The VacationLand Federal Credit Union All Credit Levels is a cdfi lender from VacationLand Federal Credit Union. The annual fee is $0. The ongoing APR is 5.75% after a 5.75% introductory rate for 12 months. Rewards: Earn $25 for each new referral.. This product reports activity to your personal credit report. VacationLand Federal Credit Union (VLFCU) is a not-for-profit financial institution located in Sandusky, Ohio, serving members in north central Ohio. VLFCU offers a range of banking solutions, including personal and business loans, checking and savings accounts, and financial literacy resources. Services include: personal loans, business loans, mortgages, auto loans. US Treasury certified CDFI Credit Union in Sandusky, OH. Membership required.