Our Current Rates

Rates as of Friday, November 21, 2008. All rates are subject to change without notice. See account diclosures for complete details.

Consumer Loan Rates
	Terms	APR as Low As*
New Autos, Trucks, and Vans (2008, sold as new, never previously registered)	0-36 months	5.00%
	37-48 months	5.25%
	49-60 months	5.50%
	61-72 months	5.75%
	73-84 months	6.00%
Used Autos, Trucks, and Vans (2004-2008, sold as used or previously registered)	0-36 months	5.50%
	37-48 months	5.75%
	49-60 months	6.00%
	61-72 months	6.25%
	73-84 months	6.50%
Older Used Autos, Trucks and Vans (2002-2003 model years)	0-36 months	9.00%
Older Used Autos, Trucks and Vans (2002-2003 model years)	37-48 months	9.25%
*Includes maximum relationship pricing discount of 0.50%. Click here to see how easy it is to qualify!
	Terms	APR as Low As
New Boats, RVs and Motorcycles	36-84 months	7.00%*
Used Boats, RVs and Motorcycles	36-84 months	9.00%*
Debt Consolidation Loan	Up to 42 months	9.50%
Signature Loan ($20,000 max)		9.50%
Computer Loan ($10,000 max)		9.50%
Stock Secured Loan	Up to 60 months	10.00%
Disaster Relief Loans		8.00%
Overdraft Protection		15.75%
Personal Line of Credit		9.50%
Share Secured Loan	100% funds available	3.15%
Rates, terms & conditions of loan will be based on individual credit worthiness. All loan programs and rates are subject to change without notice.

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Home Loan Rates
	Rate	APR
30-Year Fixed Rate First Mortgage (Conforming--up to $417,000)	7.625%	7.661%
NEW! 30-Year Fixed Rate First Mortgage (Agency Jumbo--up to $729,750) Conforming loan limits have been temporarily increased to amounts up to $729,750 in certain geographic areas. Please contact our real estate department at 800.995.0287 for more information.	8.125%	8.183%

15-Year Fixed Rate First Mortgage (Conforming--up to $417,000)	7.250%	7.307%
NEW! 15-Year Fixed Rate First Mortgage (Agency Jumbo--up to $729,750) Conforming loan limits have been temporarily increased to amounts up to $729,750 in certain geographic areas. Please contact our real estate department at 800.995.0287 for more information.	7.750%	7.840%

10-Year Fixed Rate Second Mortgage (up to $250,000)	8.500%	8.616%
15-Year Fixed Rate Second Mortgage (up to $250,000)	9.000%	9.086%
20-Year Fixed Rate Second Mortgage (up to $250,000)	9.500%	9.572%

3/1 Adjustable Rate First Mortgage (Conforming--up to $417,000)	7.500%	7.536%
5/1 Adjustable Rate First Mortgage (Conforming--up to $417,000)	7.750%	7.786%
NEW! 5/1 Adjustable Rate First Mortgage (Agency Jumbo--up to $729,750) Conforming loan limits have been temporarily increased to amounts up to $729,750 in certain geographic areas. Please contact our real estate department at 800.995.0287 for more information.	8.500%	8.559%
7/1 Adjustable Rate First Mortgage (Conforming--up to $417,000)	8.250%	8.287%
* APR = annual percentage rate. Listed APRs are calculated based on a $100,000 loan amount. Rates are subject to change without notice. For additional information regarding rates, fees or underwriting questions, please call the Real Estate Department at 408.955.1300, 510.653.0395, or 800.995.0287.

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Home Equity Maximizer Loan Rates
	Rate	APR
Up to 70% LTV	4.620%	4.660%
Borrow up to 70% of the home's appraised value for approved borrowers, less the balance of the first deed up to $250,000. Must be owner occupied. Rates are variable. Other terms and conditions may apply. Click here for further details, or contact our Real Estate department for more information at 408.955.1300, 510.653.0395, or 800.995.0287.

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Savings Account Rates*
	Minimum balance to earn dividends	Dividend Rate	Annual Percentage Yield
Regular Share	$300	0.15%	0.15%
Business Share	$300	0.15%	0.15%
Custom Share	$50	0.15%	0.15%
Youth Share	$50	0.15% 0.65%**	0.15% 0.65%**
Christmas Club	$50	0.90%	0.90%
Peak Savings^	$10,000	1.99%	2.00%
Rate quoted with the additional .50% APY for having an automatic transfer set up of at least $10 per month from an adult parent or guardian's Valley CU account. ^ Quoted rates include our Rate Boost**. Failure to meet rate boost requirements will disqualify the account for the rate boost and will currently lower your rate by 1.00% APY on all Valley Peak accounts and the Valley Growth Money Market, and 0.50% APY on the Valley Money Market. Earn the highest rate when you have at least one of the following service relationships: Direct deposit of $1,500 or more per month An active debit card with three or more signature-based transactions per month Enrollment in both Bill Payment and e-Statements

