--- title: "Valley Isle Community Credit Union Rates (Nov 2026): CDs to 0.01%" description: "Valley Isle Community Credit Union rates today: savings & CDs up to 0.01% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Valley Isle Community Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/hawaii/valley-isle-community" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Valley Isle Community Credit Union Rates (Nov 2026): CDs to 0.01% ### Auto & vehicle rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Old_auto_rates Table (48 Mos)** auto_any_48mo | — APR | 4.750% | 48 mo | Standard | | **New Auto Loan** auto_new | — APR | 4.750% | new | Standard | | **Old_auto_rates Table (36 Mos)** auto_any_36mo | — APR | 4.750% | 36 mo | Standard | | **New_auto_rates Table (60 Mos)** auto_any_60mo | — APR | 5.000% | 60 mo | Standard | | **Old_auto_rates Table (72 Mos)** auto_any_72mo | — APR | 6.000% | 72 mo | Standard | | **New_auto_rates Table (84 Mos)** auto_any_84mo | — APR | 7.000% | 84 mo | Standard | Valley Isle Community Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 7 offers | Product | Published | Rate | Term / condition | Status | | **Personal Loan** personal | — APR | 7.250% | — | Standard | | **Personal_loan_rates Table (24 Mos)** other | — APR | 7.250% | — | Standard | | **Personal_loan_rates Table (12 Mos)** other | — APR | 7.250% | — | Standard | | **Personal_loan_rates Table (36 Mos)** other | — APR | 7.500% | — | Standard | | **Personal_loan_rates Table (48 Mos)** other | — APR | 7.750% | — | Standard | | **Personal_loan_rates Table (60 Mos)** other | — APR | 8.000% | — | Standard | | **Personal_loan_rates Table (72 Mos)** other | — APR | 9.000% | — | Standard | Valley Isle Community Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Platinum Credit Card** credit_card_platinum | — APR | 9.990% | — | Standard | Valley Isle Community Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 12 offers | Product | Published | Rate | Term / condition | Status | | **Checking - Share Draft** checking | — APY | 0.01% | — | Standard | | **Savings** savings | 0.01% APY | 0.01% | — | Standard | | **Savings** share_savings | — APY | 0.05% | — | Standard | | **Christmas Savings** savings | — APY | 0.05% | — | Specialty offer | | **18-Month Certificate** cd_18mo | — APY | 2.72% | 18 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 2.96% | 60 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 2.96% | 24 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.20% | 12 mo | Standard | | **Ko Rewards Checking**** checking | — APY | 3.50% | — | Standard | | **6-Month Certificate** cd_6mo | — APY | 3.93% | 6 mo | Standard | | **Certificate** cd | — APY | 3.93% | — | Standard | | **Ko Rewards Savings** savings | — APY | 5.00% | — | Standard | Valley Isle Community Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 0.01% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/hawaii/valley-isle-community) , verified from [Valley Isle Community Credit Union's official website](https://www.vicfcu.org/home/home) Loading branch locator… ## About Valley Isle Community Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 12.9K Assets $173.1M Founded 1940 Locations reported 3 NCUA charter 3574 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial education - Bilingual services Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Hawaiian Financial** Maui · Kahului · HI · 96732-3508 About 0.2 miles away](https://rateapi.dev/credit-unions/hawaii/hawaiian-financial) [**Aloha Pacific** Kahului Branch · Kahului · HI · 96732-3555 About 0.3 miles away](https://rateapi.dev/credit-unions/hawaii/aloha-pacific) [**Maui** HO'OKELE PARTNER STATION · Kahului · HI · 96732 About 0.3 miles away](https://rateapi.dev/credit-unions/hawaii/maui) [**Hawaii State** Kahului Branch · Kahului · HI · 96732-3553 About 0.3 miles away](https://rateapi.dev/credit-unions/hawaii/hawaii-state) [**Maui County** Branch Office - MMP · Kahului · HI · 96732-2986 About 0.5 miles away](https://rateapi.dev/credit-unions/hawaii/maui-county) [**Kahului** Kahului FCU · Kahului · HI · 96732-2240 About 0.9 miles away](https://rateapi.dev/credit-unions/hawaii/kahului) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Valley Isle Community Credit Union Membership eligibility from Valley Isle Community Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Valley Isle Community Credit Union's website. Check the membership page below to confirm whether you qualify. - Location maui — HI Verified from [Valley Isle Community Credit Union's membership page](https://www.vicfcu.org/home/home) . Final membership determination is always made by the credit union. ## Membership rules for Valley Isle Community Credit Union Geography 1 county 2 published paths to membership, last verified August 27, 2026, quoted from Valley Isle Community Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Maui County, HI “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Maui County, HI” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Valley Isle Community Credit Union? Yes No ## Work at Valley Isle Community Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Valley Isle Community Credit Union ranks against Hawaii peers. - See which AI assistants fetched Valley Isle Community Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Hawaii - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=valley-isle-community&state=hawaii&code=HI&name=Valley%20Isle%20Community%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Valley Isle Community Credit Union offer? Valley Isle Community Credit Union currently offers Auto loan, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Valley Isle Community Credit Union rates updated? RateAPI verifies Valley Isle Community Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Valley Isle Community Credit Union's rate data? Rate data is collected directly from Valley Isle Community Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Valley Isle Community Credit Union's best CD rate? As of November 12, 2026, Valley Isle Community Credit Union offers savings and certificate (CD) yields up to 0.01% APY. ### Who can join Valley Isle Community Credit Union? Valley Isle Community Credit Union publishes its membership criteria on its own website. RateAPI tracks 2 published membership paths covering 1 county for Valley Isle Community Credit Union, each quoted from Valley Isle Community Credit Union's own published membership criteria. ## Related Rate Data Compare Valley Isle Community Credit Union's rates against national credit-union benchmarks. [More Hawaii credit unions](https://rateapi.dev/credit-unions/hawaii) [Hawaii auto loan rate leaders](https://rateapi.dev/auto-loan-rates/hawaii) [Hawaii personal loan leaders](https://rateapi.dev/personal-loan-rates/hawaii) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.vicfcu.org/home/home) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Valley Isle Community Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Hawaii credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Valley Isle Community Credit Union curl "https://api.rateapi.dev/credit-unions/hawaii /valley-isle-community " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Valley Isle Community Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/hawaii/valley-isle-community Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp