Lending Rates

Contact a Loan Services Representative today to get the pre-approval process started!!

Auto Loans

Auto LoansBase 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 EquipmentBase APR*Discount APR**Terms
(in months)
New Recreational Equipment5.39%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 Equipment5.39%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 Vehicles5.39%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 Vehicles5.39%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 Motorcycle5.39%4.14%1-60
5.89%4.64%61-72
6.64%5.39%73-84
$25,000+

Home Equity Loans

Home Equity LoansAPR*
as low as 3.495%

Unsecured Loans

Unsecured LoansAPR*
Line of Creditas low as 11.65%
Signature Loanas low as 11.65%
Visa Credit Cardas low as 11.65%

Secured Loans

Secured LoansAPR*Terms up to
Share Secured Rates1.00%84 months
Certificate Secured RatesInterest 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.

Contact a Loan Services Representative today to get the pre-approval process started!!