Current rates.
All of them.
Every Vida rate and fee on one page. Loans, savings accounts, certificates, and the full fee schedule. Updated regularly. Always verify before applying.
Loan Rates
Lowest available APR, reflecting a 0.25% discount for electronic repayment and direct deposit enrollment. On approved credit, the Credit Union will finance up to 100% of the purchase price of new vehicles and 100% of the Kelley Blue Book retail value for used vehicles; 72 month financing is available for loans of $20,000 or more and 84 month financing for loans of $30,000 or more. Minimum payment $125. All loans are considered individually; your rate may be higher than the rate shown. Learn more about auto loans.
Minimum loan amount $500. Membership must be open for at least one month. Application fees may apply. Lowest available APR, reflecting the 0.25% electronic repayment discount. Learn more about personal loans.
On approved credit, the Credit Union will finance up to 80% of the purchase price of new motorcycles, not including tax and license, and up to 100% of the Kelley Blue Book wholesale value. Lowest available APR, reflecting the 0.25% electronic repayment discount.
100% financing available on approved credit, not including tax, license and fees. 60 month financing is available on loans of $12,500 or more, 72 month financing on loans of $20,000 or more and 84 month financing on loans of $30,000 or more. Lowest available APR, reflecting the 0.25% electronic repayment discount.
Up to 60 month financing on all RV loans; 84 month financing for RV loans of $25,000 or more, 120 month financing for RV loans of $35,000 or more, 144 and 180 month financing for RV loans of $50,000 or more. Minimum payment $125. New RVs: on approved credit, the Credit Union will finance up to 100% of the purchase price, not including tax, license and other fees. Used RVs: on approved credit, up to 100% of the Kelley Blue Book retail value. Lowest available APR, reflecting the 0.25% electronic repayment discount.
Class 1: pedal assist only, 20 mph limit. Class 2: pedal assist or throttle, 20 mph limit. Class 3: pedal assist only, 28 mph limit, helmet required, riders 16 and older.
APR applies to purchases, balance transfers and cash advances. No annual fee on either card. 25-day grace period on purchases when the full balance is paid by the due date. Balance transfer fee 2% (minimum $2, maximum $10), cash advance fee 1%, no foreign transaction fee, late or returned payment up to $25. Learn more about the Visa card.
Home equity rates are quoted individually. Call (909) 983-1959 or ask in branch for current rates. Learn more about home equity.
First mortgages are originated through Vida's partner Varris Mortgage Solutions. Current rates for Conventional, FHA, Jumbo, USDA, VA, CalVet and other programs are maintained by Varris and updated daily; today’s rate table is on the Home Loans page.
Savings Rates
APY means Annual Percentage Yield. Dividend rates and APYs are accurate as of the date shown above; for all accounts except certificates they may change after the account is opened. Fees could reduce the earnings on an account.
For all accounts except term share (certificate) accounts, the dividend rate and the Annual Percentage Yield (APY) may change every month as determined by the Credit Union's Board of Directors. For all accounts except term share (certificate) accounts, dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. The rates in this rate sheet are reviewed at least monthly by management and the presented rates are the current rates as of the date shown above. IRA Share Accounts are available for Traditional IRAs, Roth IRAs and Education IRAs. Learn more about IRAs.
13 Month Certificate Special (New Money): the new money requirement is defined as 50% of the certificate balance or a $10,000 minimum that must come from another institution or cash. IRA Certificates are available for Traditional IRAs, Roth IRAs and Education IRAs. Early withdrawal penalties are days of dividends on the amount withdrawn. Learn more about certificates.
Schedule of Fees
The full schedule of fees and charges is available in branch. Call (909) 983-1959 with questions.
All rates on this page are subject to change without notice. Loan rates shown are the lowest available APR at the time of publication and may require electronic repayment or other qualifying conditions; your actual rate depends on creditworthiness, loan term and other individual factors. Always verify current rates with Vida FCU at (909) 983-1959 or in branch at 1520 N. Palmetto Ave., Ontario, CA before applying for any product or opening any account.
Questions
about rates?
Call us, come in, or apply online. Real people answer the phone. No automated rate calculator that pretends to be help.