Signature/Share Secured Loan Rates

Signature/Share-Secured Loan

Rates effective as of 4-01-2018 and are subject to change

Type	Term	Maximum Amount	APR1
Signature Loan	48 months	$50,000	As low as 7.90%2
Share-Secured Loan	60 months	Balance of Savings	3.95%3
Uniform/Union Dues Loan	$10/Week	$250	16.90%
PayDay Loan	1-12 months	$200 - $2,000	27.90%
1APR = Annual Percentage Rate. 2Discounted rate based on Premier FICO score 750+ with a .50% discount for net direct deposit and .50% discount for automatic payment. Certified Federal Credit Union has a managed-risk credit program and rates vary based on your individual FICO score, except for Share-Secured Loans. 2 Monthly payment is $24.37 per $1,000 financed at 7.90% APR for 48 months 3 Monthly payment is $18.40 per $1,000 financed at 3.95% APR for 60 months

Share Certificate (CD) Loans

With a Share Certificate loan, your loan is secured by your Vons Credit Union Share Certificates. The amount of your loan cannot exceed 90% of your Share Certificate account balance.

Share Secured Loans

With a Share Secured loan, your loan is secured by your Vons Credit Union Share account. The amount of your loan cannot exceed your Share account balance.

PayDay Loans

PayDay Loans are a fast, convenient way to get cash to pay bills and avoid returned checks. These loans are for emergencies only and have much more reasonable rates than Cash-Advance Lenders. There’s no wait & no credit check! A $20 application fee applies.

Vons Employee Uniform/Union Dues Loan

As a Vons employee, you are eligible for a loan to help you pay for the cost of your uniforms and/or union dues.

• Maximum loan amount = $250
• Must be employed by The Vons Companies for at least 60 days