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Rates

Loans

WCU strives to maintain its website with the most current rate information available, however WCU makes no guarantees and assumes no liability for any typographical errors contained herein or for information that may not be the most current. All rates listed on these pages are subject to change daily, without prior notice. Please contact our offices for the most current rate information.

New Auto Loans

Type	Rate (as low as)	APR	Term	Maximum LTV	Model Years
New Auto Loans	2.46%	2.95%	up to 24 months	115% NADA Retail	2012/2011
	2.99%	3.20%	25 to 60 Months	115% NADA Retail	2012/2011
	3.79%	3.96%	61 to 72 Months	115% NADA Retail	2012/2011
	3.99%	4.16%	73 to 75 Months	115% NADA Retail	2012/2011
APR is based on a loan amount of $10,000.00 plus a $50.00 origination fee. The "as low as" rate provided above is based on credit score. The actual rate offered will vary based on the applicant's credit score. A rate discount of .25% is available for automatic payments. Additional discounts of up to 1% available for Hybrid Vehioles. Loan limits and other restrictions may apply. Contact us for details. Return to top

Used Auto Loans

Type	Rate (as low as)	APR	Term	Maximum LTV	Model Years
Used Auto Loans	2.99%	3.20%	Up to 60 Months	115% NADA Retail	2010-2012
	3.79%	3.98%	61 to 66 Months	115% NADA Retail	2010-2012
	3.29%	3.50%	up to 60 Months	115% NADA Retail	2008-2009
	4.09%	4.28%	61 to 66 Months	115% NADA Retail	2008-2009
	3.99%	4.25%	Up to 48 Months	115% NADA Retail	2005-2007
	4.79%	5.02%	49 to 54 Months	115% NADA Retail	2005-2007
	4.99%	4.33%	Up to 36 Months	115% NADA Retail	2002-2004
	5.79%	6.08%	37 to 42 Months	115% NADA Retail	2002-2004
APR is based on a loan amount of $10,000.00 plus a $50.00 origination fee. The "as low as" rate provided above is based on credit score. The actual rate offered will vary based on the applicant's credit score. A rate discount of .25% is available for automatic payments. Loan limits and other restrictions may apply. Contact us for details. Return to top

New Recreational Vehicles

Recreational vehicle loans include motorhomes,campers, boats, motorcycles, atv's, snowmobiles, jetskis, etc.

Type	Rate (as low as)	APR	Term	Maximum LTV	Model Years
New Recreational Vehicle Loans	6.99%	7.18%	72 Months	90%	2012/2011
	5.99%	6.21%	up to 60 Months	90%	2012/2011
APR is based on a loan amount of $10,000.00 plus a $50.00 origination fee. The "as low as" rate provided above is based on credit score. The actual rate offered will vary based on the applicant's credit score. A rate discount of .25% is available for automatic payments. Loan limits and other restrictions may apply. Longer terms may be available. Contact us for details. Return to top

Used Recreational Vehicles

Type	Rate (as low as)	APR	Term	Maximum LTV	Model Years
Used Recreational Vehicle Loans	5.99%	6.21%	60 Months	90%	2011-2012
	6.99%	7.21%	60 months	90%	2008-2010
	7.99%	8.26%	up to 48 Months	90%	2005-2007
	8.99%	9.35%	up to 36 Months	90%	2002-2004
APR is based on a loan amount of $10,000.00 plus a $50.00 origination fee. The "as low as" rate provided above is based on credit score. The actual rate offered will vary based on the applicant's credit score. A rate discount of .25% is available for automatic payments. Loan limits and other restrictions may apply. Longer terms may be available. Contact us for details. Return to top

Mortgages

Type	Rate (as low as)	APR	Caps	Points	Term	Maximum LTV
15 Year Fixed Rate Mortgage	4.00%	5.10%		up to 2	15 years	95%
20 Year Fixed Rate Mortgage	4.5%	5.38%		up to 2	20 Years	95%
1 Year ARM	4.5%	5.38%	2/6	0	30 Years	95%
3 Year ARM	5.00%	5.47%	2/6	0	30 Years	95%
5/1 Year ARM	5.00%	5.47%	2/6	0	30 Years	95%
Mortgage rates are subject to change daily without notice. Please contact us for current rates, additional terms and programs that may be available. Return to top

Home Equity Loans

Type	Rate (as low as)	APR	Points	Maximum Term	Maximum LTV
Home Equity Fixed Rate	4.47%	4.47%	0	15 Years	80%
Home Equity Variable Rate	Prime + 1%	4.25%	0	20 Years	80%
Home Equity Line of Credit (HELOC)	Prime	3.25%	0	15 Years	80%
Home equity loan rates are subject to change daily without notice. Please contact us for current rates, additional terms and programs that may be available. Return to top

Credit Cards

Type	Rate (as low as)	APR	Amount
Visa Platinum Credit Card	9.90%	9.90%	up to $20,000
MasterCard Classic	13.75%	13.75%	up to $10,000
The actual product offered is based on the applicant's credit score. Return to top

Personal Loans - Unsecured

Type	Rate (as low as)	APR	Amount	Maximum Term
Unsecured Personal Loan	10.99%	11.22%	up to $10,000	Up to 60 months
APR is based on a loan amount of $10,000.00 plus a $50.00 origination fee. The "as low as" rate provided above is based on credit score. The actual rate offered will vary based on the applicant's credit score. A rate discount of .25% is available for automatic payments. Loan limits and other restrictions may apply. Contact us for details. Return to top

