Score Your Goals

Set the goal. Make the play Score the reward.

 
This quarter, your goals take center field. Whether you’re building savings, financing your next vehicle, or using your home’s equity to make a big move, VA Desert Pacific FCU is here to help you move forward with purpose—and get rewarded along the way. 

 



Protected Savings

Earn rewards as you save

Milestone bonuses +
2.00% bonus APY

Built for members who want structure, progress, and rewards while working toward a savings goal.

  • Cash bonuses at 25%, 50%, 75%, and 100%
  • Up to 3 active goals
  • $5 Quick Start Bonus on a new goal after completion

Learn more →

Score Every Milestone

Protected Savings helps you stay committed to your savings goal with built-in structure, milestone rewards, and celebration at every step. 

If you’ve ever wished saving felt more intentional, this is your game plan. Protected Savings is designed to help you stay focused on a goal by placing funds in a savings account without withdrawal access, helping reduce temptation while you build toward something meaningful.

And the best part? You can earn rewards along the way. Milestone rewards begin at 25% of your goal, bonus dividends begin once you reach 50% of goal dollars, and rewards post directly to the share to help move you closer to the finish line. When your goal is completed, funds transfer to your prime share and you can set your next one.

Complete a goal and open a new Protected Savings within 7 calendar days, and you can also receive a $5 Quick Start Bonus.

New Auto Loans

Drive Toward Your Goal 

Your next vehicle could do more than get you from point A to point B—it could help move your financial goals forward, too.

For a limited time, get:

  • $75 when you finance a new auto loan under $70,000
  • $150 when you finance $70,000 or more

And if you already have an active Protected Savings goal, you can double your incentive when you choose to place the bonus toward that active goal.

That means your next ride could help you score on two fronts: the vehicle you want and the goal you’re working toward.

Home Equity Line of Credit

Unlock Bigger Home Goals

Some goals need a bigger game plan. Whether you’re planning home improvements, consolidating debt, or creating room for what’s next, a Home Equity Line of Credit can help you put your home’s value to work.

For a limited time, new HELOCs with a draw over $25,000 can take advantage of a 3.99% introductory promo rate through January 31, 2027.

If your next goal is bigger, your financing strategy should be, too.


Membership is required and accounts must be in good standing. See full terms below for details and any exclusions. 












 

 

 

Terms & Disclosures

 

PROTECTED SAVINGS

Protected Savings terms, milestone rewards, bonus dividends, Quick Start Bonus eligibility, inactivity closure rules, and account requirements apply. Funds in Protected Savings are not available for withdrawal access. Inactive shares may close after 90 days without activity, at which time funds may transfer to the member’s prime share. Bonus dividend begins at 50% of goal dollars for each share/goal and continues until goal completion, deadline, or 6 months, whichever comes first. See credit union for full details.

 

AUTO LOAN

Offer valid on qualifying new auto loans to the Credit Union that are 2025 or newer with fewer than 5,000 miles. Incentive amount is $75 for financed amounts under $70,000 and $150 for financed amounts of $70,000 or more. To qualify for the doubled incentive, member must have an active Protected Savings goal and elect to place the bonus toward that active goal. Membership, eligibility, credit approval, and other restrictions may apply. See credit union for full details.

 

HELOC

All applications are subject to credit approval, and not all applicants will qualify. Full income and asset documentation is required. Loans are secured by a lien on your property. Interest rates, points, and APRs may vary by product and state and may be adjusted based on credit history, loan-to-value (LTV), occupancy, property type, loan amount, and loan purpose.
 
Offer applies to applications submitted on or after April 1, 2026. All loans must close by June 30, 2026. Minimum loan amount is $50,000 and must be new to VA Desert Pacific Federal Credit Union (VADPFCU).
 
The 3.99% introductory APR applies to HELOC products only and is fixed through January 31, 2027. After the introductory period, the rate will vary based on the Wall Street Journal Prime Rate plus a margin of 0.00% to 5.00%.
 
Closing credits apply to fixed Home Equity Loan products and are based on final loan amount: $100 credit for loans $50,000–$249,999 and $250 credit for loans $250,000 and over. Credit will be provided as a deposit to your account or a gift card at closing and may be reportable to the IRS.
Promotion must be mentioned at the time of application to be eligible. Membership with VADPFCU is required. Other restrictions may apply, and terms are subject to change without notice.
 
VADPFCU NMLS #653601 | Amber Hill NMLS #981376

 

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