Current Loan Rates
All Loan Rates Disclosed As An Annual Percentage Rate (APR)
All Loan Rates Effective Date Tuesday, January 6, 2009 .
Rates subject to change. Refinances valid only on loans originally financed through other institution or sources.

Vehicle Loan Rates - Conventional Financing
New Automobiles (up to 100% of MSRP)
Best Rates Quoted
Your rate may vary based on your credit profile and payment election.
2009 - 2008 model years
Term APR As Low As
Up to 72 months ($15,000 minimum loan)
6.99%
Up to 63 months
6.25%
Up to 48 months
6.25%

Used Automobiles (up to 100% of NADA Retail)
Effective August 22, 2006, NADA trade-in value will be used for any vehicle with over 100,000 miles.
Best Rates Quoted
Your rate may vary based on your credit profile and payment election.
2009 - 2004 model years
Term APR As Low As
Up to 72 months ($15,000 minimum loan)
7.25%
Up to 63 months
6.50%
Up to 48 months
6.50%
2003 and older model years*
Term APR As Low As
Up to 63 months
6.50%
Up to 48 months
6.50%
*2001 or older model year automobiles are 0.50% higher than the posted rate. 48-month maximum term.

New and Used Boats and RVs (up to 90% of MSRP or NADA Retail)
Best Rates Quoted
Your rate may vary based on your credit profile and payment election.
2008 and older model years
Term APR As Low As
Up to 180 months ($35,000 minimum loan)
7.49%
Up to 144 months ($10,000 minimum loan)
6.99%
Up to 72 months
6.99%

New Motorcycles (up to 90% of Sticker Price)
Best Rates Quoted
Your rate may vary based on your credit profile and payment election.
2009 - 2008 model years
Term APR As Low As
Up to 63 months
5.99%

Student Loans
Stafford Loan
6.80%
This rate is set by the government and the same for all lenders. A Stafford loan can only be received by completing the FAFSA, a government application. Please see Student Loans for detailed information.
Parent PLUS Loan
8.50%
This rate is set by the government and the same for all lenders. A Parent PLUS loan is a federal loan and can only be applied for by completing the government application. Please see Student Loans for detailed information.
Graduate PLUS Loan
8.50%
This rate is set by the government and the same for all lenders. A Graduate PLUS loan is a federal loan and can only be applied for by completing the government application. Please see Student Loans for detailed information.

Other Types of Loans
Tuition Loan
9.90%
Pay for tuition expenses for all grades. Repayment equals tuition period, with a max. term of ten (10) months. Tuition loan is not recommended for college expenses. Please see Student Loans
Certificate-Secured Loan
2.50%
Rate calculated by Prime minus 1.50%. This loan is secured by a CD. Variable loan-rate can change quarterly.

Home Equity Line-Of-Credit
(Valid on Missouri and Illinois property only.)
Plan II
4.00%*
Rate can change quarterly.
Caps: 1% per quarter.
Index: Wall Street Prime + 0.75%*.
Floor: 1.50%
* Change in terms due to a temporary reduction in the margin, effectively reducing the variable interest rate as of 1/1/2009.
Valid on Missouri and Illinois property only.
Please read our Home Equity Line of Credit Disclosure Part 1 Disclosure Part 2 for more details.

Home Improvement Loan
10.50%

60-month maximum term. $10,000 maximum loan. Valid on Missouri and Illinois property only.


Closed End Second Mortgage (Valid on MO & IL property only.)
80% LTV
7.25%

Overdraft Protection/Signature
12.90%

Share-Secured Loan
2.50%
Rate calculated by Prime minus 1.50%. This loan is secured 100% by a Vantage Credit Union Savings account. This rate can adjust quarterly.

MasterCard Platinum Rates
MasterCard Platinum 12.90% (no autopay)
MasterCard Platinum 10.90% (w/ autopay)

VISA Credit Card Rates
VISA Classic 14.90% (no autopay)
VISA Classic 12.90% (w/ autopay)
VISA Gold 11.90% (no autopay)
VISA Gold 9.90% (w/ autopay)

Current Deposit Rates
All Deposit Rates Disclosed As An Annual Percentage Yield (APY)
All Deposit Rates Effective Thursday, January 1, 2009.
Any minimum balance requirements to earn the Annual Percentage
Yields stated are disclosed on the Financial Services-Savings Account page.
All members must maintain a General Share Account of $5.00.

Regular/Special Savings
$0 - 499.99
0.50%
$500 - 1,999.99
0.50%
$2,000 - 4,999.99
0.50%
$5,000 - 9,999.99
0.50%
$10,000 - 19,999.99
0.50%
$20,000 - 49,999.99
0.50%
$50,000+
0.50%
Holiday Club Savings
0.25%
VISA Secure Savings
0.50%

Premier Money Market Account ($10,000 minimum)
$0 - 9,999.99
0.50%
$10,000 - 19,999.99
1.25%
$20,000 - 49,999.99
1.50%
$50,000+
1.75%

SmartSaver CD ($250 minimum)
25-months
2.00%

Starter CD ($500 minimum)
13-month
2.00%

Regular Certificates of Deposit ($2,000 minimum)
6-month
2.00%
12-month
2.75%
18-month
2.90%
24-month
3.10%
36-month
3.40%
48-month
3.75%
60-month
4.00%

Jumbo Certificates of Deposit ($50,000 minimum)
6-month
2.25%
12-month
3.25%
18-month
3.40%
24-month
3.60%
36-month
3.90%
48-month
4.25%
60-month
4.50%

IRAs Cash Accounts
$0 - 499.99
0.50%
$500 - 1,999.99
0.50%
$2,000 - 4,999.99
0.50%
$5,000 - 9,999.99
0.50%
$10,000 - 19,999.99
0.50%
$20,000 - 49,999.99
0.50%
$50,000+
0.50%

Traditional IRA Certificates of Deposit ($2,000 minimum)
12-month
2.75%
18-month
2.90%
24-month
3.10%
36-month
3.40%
48-month
3.75%
60-month
4.00%

Traditional IRA Certificates of Deposit ($500 minimum)
13-month
2.00%

Jumbo Traditional IRA Certificates of Deposit ($50,000 minimum)
12-month
3.25%
18-month
3.40%
24-month
3.60%
36-month
3.90%
48-month
4.25%
60-month
4.50%

Roth IRA Certificates of Deposit ($2,000 minimum)
12-month
2.75%
18-month
2.90%
24-month
3.10%
36-month
3.40%
48-month
3.75%
60-month
4.00%

Roth IRA Certificates of Deposit ($500 minimum)
13-month
2.00%

Jumbo Roth IRA Certificates of Deposit ($50,000 minimum)
12-month
3.25%
18-month
3.40%
24-month
3.60%
36-month
3.90%
48-month
4.25%
60-month
4.50%

Deferred Compensation Plan (DCP)
Option 1 (Fixed)
3.00%
Option 2 (Variable)
3.00%

For CDs, a penalty is imposed for early withdrawal of funds. Fees can reduce the earnings on an account. Please ask a Vantage Credit Union Representative about the requirements, fees and transaction limitations on each savings option.