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Checking Account Rates*
	Minimum balance to earn dividends	Dividend Rate	Annual Percentage Yield
Valley Advantage	$2,500	0.10%	0.10%
Valley Plus	$2,500	0.10%	0.10%
Valley FREE	none	none	none
Valley Peak^	$10,000	1.74%	1.75%
Business Checking	none	none	none
^ Quoted rates include our *Rate Boost*. Failure to meet rate boost requirements will disqualify the account for the rate boost and will currently lower your rate by 1.00% APY on all Valley Peak accounts and the Valley Growth Money Market, and 0.50% APY on the Valley Money Market. Earn the highest rate when you have at least one of the following service relationships: Direct deposit of $1,500 or more per month An active debit card with three or more signature-based transactions per month Enrollment in both Bill Payment and e-Statements

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Money Market Account Rates*
	Minimum balance to earn dividends	Dividend Rate	Annual Percentage Yield
Valley Money Market ^	$2,500	1.00%	1.00%
Growth Money Market ^	$10,000	1.00%	1.00%
Peak Money Market ^	$100,000 - $249,999	2.96%	3.00%
	New tier! $250,000 +	2.96%	3.00%
Check 'n' Save Money Market Account Rates if you have an active VCU checking account **	$2,500-$4,999	0.50%	0.50%
	$5,000-$9,999	0.75%	0.75%
	$10,000-$24,999	0.75%	0.75%
	$25,000-$49,999	1.00%	1.00%
	$50,000-$99,999	1.00%	1.00%
	$100,000-$249,999	1.24%	1.25%
	New tier! $250,000 +	1.74%	1.75%
Check 'n' Save Money Market Account Rates without an active VCU checking account.	$2,500-$4,999	0.30%	0.30%
	$5,000-$9,999	0.55%	0.55%
	$10,000-$24,999	0.55%	0.55%
	$25,000-$49,999	0.80%	0.80%
	$50,000-$99,999	0.80%	0.80%
	$100,000-$249,999	1.04%	1.05%
	New tier! $250,000 +	1.54%	1.55%
^ Opening deposit must be new money. Quoted rates include our *Rate Boost. Failure to meet rate boost requirements will disqualify the account for the rate boost and will currently lower your rate by 1.00% APY on all Valley Peak accounts, and 0.50% APY on the Valley Money Market and the Valley Growth Money Market. Earn the highest rate when you have at least one of the following service relationships: Direct deposit of $1,500 or more per month An active debit card with three or more signature-based transactions per month Enrollment in both Bill Payment and e-Statements * An active checking account has at least three member initiated transactions per month to or from any of the following accounts: Valley Plus, Valley FREE, Valley Advantage or Basic Checking.

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IRA Account Rates*
	Minimumum Balance to Earn Dividends	Dividend Rate	Annual Percentage Yield
Market Rate IRA Available in Traditional, Roth, Conduit & Education IRA types	$5-$2,499	1.00%	1.00%
	$2,500-$4,999	1.00%	1.00%
	$5,000-$9,999	1.00%	1.00%
	$10,000-$24,999	1.24%	1.25%
	$25,000-$49,999	1.49%	1.50%
	$50,000-$99,999	1.74%	1.75%
	$100,000-$249,999	1.98%	2.00%
	$250,000 +	2.23%	2.25%
	Term	Dividend Rate	Annual Percentage Yield
IRA Share Certificate	6 Month	2.72%	2.75%
	12 Month	2.97%	3.00%
	18 Month	3.21%	3.25%
	2 Year	3.21%	3.25%
	2 1/2 Year	3.21%	3.25%
	3 Year	3.46%	3.51%
	5 Year	3.70%	3.75%

* The deposit rates are variable and subject to change without notice. Rates are determined by our Board of Directors at the end of each dividend period and may be different than the rate quoted. See account disclosures for complete details.

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Share Certificate Rates*
	Minimum Deposit	Dividend Rate	Annual Percentage Yield
90 Day Money Saver	$100	2.23%	2.25%
6 Month	$1,000	2.72%	2.75%
12 Month	$1,000	2.97%	3.00%
18 Month	$1,000	3.21%	3.25%
2 year	$1,000	3.21%	3.25%
2 1/2 year	$1,000	3.21%	3.25%
3 year	$1,000	3.46%	3.51%
5 year	$1,000	3.70%	3.75%

^Member must open a new checking account with direct deposit (at least $1,500 or more per month) to take advantage of this offer.Offer valid for new money only, and is subject to cancellation or modification at any time without notice. Maximum and minimum opening balance is $1,000.

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