Rates
Personal Checking Rates
Effective 12/1/2024
| Account | Dividend Rate | Required Daily Balance to Earn Dividends | APY* | Dividends Paid |
|---|---|---|---|---|
| Awards Checking (Up to $20,000) | 3.00% | $.01-$20,000 | 3.00% | Monthly |
| Awards Checking Balances $20,001+ | .25% | $20,001+ | .25% | Monthly |
Business Checking Rates
Effective 12/1/2024
| Account | Dividend Rate | Required Daily Balance | APY* | Earnings Credit APY | Dividends Paid |
|---|---|---|---|---|---|
| Business Premium Checking | 0.05% | $1,000 | 0.05% | 0.20% | Monthly |
| Business Elite Checking | 0.10% | $5,000 | 0.10% | 0.60% | Monthly |
Savings Account Rates
Effective 12/1/2024
| Accounts | Dividend Rate | Required Daily Balance to Earn Dividends | *APY | Dividends Paid |
|---|---|---|---|---|
| Member Savings | .20% | $50 | .20% | Quarterly |
| Buck’s Savings Club | .20% | $50 | .20% | Quarterly |
| Saver’s Sweepstakes | .25% | $25 | .25% | Quarterly |
| Christmas Club | .25% | $50 | .25% | Quarterly |
| Health Savings ($50 – $4,999.99) | .20% | $50 | .20% | Monthly |
| Health Savings ($5,000 – $14,999.99) | .30% | $5,000 | .30% | Monthly |
| Health Savings ($15,000 – $24,999.99) | .60% | $15,000 | .60% | Monthly |
| Health Savings ($25,000 or more) | .75% | $25,000 | .75% | Monthly |
| Money Management ($2,500+) | 1.24% | $2,500 | 1.25% | Monthly |
| Money Management ($10,000+) | 1.29% | $10,000 | 1.30% | Monthly |
| Money Management ($25,000+) | 1.54% | $25,000 | 1.55% | Monthly |
| Money Management ($100,000+) | 2.03% | $100,000 | 2.05% | Monthly |
| Money Management ($250,000+) | 2.23% | $250,000 | 2.25% | Monthly |
| Money Management Plus ($500,000+) | 2.47% | $500,000 | 2.50% | Monthly |
| Money Management Plus ($750,000+) | 2.52% | $750,000 | 2.55% | Monthly |
| Money Management Plus ($1,000,000+) | 2.57% | $1,000,000 | 2.60% | Monthly |
| Traditional & Roth IRAs ($50 – $9,999.99) | .25% | $50 | .25% | Quarterly |
| Traditional & Roth IRAs ($10,000 or more) | 1.00% | $10,000 | 1.00% | Quarterly |
| Education IRA | .25% | $50 | .25% | Quarterly |
Certificate Rates
Effective 12/1/2024
Special 13-Month Certificate | Minimum $5,000 Deposit | 4.18% APR | 4.25% APY
Special 22-Month Certificate | Minimum $1,000 Deposit | 3.70% APR | 3.75% APY
| Share & IRA Certificates** (note: IRA Certificates require $1000 Minimum and 1 Year Minimum) | ||||
|---|---|---|---|---|
| Term | ($500 minimum) | ($10,000 minimum) | ||
| Dividend Rate | *APY | Dividend Rate | *APY | |
| 3-Month | 0.60% | 0.60% | 0.65% | 0.65% |
| 6-Month | 2.43% | 2.45% | 2.53% | 2.55% |
| 12-Month | 2.92% | 2.95% | 3.02% | 3.05% |
| 18-Month | 2.92% | 2.95% | 3.02% | 3.05% |
| 24-Month | 3.02% | 3.05% | 3.11% | 3.15% |
| 36-Month | 3.16% | 3.20% | 3.26% | 3.30% |
| 48-Month | 3.16% | 3.20% | 3.26% | 3.30% |
| 60-Month | 3.21% | 3.25% | 3.31% | 3.35% |
Credit Card Rates
Effective 11/1/2024
Click here for our credit card rates and disclosures and agreement.
Line of Credit
Effective 12/1/2024
| Account | APR* |
|---|---|
| Line of Credit | 10.24% |
*APR is an annual percentage rate. Rates are subject to change.
