Current Rates
|
AUTOMOBILE OR TRUCK |
||
|
|
TERM |
APR* AS LOW AS |
|
New Automobile or Truck 2022 & 2023
<20,000 Miles |
up to 36 Months |
3.74% |
|
37 – 48 Months |
3.99% |
|
|
49 – 60 Months |
4.24% |
|
|
61 – 72 Months ($25,000 and up) |
4.49% |
|
|
73 – 84 Months ($25,000 and
up) |
4.74% |
|
|
Used Automobile or Truck Rate will vary based on model year and mileage |
up to 36 Months |
4.24% |
|
37 – 48 Months |
4.49% |
|
|
49 – 60 Months |
4.74% |
|
|
61 – 72 Months ($25,000 and up) |
4.99% |
|
|
73 – 84 Months ($25,000 and up) |
5.24% |
|
|
MOTORCYLCE |
||
|
|
TERM |
APR* AS LOW AS |
|
New Motorcycle 2022 & 2023 <5,000
Miles |
up to 36 Months |
4.49% |
|
37 – 48 Months |
4.99% |
|
|
49 – 60 Months |
5.74% |
|
|
Used Motorcycle Rate will vary based on model year and mileage |
up to 36 Months |
4.99% |
|
37 – 48 Months |
5.49% |
|
|
49 – 60 Months |
6.24% |
|
|
PERSONAL LOAN |
||
|
|
TERM |
APR* AS LOW AS |
|
Signature Loan |
up to 12 Months |
10.25% |
|
13 – 24 Months |
10.50% |
|
|
25 – 36 Months |
10.75% |
|
|
37 – 48 Months |
11.00% |
|
|
49 – 60 Months |
11.25% |
|
|
Share Secured Loan Loan is secured by funds on deposit |
up to 180 Months |
2.00% over deposit rate |
|
RV / Boat / 5th Wheel |
||
|
|
TERM |
APR* AS LOW AS |
|
New 2022 & 2023
<20,000 Miles |
up to 36 Months |
5.99% |
|
37 – 48 Months |
6.23% |
|
|
49 – 60 Months |
6.49% |
|
|
61 – 72 Months ($25,000 and up) |
6.53% |
|
|
73 – 84 Months ($25,000 and
up) |
6.83% |
|
|
Used Rate will vary based on model year and mileage |
up to 36 Months |
6.49% |
|
37 – 48 Months |
6.73% |
|
|
49 – 60 Months |
6.99% |
|
|
61 – 72 Months ($25,000 and up) |
7.03% |
|
|
73 – 84 Months ($25,000 and up) |
7.33% |
|
|
ATV / JET SKI / TRAILERS |
||
|
|
TERM |
APR* AS LOW AS |
|
New 2022 & 2023 <5,000
Miles |
up to 36 Months |
4.49% |
|
37 – 48 Months |
4.99% |
|
|
49 – 60 Months |
5.74% |
|
|
Used Rate will vary based on model year and mileage |
up to 36 Months |
4.99% |
|
37 – 48 Months |
5.49% |
|
|
49 – 60 Months |
6.24% |
|
Other terms and conditions apply, and rates and terms may vary based on the credit score of borrower(s), LTV and other factors.
*APR = Annual Percentage Rate. WCCFCU does not finance salvage, rebuilt, or dealer buy-back titles. Our loan rates and terms are based on a combination of the applicant's credit score (or creditworthiness). Other rates may apply depending on qualifications, including age and mileage of vehicle. Rates are subject to change without notice. All rates advertised are our best qualifying rates.
Other terms and conditions apply, and rates and terms may vary based on the credit score of borrower(s), LTV and other factors. APR = Annual Percentage Rate. WCCFCU does not finance "salvage" titles. Our loan rates and terms are based on a combination of the applicant's credit score (or creditworthiness). Other rates may apply depending on qualifications, including age and mileage of vehicle. Rates are subject to change without notice. All rates advertised are our best qualifying rates.
Please inquire with a lending officer for more information regarding personal loans or other loans not listed here. For Smithville, call 330-669-2117. For Orrville lenders, call 330-682-2117, or email us at.
Current Share Rates
In some cases, members using multiple financial services with WCCFCU may be eligible for a higher APR* and APY** than shown here. Inquire with your WCCFCU Member Service representative for more information on how you may be eligible for the Reward Rates.
-
Share Savings Account Rates
Minimum APR* APY** $25.00 and Up 0.05% 0.05%
-
Money Market Accounts
Tier APR* APY** $2,000 to $9,999.99 Balance 0.10% 0.10% $10,000 to $24,999.99 Balance 0.10% 0.10% $25,000 to $49,999.99 Balance 0.15% 0.15% $50,000 to $99,999.99 Balance 0.15% 0.15% $100,000 Balance and Higher 0.25% 0.25%
Money Market Accounts earn dividends which are calculated by the daily balance method; this applies a daily periodic rate to the balance in the account each day. Dividends are paid to the account at each month end. No minimum balance is required; however, a balance of $2,000 or more is required for any dividends to be paid for that day. The dividend rate paid will vary and may change without notice. *APR = Annual Percentage Rate, and **APY = Annual Percentage Yield.
-
Certificates
Higher interest rates on Certificates are available for accounts with certain relationships. Please ask a credit union representative for further details.Term APR* APY** 6 Month - $500 Minimum Balance 0.20% 0.20% 12 Month - $1,000 Minimum Balance 0.30% 0.30% 24 Month - $1,000 Minimum Balance 0.40% 0.40% 36 Month - $1,000 Minimum Balance 0.45% 0.45% 48 Month - $1,000 Minimum Balance 0.55% 0.55% 60 Month - $1,000 Minimum Balance 0.60% 0.60%
Substantial penalty for early withdrawal on Certificates.
*APR = Annual Percentage Rate, and **APY = Annual Percentage Yield. Rates may change without notice.
