#notabank / Rates Loans / Savings / Fees

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.

Rates are subject to change without notice. All rates shown reflect the lowest available APR and may require electronic repayment or other qualifying conditions. Your actual rate depends on creditworthiness, term, and other individual factors. Verify current rates with Vida FCU at (909) 983-1959 or in the Ontario branch before applying for any product.

01 Loan Rates Auto, personal, Visa, home equity

↓

02 Savings Rates Savings, money market, CDs, IRAs

↓

03 Schedule of Fees Account fees, service fees, loan fees

↓

Loan Rates

Lowest available APR. Verify before applying

Auto Loans (New and Used)Apply now

TermMinimum LoanAPR

36 monthsNo minimum4.55%

48 monthsNo minimum4.57%

60 monthsNo minimum4.58%

72 months$20,0004.88%

84 months$30,0005.28%

Lowest available APR, reflecting a 0.25% discount for electronic repayment and direct deposit enrollment. Full financing is available for new and used vehicles on approved credit. Minimum payment $125. All loans are considered individually; your rate may be higher than the rate shown. Learn more about auto loans.

Personal and Secured LoansApply now

Loan TypeMaximumMax TermAPR

Personal$20,000Up to 72 months7.99%

Share Secured100% of available shares10 years5.90%

Certificate Secured100% of certificate value10 yearsCertificate rate + 3.00%

Payday Alternative$1,000Up to 6 months28.00%

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.

Motorcycle (New and Used)Apply now

TermAPR

36 months6.24%

48 months6.75%

60 months7.00%

72 months7.75%

Watercraft (New)Apply now

TermAPR

36 months6.24%

48 months6.75%

60 months7.00%

72 months7.75%

84 months8.00%

Recreational Vehicles (New and Used)Apply now

TermAPR

60 months6.25%

84 months6.70%

120 months7.00%

144 months7.25%

180 months7.50%

E-BikesApply now

TermAPR

36 months8.50%

48 months8.75%

60 months9.00%

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.

Visa Credit CardApply now

CardCredit LineAPR

Visa PlatinumUp to $20,0008.48%

Visa ClassicCall for details11.88%

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%, foreign transaction fee 0.8%, late or returned payment up to $25. Learn more about the Visa card.

Home EquityApply now

ProductRate

Home Equity Line of Credit (variable rate)Call, email or text

Fixed-Rate Home Equity LoanCall, email or text

Home equity rates are quoted individually. Call (909) 983-1959 or ask in branch for current rates. Learn more about home equity.

First Mortgages

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.

View Mortgage Rates at Varris ↗︎Apply now

Savings Rates

Dividend rates as of September 1, 2026

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.

Savings and Checking

AccountMinimum to EarnRateAPY

Regular Savings$50.10%0.10%

Plus Savings$10,0000.40%0.40%

Advantage Savings$25,0000.55%0.55%

Checking$1,0000.10%0.10%

Money Market Checking$2,5000.70%0.70%

Holiday Account$50.10%0.10%

IRA Share Account$50.10%0.10%

For all accounts except certificates, the dividend rate and APY may change every month as determined by the Board of Directors. Dividends are paid from current income and available earnings after required transfers to reserves. Learn more about savings.

Summer Saver

AccountRateAPY

Summer Saver5.83%6.00%

Summer Saver with Loyalty Rewards6.30%6.50%

Certificates

TermMinimumEarly Withdrawal PenaltyRate / APY

3 months$5,00060 days2.67% / 2.71%

6 months$2,50060 days3.06% / 3.11%

9 months$1,00060 days3.24% / 3.29%

1 year$1,00090 days3.73% / 3.80%

13 months (special, new money)$1,00090 days4.11% / 4.20%

18 months$1,00090 days3.75% / 3.82%

2 years$1,000180 days3.78% / 3.85%

3 years$1,000180 days3.79% / 3.86%

4 years$1,000180 days3.83% / 3.90%

5 years$1,000180 days3.92% / 4.00%

13-month special: new money only. At least 50% of the balance, or a minimum of $10,000, must come from another institution or as a cash deposit. IRA certificates (12 to 60 months, $500 minimum) earn the same rates as the matching term. Rates are reviewed at least monthly. Early withdrawal penalties are days of dividends on the amount withdrawn. Learn more about certificates.

IRA Accounts

IRA share accounts and IRA certificates are available for Traditional, Roth and Education IRAs and earn the rates shown above. The IRA wrapper affects tax treatment, not the dividend rate. Learn more about IRAs.

Schedule of Fees

Effective June 1, 2024

Checking and Account Fees

FeeAmount

Overdraft (PayAssure) Fee$0

NSF / Returned Item Fee$0

Overdraft Transfer Fee (per item)$0

Monthly Maintenance, Dividend Checking$4 ($0 with a $500 minimum monthly balance)

Freedom CheckingNo charge

Stop Payment Order on Check$12

Draft Collection$20

Printed ChecksPer current price list

Check Copy (first two per month free)$2

Duplicate Statement (per statement, over 3 months)$2

Account Reconcilement (per hour)$25

Failure to Furnish Appropriate TIN$50

Account Inactivity (after 1 year)$2 per month

Escheat Notification$2

Electronic Services

FeeAmount

Online Banking and Bill PayNo charge

ATM EnrollmentNo charge

ATM Deposit Correction$0

ACH Stop Payment$12

Replacement Visa Debit or ATM Card$10 (express rush $45)

Bill Payment Stop Payment$25

Bill Payment NSF$0

Popmoney / External Transfer Express Delivery$3.50

Popmoney / External Transfer Stop Payment$25

Outgoing Wire, Domestic$20

Outgoing Wire, International$35

Over the Counter

FeeAmount

Third-Party Check Handling$5 or 2%, whichever is greater

Check Cashing$5 or 2%, whichever is greater

On-Us Non-Member Check Cashing$10 or 2%, whichever is greater

Money Orders$2

Official Checks (one free per day)$1

Declaration of Loss and Claim for Reimbursement$12

Verification of Deposit / Credit History$10

Records Research / Labor (per hour)$25

Reproduction (per page)$0.25

Compliance with Legal Order (minimum)$25

Notary, first signature$7

Notary, each additional signature$5

Tax Levy Processing$20

Loan Services

FeeAmount

Visa Balance Transfer2% (minimum $2, maximum $10)

Visa Cash Advance$2 or 2%, not to exceed $10

Visa Late Payment$25

Visa Stop Payment$25

Replacement Visa Credit Card$25 (express rush $45)

Real Estate Demand for Payoff (per demand)$75

Real Estate Subordination$150

Vehicle Loan Refinance (existing Vida loan)$75

Loan Extension$35

Payment Convenience Fee$15

The full schedule of fees and charges is available in branch. Call (909) 983-1959 with questions.

Rate Accuracy

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.

Ready to Apply?