All loans are quoted as low as to include 0.25% discount for having an automatic payment and a WCCU checking.
Mortgage Rates
Effective 12/24/2024
These rates and programs are some of the loan products WCCU offers. Rates posted are indications only and are subject to change without notice. Your actual rate and loan terms vary by many factors, such as credit, down payment or equity, income type or loan amount.
The rates and terms displayed are based on a $150,000 loan amount for financing a single family, owner-occupied primary residence home meeting secondary market criteria. Loan level price adjustments may also apply.
Contact us directly for exact loan quotes, official estimates and fees. Must qualify for WCCU Membership to be eligible for a loan.
| Loan Program | Rate | Annual Percentage Rate (APR) | Loan Type | Principal & Interest (P&I) | Loan Amount |
|---|---|---|---|---|---|
| 30 Year Fixed Rate | 6.625% | 6.780% | Conventional* | $965.43 | $150,000 Loan |
| 20 Year Fixed Rate | 7.000% | 7.142% | Conventional* | $1,162.95 | $150,000 Loan |
| 15 Year Fixed Rate | 6.375% | 6.543% | Conventional* | $1,296.38 | $150,000 Loan |
| 30 Year Fixed Rate GRH | 6.250% | 6.804% | USDA Guaranteed Rural Housing** | $932.90 | $150,000 Loan Base $151,515 Total Loan |
*Please note the Conventional interest rates, APR, terms and payment are based on $150,000.00 loan; $187,500 purchase price with 20% down payment; no private mortgage insurance, 1-unit single family home. Payment displayed is principal and interest only and does not include property taxes and home insurance.
**The 30 Year Fixed GRH, USDA loan is based on a loan amount of $150,000 with the MIP Funding Fee of 1% financed; total loan of $151,515. Zero down payment example. $150,000 purchase price. A monthly MIP (mortgage insurance premium) of $44 is also required. Payment displayed is principal and interest only and does not include property taxes and home insurance. The actual interest rate available to you will be based on your credit history and may be different than the rates shown. The GRH loan has income and property geographic restrictions including collateral restrictions.
Your actual rate, costs and payment could be higher, get an official Loan Estimate before choosing a loan. Please contact WCCU for additional loan options and information. Membership eligibility required. Loans available to qualified members. Federally insured by NCUA. Equal Housing Lender.
NMLS #486034
Personal Signature Loan
Effective 12/1/2024
| Term | APR* | Monthly Payment**per $1,000 borrowed |
|---|---|---|
| 12 Months | 8.59% | $87.26 |
*APR is an annual percentage rate. Rates are subject to change.
All loans are quoted as low as to include 0.25% discount for having an automatic payment and a WCCU checking.
**The payment without established automatic payment and WCCU checking will be higher.
The actual loan amount, rate and term will be based on credit history. Monthly payments are based on term and payment.
Auto Rates
Effective 12/1/2024
| Type | Term | APR* | Monthly Payment per $1,000 borrowed |
|---|---|---|---|
| New Auto | 36 Months | 5.45% | $30.17 |
| Used Auto | 36 Months | 5.60% | $30.24 |
*APR is an annual percentage rate. Rates are subject to change.
All loans are quoted as low as to include 0.25% discount for having an automatic payment and a WCCU checking.
**The payment without established automatic payment and WCCU checking will be higher.
The actual loan amount, rate, and term will be determined based on credit history, the vehicle’s model year, mileage, and its value. Monthly payments are based on term and payment.
Recreational Vehicle Rates
Effective 12/1/2024
| Type | Term | APR* | Monthly Payment per $1,000 borrowed |
|---|---|---|---|
| New Recreational Vehicle | 36 Months | 5.75% | $30.31 |
| Used Recreational Vehicle | 36 Months | 5.90% | $30.38 |
*APR is an annual percentage rate. Rates are subject to change.
All loans are quoted as low as to include 0.25% discount for having an automatic payment and a WCCU checking.
**The payment without established automatic payment and WCCU checking will be higher.
The actual loan amount, rate and term will be based on credit history. Monthly payments are based on term and payment.