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APR = Annual Percentage Rate.

¹Interest rates effective 10/1/2024. Interest rate reflects a 0.25% APR discount for automatic payments from a UVA Community Credit Union Checking Account. The interest rate for this offer may vary, starting as low as 7.74% APR to 18.24% APR, based on loan amount, creditworthiness, term of loan and other qualifications. Not all applicants will qualify for the lowest interest rate, maximum loan amount or term. Maximum loan amount is $50,000. Loan terms up to 60 months.

²Interest rate effective 12/22/24. 1.99% APR introductory interest rate for purchases for 15 billing cycles after account opening on new personal Credit Union Platinum cards. Not valid on cash advances or balance transfers. After the promotional period, the introductory APR will convert to an ongoing variable interest rate based on creditworthiness. As of 12/22/2024, interest rates are 12.24% APR to 17.24% APR. This APR will vary with the market based on the Prime Rate. Foreign transaction fees may apply.

³Interest rates effective 10/1/2024 for new Home Equity Lines of Credit Flex (HELOC Flex). Payment example: 120-month term payments at 8.50% APR are $12.40 per $1,000. Interest Only payments at 8.00% APR are $6.67 per $1,000. The variable APR is based on Prime Rate plus a margin, and will vary with Prime Rate. Certain property types are not eligible collateral. Ask us for details and interest rates for investment properties or other line of credit amounts. Virginia properties only. Not all applicants will qualify for the lowest interest rate. APR may vary based on credit score, Loan to Value (LTV), Credit History and occupancy status. Property and flood insurance are required where necessary. The minimum periodic payment is interest-only for the first ten years (“draw period”) followed by fully-amortizing payments to repay the balance over the final twenty years. No draws will be allowed during the repayment period. Payments and interest rate can adjust monthly. Payments will increase if interest rates increase. At the end of the draw period, your required monthly payments will increase because you will be paying both principal and interest. The interest rate is calculated using an index plus a margin. The index used is the Prime Rate as published in The Wall Street Journal Eastern Edition on the last business day of the month prior to the change. The current prime index is 8.00%. Minimum interest rate is 3.25%. Maximum interest rate is 18%.

⁴Interest rates effective 10/1/2024. Limited time only. Loans must be funded within 30 days of application with UVA Community Credit Union to be eligible. Existing UVA Community Credit Union vehicle loans are not eligible for offer. Minimum finance rate for this special is 5.24% APR for loans up to 72 months. Maximum loan term is 84 months. Vehicle model must be ten years and newer. Max allowed mileage not to exceed 100,000. 5.24% APR payment example: 72 monthly payments of $16.22 per $1,000 borrowed. No other discounts apply. Interest rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Not all applicants will qualify for the lowest interest rate. 

⁵APY=Annual Percentage Yield. Dividend rates effective 10/1/2024, and are subject to change without notice. A blended rate account pays a different dividend rate on the amount of funds in each tier. Each dividend rate will apply only to the portion of the account balance within each balance range tier and not the entire account balance. For example, you earn 4.00% APY on balances up to $2,000.00. Then depending on your balance between $2,000.01 and $5,000.00, you will receive an APY between 4.00% and 3.38%, and so on for additional balance tiers. Visit our rates page for current dividend rates. There is a $5.00 opening balance requirement. Any type of withdrawal will reduce earnings.

Membership eligibility required. Minimum ongoing balance of $5 is required in a UVA Community Credit Union Share savings Account. Federally insured by NCUA. NMLS #302946 (www.nmlsconsumeraccess.org). Equal Housing Opportunity. All loans subject to credit approval.