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.
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
