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Rates & Fees

WCCU Loan Rates & Fees

Rates Effective November 1, 2018

SECURED LOANS
Loan Term Annual Percentage Rate*
Auto, Truck, Motorcycle
2019-2018 up to 72 months 3.75%*APR
2017-2015 up to 72 months 3.75%*APR
2014-2012 up to 48 months 4.00%
2011-2009 up to 36 months 4.00%
2008 & older up to 36 months 5.00%
Boats/RVs
2019-2018 up to 60 months 4.00%
2017-2015 up to 60 months 4.00%
2014-2012 up to 48 months 4.50%
2011-2009 up to 36 months 4.50%
2008 & older up to 36 months 5.50%
Other Collateral (Snowmobiles, Tractors, Trailers, etc.)
2019-2018 up to 36 months 4.00%
2017-2015 up to 36 months 4.00%
2014-2012 up to 36 months 4.75%
2011-2009 up to 36 months 5.00%
2008 & older up to 36 months 6.00%
Home Equity Loans (traditional)
up to 84 months 4.50%
up to 120 months 4.75%
up to 180 months 5.00%
Home Equity Loans (manufactured)
up to 84 months 6.00%
up to 120 months 6.25%
up to 180 months 6.75%
Home Equity Line of Credit 180 months P+.25
Share-Secured Loan up to 48 months 5.00%
Share-Secured VISA Revolving 5.00%
UNSECURED LOANS
Signature Loans
$500-$5000 up to 12 months 7.50%
$5000.01-$10,000.00 up to 24 months 8.50%
$10,000.01-$20,000.00 up to 36 months 10.00%
$20,000.01-$30,000.00 up to 36 months 11.50%
VISA Revolving 7.50%
Line of Credit Revolving 7.50%
Home Improvement up to 60 months 8.00%

*Insurance products sold through or in the credit union are not insured by the National Credit Union Administration and are not issued, guaranteed, or underwritten by the credit union or the NCUA or any other federal government agency.

*All loan rates are based upon Credit Score. All quoted rates are “As Low As”.  All loan rates are effective 11/1/18.

Certificate of Deposit Rates

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CD Rates* Annual Percentage Yield
     6 months .50% APY
     9 months .75% APY
     12 months 1.00% APY
     24 months 1.25% APY
     36 months 1.50% APY
IRA Rates
     Share IRA .75% APY

*Rates are effective 7/1/2017.

CD Details

*The dividend rate and annual percentage yield (APY) on these variable rate accounts may change every quarter as determined by our Board of Directors.

The minimum deposit required to open a CD is $500. 

Wexford Community Credit Union membership is required in order to purchase a Share Certificate of Deposit, which means you will have an established Regular Share Account.

The National Credit Union Administration, a U.S. Government agency, federally insures savings up to $250,000.00.

Fee Disclosure Statement

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Click on the link below to review all fees. Fees may apply to your account, as well as charges for additional services. Thank you for your membership!

Download the Fee Disclosure Statement:

WCCU Mortgage Rates

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Whether you are seeking funds from the equity of your home or are thinking about starting a building project from scratch, we have a mortgage loan option to suit your needs. Check the current mortgage rates:

Join Today

Visit a WCCU branch, no appointment needed, and meet with a dedicated Member Services Representative who will be happy to share all the great benefits of membership and will help you get started today.