WCCU Rates & Fees

Rates Effective July 1, 2019

SECURED LOANS
LoanTermAnnual Percentage Rate*
Auto, Truck, Motorcycle
2020-2019up to 72 months3.75%*APR
2018-2016up to 72 months3.75%
2015-2013up to 48 months4.00%
2012-2010up to 36 months4.00%
2009 & olderup to 36 months5.00%
   
Boats/RVs
2020-2019up to 60 months4.00%
2018-2016up to 60 months4.00%
2015-2013up to 48 months4.50%
2012-2010up to 36 months4.50%
2009 & olderup to 36 months5.50%
   
Other Collateral (Snowmobiles, Tractors, Trailers, etc.)
2020-2019up to 36 months4.00%
2018-2016up to 36 months4.00%
2015-2013up to 36 months4.75%
2012-2010up to 36 months5.00%
2009 & olderup to 36 months6.00%
   
Home Equity Loans (traditional)
 up to 84 months4.50%
 up to 120 months4.75%
 up to 180 months5.00%
   
Home Equity Loans (manufactured)
 up to 84 months6.00%
 up to 120 months6.25%
 up to 180 months6.75%
Home Equity Line of Credit180 monthsP+.25
Share-Secured Loanup to 48 months5.00%
Share-Secured VISARevolving5.00%
   
UNSECURED LOANS
Signature Loans
$500-$20,000up to 12 months6.75%
 up to 24 months7.00%
 up to 36 months7.25%
$20,000.01-$30,000.00up to 36 months8.25%
   
VISARevolving7.50%
Line of CreditRevolving7.50%
Home Improvementup to 60 months8.00%
   

*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 7/1/19.

Certificate of Deposit Accounts

CD Rates*Annual Percentage Yield
     6 months.50% APY
     9 months.75% APY
     12 months1.00% APY
     24 months1.25% APY
     36 months1.50% 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

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

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:

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What do I need to Bring?

To Open you Wexford Community Credit Union Account you will need to bring the following:

  • Your Michigan Driver’s License or State of Michigan ID card (or any other government-issued photo-ID such as U.S. passport).
  • A second form of ID which bears your name, for example, Social Security Card, Insurance Card, School ID, Voters Registration, Work ID, etc. (Reminder: Please remember to bring children’s social security card and birth certificate with you when opening children’s accounts.)
  • Proof of physical address.
  • If provided forms of ID do not list physical address, or if it is a brand new address, we will need to see car registration, any official mail, something that is printed with the physical address. (A Secretary of State update sticker on your license is perfectly acceptable.)
  • If you work, worship or go to school in one of our eligible counties, we must have a letter from that organization, a paystub, or something to establish proof of the relationship.
  • A $5.00 minimum deposit establishes your Regular Share (Savings) Account. This Regular Share (Savings) Account is required for access to all other services provided by the Credit Union. The $5.00 minimum deposit must remain in the account as long as you are a member of, and wish to use services provided by, Wexford Community Credit Union.