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¹Member One, a division of Virginia Credit Union is offering a $1,000 discount on closing costs on new mortgage loans for first-time homebuyers subject to qualification and credit approval. This promotion is valid on new applications submitted between 9/1/2025 and 2/28/2026. The closing cost reduction will be limited to the lesser of $1,000 or lender closing costs and may not exceed maximum seller contribution limits set by program guidelines. Mortgage loan must close by 5/31/2026. This is not available for USDA or construction loan products. This offer can be used in conjunction with the Welcome Home Discount. It cannot be combined with any other promotion or discount and is subject to compliance with Virginia Credit Union’s loan program guidelines. An individual is to be considered a first-time homebuyer who (1) is purchasing the security property; (2) will reside in the security property as a principal residence; and (3) had no ownership interest (sole or joint) in a residential property during the three-year period preceding the date of the purchase of the security property. In addition, an individual who is a displaced homemaker or single parent also will be considered a first-time homebuyer if he or she had no ownership interest in a principal residence (other than a joint ownership interest with a spouse) during the preceding three-year time period. Loans subject to credit and collateral requirements. Not all applicants will qualify. Membership eligibility required. Federally insured by NCUA.

²Member One members who refinance an auto loan from a non-Member One or non-Virginia Credit Union lender will receive a .50% discount on the qualified refinance rate. Existing Member One and VACU loans are not eligible. Regardless of available discounts, 4.99% is the minimum APR offered. Minimum and maximum loan amounts apply. Rates and terms may vary based on credit worthiness and age of vehicle. Loans subject to credit and collateral requirements. Loans subject to credit and collateral requirements. Not all applicants will qualify. Offer expires December 31, 2025. Membership eligibility required. Federally insured by NCUA.

³APR means Annual Percentage Rate. Approximate loan payment and loan amount is $615.58on a $35,000 new auto loan with a 66-month term at 5.49%. Rates and terms may vary based on credit worthiness and age of vehicle. Not all applicants will qualify for the lowest rate. Effective October 24, 2025.

⁴APR means Annual Percentage Rate. The rate and term may vary depending on each individual’s credit history and underwriting factors. Not all applicants will qualify for the lowest rate. Other restrictions may apply. Credit card foreign transaction fees: 1.00% of each transaction in U.S. dollars.

⁵Rate effective as of 10/08/2025. Your APR will be determined based on our internal credit criteria. Listed APRs are based on a loan to value of 70% or less, assume an excellent credit rating, and for Equity Loan include a .50% discount for repaying by an automated payment method approved by us. Property insurance required. If account is closed or paid off within 36 months of opening it, you will pay a reimbursement fee equal to the amount of closing costs originally paid by VACU. Minimum and maximum loan or credit limits apply. Please contact us for specific term options and rates. Maximum APR is 18%.