
IRA & ROTH - 60 month		3.46	3.50	60
*Unless noted above the minimum deposit is $500.00
**Annual Percentage Yield

TRUTH-IN-SAVINGS DISCLOSURE Contact an employee about applicable fees and terms. SHARE CERTIFICATE ACCOUNT If your account has an original maturity of 48 months: The penalty will equal 24 months dividends on the amount withdrawn subject to penalty. This may reduce the principal of the certificate if withdrawn during the initial 24 months of deposit. If your account has an original maturity of 60 months: The penalty will equal 30 months dividends on the amount withdrawn subject to penalty. This may reduce the principal of the certificate if withdrawn during the initial 30 months of deposit. In certain circumstances such as death or incompetence of the owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan. Withdrawal of Dividends Prior to Maturity - This annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. Automatically Renewable Account - This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, your funds will be placed in your regular share account. Each renewal term will be the same as the original term, beginning on the maturity date. The dividend rate will be the same we offer on new term share accounts on the maturity date which have the same term, minimum balance (if any) and other features as the original term share account. Grace Period - You will have a grace period of ten (10) calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. Bylaw Requirements - You must complete payment of one share in your Share Savings account as a condition of admission to membership. Par value of a share in this account is $25.00. National Credit Union Share Insurance Fund - Member accounts in this Credit Union are federally insured by the National Credit Union Share Insurance Fund. Maturity Notice - Your __________ account will mature on ____________ and it will automatically renew unless you prevent it. The new maturity date will be ____________. The dividend rate and annual percentage yield that will apply to your account if renewed has not yet been determined. That information will be available on your maturity date. After that date, you may call the Credit Union during regular business hours at (419) 625-9025 or (800) 691-9299 to find out the dividend rate and annual percentage yield that will apply to your account if it is renewed. Back to Top   Rate Information - The dividend rate on your share certificate account is ______% with an annual percentage yield of _____%. You will be paid this rate until first maturity. Compounding frequency - Unless otherwise paid, dividends will be compounded every quarter. Crediting frequency - Dividends will be credited to your account every quarter. Alternatively, you may choose to have dividends paid to you or to another account every month rather than credited to this account. Dividend period - For this account type, the dividend period is the same as the term, beginning on the date the account is opened, and ending on the stated maturity date. Minimum balance requirements: The minimum balance required to open this account is $500.00. You must maintain a minimum daily balance of $500.00 in your account each day to obtain the disclosed annual percentage yield. Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends on noncash deposits - Dividend will begin to accrue on the business day you place non cash items (for example, checks) to your account. Transaction limitations: After the account is opened, you may not make additions into the account until the maturity date stated on the account. You may make withdrawals of principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can only withdraw dividends credited in the term before maturity of that term without penalty. You can withdraw dividends anytime during the term of crediting after they are credited to your account. This dividend withdrawal limitation does not apply if you have made arrangements to have dividends paid to you or to another account in lieu of having them credited to this account. Time requirements - Your account will mature depending on the term of you share certificate. Early withdrawal penalties (a penalty will be imposed for withdrawals before maturity) If your account has an original maturity of one year or less: The penalty will equal two (2) months' dividends on the amount withdrawn subject to penalty. If your account has an original maturity of more than one (1) year, up to two (2) years: The penalty will equal four (4) months dividends on the amount withdrawn subject to penalty. If your account has an original maturity of two (2) years or more: The penalty will equal six (6) months dividends on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan. Withdrawal of dividends prior to maturity - The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. Automatically renewable account - This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, your funds will be placed in a dividend-bearing account. Each renewal term will be the same as the original term, beginning on the maturity date. The dividend rate will be the same we offer on new term share accounts on the maturity date which have the same term, minimum balance (if any) and other features as the original term share account. You will have a grace period of ten (10) calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. Par value of share: The par value of a share in this account is $25.00. Bylaw requirements: You must complete payment of one share in your Share Savings account as a condition of admission to membership. National Credit Union Share Insurance Fund - Member account in this Credit Union are federally insured by the National Credit Union Share Insurance Fund. 48 & 60 Month TERM SHARE CERTIFICATE ACCOUNT Rate Information - The dividend rate on your share certificate account is ______% with an annual percentage yield of _____%. You will be paid this rate until first maturity. Compounding Frequency - unless otherwise paid, dividends will be paid and compounded on the last day of every quarter. Crediting Frequency - Dividends will be credited to your account every quarter. Alternatively, you may choose to have dividends paid to you or to another account every month rather than be credited to this account. Dividend period - For this account type, the dividend period is the same as the term, beginning on the date the account is opened, and ending on the stated maturity date. Minimum Balance Requirements - The minimum balance that is required to open this account is $500.00. You must maintain a minimum daily balance of $500.00 in your account each day to obtain the disclosed annual percentage yield. Daily Balance Computation Method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of Dividends on Non-cash Deposits - Dividends will begin to accrue on the business day you place non-cash items (for example, checks) to your account. Transaction Limitations - After the account is opened, you may not make additions into the account until the maturity date stated on the account. You may not make withdrawals of the principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can only withdraw dividends credited in the term before maturity if you have made arrangements to have dividends paid to you or to another account in lieu of having them credited to this account. Time Requirements - Your account will mature _____________ Early Withdrawal Penalties - A penalty will be imposed for withdrawals before maturity.

Due to daily fluctuating rates please call VFCU for a 1st Mortgage rate quotes.

Effective May 1, 2008 Prime Rate of Interest = 5.00%

Home Equity Products

Listed above are our lowest rates.

Actual rates are based upon one or more of the following: Credit Qualifications, Term of Loan, Loan to Value Ratio, Type of Home Equity product selected and Payment Method.

Pre-Payment penalties may apply.

Although rates are updated often on this site, for the most current rates and loan product information, contact a VFCU representative for complete details at 419-625-9025 or 800-691-9299.

All rates are subject to change without notice.