Loan Products

Vermont VA FCU is known for making great loans! From small personal loans to larger loans, we can help you achieve your goals and make your dreams come true. Our loan decisions are made promptly and in most cases we can approve your loan and have a check in your hands the same day. You can apply for your loan in person, by fax or through our secure internet banking web site.

New and Used Automobile Loans

New or used, your credit union has some of the most competitive vehicle loan rates around. Let us finance your car, truck, van, motorcycle or recreational vehicle.

  • Simple FREE loan application
  • No closing costs
  • No down payment required
  • 100% financing available
  • Terms up to 84 months
  • Low, affordable rates
  • Pre-approval to make shopping easy and hassle-free
  • Automatic payment from your checking or savings account
  • Refinance existing loans from other lenders
  • Auto loans financed up to NADA book retail value, including tax, license and warranty
  • GAP Insurance available for new and existing loans. Click here for a quote.

(Certain terms and restrictions apply)

Home Equity Lines and Loans

Similar to a home equity loan, you can use the equity in your home to obtain a credit line from which you can draw funds to make home improvements, consolidate debt, buy a new car, take a vacation or pay for college! Use as much or as little as you need. Interest is charged only on the outstanding balance - not the total amount of the credit line. Available credit line replenishes as you repay the outstanding balance.

  • Simple application with no application fees
  • 5-year draw period; repayment period next 15 years
  • No annual fees
  • Low, variable rates tied to the Prime Lending Rate
  • Convenient terms
  • Tax-deductible interest in most cases (contact your tax adviser)
  • No pre-payment penalty (refer to terms and conditions for details)
  • Condos and town homes eligible (some restrictions apply)
  • In-house loan servicing for the life of your loan


We have 30-year-fixed rate mortgages.

Vermont VA FCU is ready to help. Whether you’re refinancing an adjustable or fixed rate mortgage or want to buy a new home, your credit union can help you save.

For more information on our mortgage programs, we strongly urge you to:

We are here to help you with your home loan needs.

Personal Loans

Need a personal loan? Your signature and a good credit history is all you need. We offer easy repayment terms of up to 36 months. Repayment is simple and convenient with a payroll deduction or direct deposit and is designed to fit your budget. Eligibility is based on income and credit score as determined by the loan application and credit report.

Overdraft Protection Loan

Overdraft protection can give you financial breathing room. It is a revolving line of credit attached to the Vermont VA FCU share draft transaction account of your choice, allowing your account to be overdrawn up to the approved limit, and charging you interest on that amount. A Line of Credit limit is set in the application process, and minimum monthly payments are made through direct deposit, payroll allotments, by mail or via Flex Teller (online banking). Best of all, there are no regular fees for this service being attached to your account, unlike many banks.

RV Loans

Make your dream a reality! An RV loan is a term loan specifically crafted to assist members with the purchase of a recreational vehicle, including power boats, sailboats, airplanes, motor homes, campers, motorcycle, etc.

Share/Certificate Secured Loans

A secured loan allows you to use money in your Share Savings account or Term Share Certificate as security. This way you don't need to tie up property or equity, and you can still earn dividends on your savings while getting a lower loan rate. Variable rate dependent upon share dividend rate.

  • Terms up to 120 months.
  • A hold will be placed on the Share Savings account or the Term Share Certificate being used as collateral on the loan.

VISA Credit Cards

Take advantage of a VISA Credit Card from your credit union for all of your spending needs. Our Visa credit card offers you great features and low rates. Visa is accepted at countless merchants worldwide, giving you easy access wherever you are.

  • No annual fee
  • Low fixed annual percentage rate
  • Safer than carrying cash
  • 25 day grace period on purchases
  • Same great rate for cash advances
  • No cash advance fees
  • Worldwide acceptance
  • Competitive fixed rates
  • Extra security features, including toll-free customer service, purchase protection, and quick replacement if card is lost or stolen
  • Access your credit card information online via

Guaranteed Asset Protection (GAP)

Guaranteed Asset Protection (GAP) is Loan Deficiency protection designed to eliminate your unpaid net loan balance in the event your vehicle is stolen or damaged beyond repair.

Many people assume that when they lose their vehicle, the insurance company will simply pay off the loan. This is not true. The insurance company will only pay the current value of the vehicle. If this is less than what you owe on your loan (which is not uncommon), you are stuck owing the remaining balance. This puts you at a disadvantage when replacing your vehicle.

With GAP from Vermont VA FCU, you are protected from that scenario. Should you lose your vehicle through an accident or theft, the GAP will cover the net loan balance after insurance settlement AND pay you $1000 towards the purchase of a new vehicle if you finance it through Vermont VA FCU.

Get a quote right now by clicking here or contact a loan specialist at (802) 295-5104.

Credit Disability Insurance

Member paid credit disability insurance may provide qualifying members with the security in knowing that if they are unable to make their loan payments due to total disability, the payments may be made for the maximum monthly benefit of $600.

  • Maximum term of coverage: 120 months.
  • Maximum term of benefits: 120 months.
  • Available to qualifying members 18 to 66 years of age.

Credit Disability Insurance is underwritten by CMFG Life Insurance Company. This product is voluntary and not required to obtain credit. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Credit Insurance Application and the Credit Insurance Certificate for a full explanation of the terms.

Credit Life Insurance

Member paid credit life insurance provides qualifying members with the protection that the loan balance may be reduced or paid off up to policy limits should there be an unexpected death. When you choose to cover your loans with Credit Life Insurance you’re planning for your family’s financial future.

  • Maximum amount: $25,000
  • Single or joint coverage available
  • Termination age: 71 years of age

Credit Life Insurance is underwritten by CMFG Life Insurance Company. This product is voluntary and not required to obtain credit. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Credit Insurance Application and Credit Insurance Certificate for a full explanation of the terms.

Claims may be filed by contacting your credit union. If you have questions regarding your claim status, contact CMFG Life Insurance Company at 800-621-6323.


Click here to view the Credit Disability and Credit Life Insurance Brochure and Disclosure.