Home Improvement Loans

Type	Rate (as low as)	APR	Amount	Maximum Term
Home Improvement Loans	10.99%	11.22%	up to $10,000	up to 60 Months
APR is based on a loan amount of $10,000.00 plus a $50.00 origination fee. The "as low as" rate provided above is based on credit score. The actual rate offered will vary based on the applicant's credit score. A rate discount of .25% is available for automatic payments. Additional discounts of up to 1% available for Green Loans (may require verification of work). Loan limits and other restrictions may apply. Contact us for details. Return to top

Computer Loans

Type	Rate (as low as)	APR	Amount	Maximum Term
Computer Loans	2.96%	4.84%	up to $5,000	up to 36 Months
APR is based on a loan amount of $5,000.00 plus a $50.00 origination fee. The "as low as" rate provided above is based on credit score. The actual rate offered will vary based on the applicant's credit score. A rate discount of .25% is available for automatic payments. Purchase invoice or receipt required. Checks made payable to place of purchase. Loan limits and other restrictions may apply. Contact us for details. Return to top

Home Heating Loans

Type	Rate (as low as)	APR	Amount	Maximum Term
Home Heating Loans	2.00%	3.88%	up to $5,000	up to 12 Months
APR is based on a loan amount of $5,000.00 plus a $50.00 origination fee. The "as low as" rate provided above is based on credit score. The actual rate offered will vary based on the applicant's credit score. A rate discount of .25% is available for automatic payments. One loan allowed per member. Proceeds payable directly to fuel provider. No refinancing options - new application is required. Loan limits and other restrictions may apply. Contact us for details. Return to top

Tractor Loans

Type	Rate (as low as)	APR	Term	Maximum Term	Maximum LTV
Tractor Loans	6.49%	7.00%	24	84 Months	90%
APR is based on a loan amount of $10,000.00 plus a $50.00 origination fee. The "as low as" rate provided above is based on credit score. The actual rate offered will vary based on the applicant's credit score. A rate discount of .25% is available for automatic payments. Loan limits and other restrictions may apply. Contact us for details. Return to top

Other Loans

Type	Rate (as low as)	Amount	Maximum Term
Overdraft Protection Loans	15.00%	$500 & $1,000 Lines	N/A
Savings & CD Secured Loans	3% above Deposit Account Rate	up to the available deposit account balance	120 Months
Return to top

Deposit Rates

WCU strives to maintain its website with the most current rate information available, however WCU makes no guarantees and assumes no liability for any typographical errors contained herein or for information that may not be the most current. Please contact our offices for the most current rate information.

Checking Accounts

Account Type	Rate	APY	Minimum Balance to Earn APY	Minimum Opening Deposit
Checking Plus	.05%	.05%	$500.00	$500.00
Return to top

Savings and Clubs

Account Type	Rate	APY	Minimum Balance to Earn APY	Minimum Opening Deposit
Savings Accounts	.10%	.10%	$100.00	$25.00
C.A.S.H. Accounts	.15%	.15%	$100.00	$100.00
Club Accounts	.10%	.10%	$100.00	$0
IRA Savings Account	.50%	.50%	$100.00	$0.00
Interest accrues daily based on the minimum balance requirements listed for each account type. Interest is paid and compounded monthly. Return to top

Youth Savings Accounts

Type	Rate	APY	Minimum Balance to Earn APY	Minimum Opening Deposit	Balance Tier
Youth Savings Tier 1	.50%	.50%	$25.00	$0.00	$25-$2500
Youth Savings Tier 2	.15%	.15%	$2501.00		$2501+
Interest accrues daily based on the minimum balance requirements listed for each account type. Interest is paid and compounded monthly Return to top

Money Market Accounts

Type	Rate	APY	Minimum Balance to Earn APY	Minimum Opening Deposit	Balance Tier
Money Market Tier 1	.10%	.10%	$2500.00	$2500.00	$2500-$9999.99
Money Market Tier 2	.15%	.15%	$10,000.00		$10,000 - $24,999.99
Money Market Tier 3	.25%	.25%	$25,000.00		$25,000 +
Interest accrues daily based on the minimum balance requirements listed for each account type. Interest is paid and compounded monthly Return to top

Certificates of Deposit & IRAs

Term	Rate	APY	Minimum Balance to Earn APY	Minimum Opening Deposit
6 Month CD	.25%	.25%	$500.00	$500.00
12 Month CD	.35%	.35%	$500.00	$500.00
18 Month CD	.50%	.50%	$500.00	$500.00
24 Month CD	.60%	.60%	$500.00	$500.00
36 Month CD	.80%	.80%	$500.00	$500.00
48 Month CD	1.00%	1.00%	$500.00	$500.00
60 Month CD	1.49%	1.50%	$500.00	$500.00
* APY = Annual Percentage Yield. Interest is accrued daily based on the account balance. The APY listed is calculated based on monthly componding. A penalty may be charged for early withdrawal. Rates, terms and disclosures also apply to IRA Certificates. Return to top

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WOODLANDS CREDIT UNION · 800-313-9630 · info@woodlandscu.com

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