Auto Loans
| Auto Loans | Base APR* | Discount APR** | Terms (in months) |
|---|---|---|---|
| New less than 1,000 miles | 4.24% | 2.99% | 1-36 |
| 4.74% | 3.49% | 37-60 | |
| 5.24% | 3.99% | 61-75 | |
| 5.99% | 4.74% | 76-84 $25,000+ |
|
| Pre-Owned Vehicle less than 3 years and more than 1,000 miles | 4.24% | 2.99% | 1-36 |
| 4.74% | 3.49% | 37-60 | |
| 5.24% | 3.99% | 61-75 | |
| 5.99% | 4.74% | 76-84 $25,000+ |
|
| Pre-Owned Vehicle 4-6 years old | 4.64% | 3.39% | 1-36 |
| 5.14% | 3.89% | 37-60 | |
| 5.64% | 4.39% | 61-75 | |
| 6.39% | 5.14% | 76-84 ($25,000+) |
|
| Pre-Owned Vehicle 7-25 years old | 5.19% | 3.94% | 1-36 |
| 5.69% | 4.44% | 37-60 | |
| 6.19% | 4.94% | 61-75 | |
| 6.49% | 5.24% | 76-84 $25,000+ |
|
| Classic Vehicle older than 25 years | 5.39% | 4.14% | 0-60 less than or equal to $25,000 |
| 6.39% | 5.14% | 61-84 $25,000+ |
Recreational Equipment
| Recreational Equipment | Base APR* | Discount APR** | Terms (in months) |
|---|---|---|---|
| New Recreational Equipment | 5.39% | 4.14% | 1-72 ($25,000 or less) |
| 5.89% | 4.64% | 73-84 $25,001-$50,000 |
|
| 6.64% | 5.39% | 85-120 $50,001+ |
|
| Used Recreational Equipment | 5.39% | 4.14% | 1-72 ($25,000 or less) |
| 5.89% | 4.64% | 61-84 ($25,001 – $50,000) |
|
| 6.64% | 5.39% | 85-120 $50,001+ |
|
| New MotorHomes & New Recreational Vehicles | 5.39% | 4.14% | 1-72 $25,000 or less |
| 5.89% | 4.64% | 73-84 ($25,001-$50,000) |
|
| 6.64% | 5.39% | 85-120 $50,001+ |
|
| Used MotorHomes and Used Recreational Vehicles | 5.39% | 4.14% | 1-72 ($25,000 or less) |
| 5.89% | 4.64% | 73-84 ($25,001-$50,000) |
|
| 6.64% | 5.39% | 85-120 $50,001+ |
|
| New and Used Motorcycle | 5.39% | 4.14% | 1-60 |
| 5.89% | 4.64% | 61-72 | |
| 6.64% | 5.39% | 73-84 $25,000+ |
Home Equity Loans
| Home Equity Loans | APR* |
|---|---|
| as low as 3.495% |
Unsecured Loans
| Unsecured Loans | APR* |
|---|---|
| Line of Credit | as low as 11.65% |
| Signature Loan | as low as 11.65% |
| Visa Credit Card | as low as 11.65% |
Secured Loans
| Secured Loans | APR* | Terms up to |
|---|---|---|
| Share Secured Rates | 1.00% | 84 months |
| Certificate Secured Rates | Interest Rate + 0.50% | Cert. Maturity Date |
All rates are effective September 25, 2019.
*Base APR = Base Annual Percentage Rate
**Discount APR = Discount Annual Percentage Rate Published APRs include a .25% base interest rate discount based upon establishing an automatic payment through a WCCU checking account. APRs also include a 1.00% base rate discount based on a loan-to-value of 80% or less. A base rate discount of .50% is given on a loan-to-value of 80.01%-90.00%. No rate discount given for loan-to-value of 90.01% or higher. Value of vehicle determined using NADA.
***Rates are subject to change on a weekly basis. Rates are effective as of twelve (12) noon on the 1st business day of each week.
Published loan rates based on approved credit, loan term and lien position (where applicable) and are subject to change. The maximum APR is 21.00% or the maximum rate allowed by law.