Vanderbilt University Employees' Credit Union
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Saving Rates

Certificates of Deposit

Loan Rates

Fee Schedule

Saving Rates
Effective January 1, 2018
APR
Annual Percentage Rate
APY
Annual Percentage Yield
Savings (Share) Account 0.05 % 0.05 %
Checking (Share Draft) Account 0.05 % 0.05 %
Christmas Club Account 0.05 % 0.05 %
Rates are subject to change at any time

 

 

Certificates of Deposit
Effective March 1, 2014
APR
Annual Percentage Rate
APY
Annual Percentage Yield
6 months 0.25 % 0.25 %
12 months 0.30 % 0.30 %
18 months 0.40 % 0.40 %
24 months 0.50 % 0.50 %
36 months 0.70 % 0.70 %
Rates are subject to change at any time

 

 

Loan Rates
Effective January 1, 2018
Term
Conditions Financed Rate
New Car, Truck, Motorcycles, boats 72 months over $25,000 up to 100%
MSRP
as low as 2.50%
60 months under $25,000
Used Car, Truck, Motorcycles, boats     up to 100%
NADA retail value
as low as 2.50%
2016—2018 60 months  
2013—2015 48 months  
2010—2012 36 months  
2005—2009 24 months  
Refinanced Car
2005—2018
Remaining term  
Signature Advance 12 months $1—1,800   as low as 6.75%
18 months $1,801—3,000  
24 months $3,001—5,000  
30 months $5,001—7,500  
Co-maker Loan
Must sign guarantor agreement
same as above same as above
Line of Credit
2 times monthly
pay up to $10,000
$500—2,000 $125/month   as low as 6.75%
$2,001—5,000 $225/month
$5,001—10,000 $275/month
Share Secured 36 months   up to total Share balance current share rate +2.00%
Single Payment Advance
Must be paid in full at end of90 days
90 days $1—1,000   10.00%
$1,001—7,500 15.00%
HELOC 180 months 5 year draw Financing up to 90% Loan to Value

Rates as low as Prime plus 1.00%

Floor rate
3.00%

Cosmetic Surgery Loan Up to $10,000   9.90%
Fixed monthly payment of $250.00
Available only for Vanderbilt Department of Plastic and Cosmetic Surgery
Oral Health Services Loan Up to $10,000   9.90%
Fixed monthly payment of $250.00
Bill Wilkerson Hearing Center Loan Up to 39 months Up to $10,000   9.90%
Funds disbursed directly to Bill Wilkerson Center
Quick Cash Loan 5+ months Up to $500   28%

 

 

Fee Schedule
Effective June 1, 2013

Type Cost
Membership $0.25
Closing membership
(in first 90 days and still employed)
$25.00
Dormant account
(no activity for 6 months)
$5.00
Incorrect address
(home address only)
$3.00
Loan application
Quick Cash Loan Application
$15.00
$20.00
Single payment loan late
(after 10 days)
$5.00
Loan late
(after 10 days)
$5% of payment
(minumum $5.00)
Stop payment $38.00
Excessive withdrawal $5.00
Early withdrawal from Christmas Club $25.00
Money order $1.00
Cashiers check $2.00
Copy of statement (per page) $1.00
ACH returned items $30.00
ACH transfer $5.00
ACH non-sufficient $30.00
Share Draft NSF $30.00
Share Draft overdraft transfer $5.00
Re-order ATM/debit card $5.00
Re-order ATM/debit card PIN mailer $5.00
Temporary lien $10.00
Verification of deposit $10.00
Returned deposit Items $15.00
Redeposit of third party check $10.00
Wire transfer in $10.00
Wire transfer out $10.00
Subordination agreement processing $50.00

 

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