Rates

Personal Checking Rates

Effective 2/1/2024

AccountDividend RateRequired Daily Balance to Earn DividendsAPY*Dividends Paid
Awards Checking
(Up to $20,000)
3.00%$.01-$20,000 3.00% Monthly
Awards Checking Balances $20,001+ .25%$20,001+.25%Monthly

Business Checking Rates

Effective 2/1/2024

AccountDividend RateRequired Daily BalanceAPY*Earnings Credit APYDividends Paid
Business Premium Checking0.05%$1,0000.05%0.20%Monthly
Business Elite Checking0.10%$5,0000.10%0.60%Monthly

Savings Account Rates

Effective 2/1/2024

AccountsDividend RateRequired Daily Balance to Earn Dividends *APYDividends Paid
Member Savings.20%$50.20%Quarterly
Buck’s Savings Club.20%$50.20%Quarterly
Saver’s Sweepstakes.25%$25.25%Quarterly
Christmas Club.25%$50.25%Quarterly
Health Savings ($50 – $4,999.99).20%$50.20%Monthly
Health Savings ($5,000 – $14,999.99).30%$5,000.30%Monthly
Health Savings ($15,000 – $24,999.99).60%$15,000.60%Monthly
Health Savings ($25,000 or more).75%$25,000.75%Monthly
Money Management ($2,500+) 1.29%$2,5001.30%Monthly
Money Management ($10,000+)1.59%$10,0001.60%Monthly
Money Management ($25,000+)1.74%$25,0001.75%Monthly
Money Management ($100,000+)2.23%$100,0002.25%Monthly
Money Management ($250,000+)2.57%$250,0002.60%Monthly
Money Management Plus ($500,000+)2.72%$500,0002.75%Monthly
Money Management Plus ($750,000+)2.81%$750,0002.85%Monthly
Money Management Plus ($1,000,000+)2.96%$1,000,0003.00%Monthly
Traditional & Roth IRAs
($50 – $9,999.99)
.25%$50.25%Quarterly
Traditional & Roth IRAs
($10,000 or more)
 1.00%$10,000 1.00%Quarterly
Education IRA.25%$50.25%Quarterly

Certificate Rates

Effective 2/1/2024

Special 13-Month Certificate | Minimum $5,000 Deposit | 4.91% APR | 5.00% APY

Special 22-Month Certificate | Minimum $1,000 Deposit | 4.67% APR | 4.75% APY

Share & IRA Certificates**
(note:  IRA Certificates require $1000 Minimum and 1 Year Minimum)
Term($500 minimum)($10,000 minimum)
 Dividend Rate*APYDividend Rate*APY
3-Month0.60%0.60%0.65%0.65%
6-Month2.43%2.45%2.53%2.55%
12-Month2.92%2.95%3.02%3.05%
18-Month2.92%2.95%3.02%3.05%
24-Month3.02%3.05%3.11%3.15%
36-Month3.16%3.20%3.26%3.30%
48-Month3.16%3.20%3.26%3.30%
60-Month3.21%3.25%3.31%3.35%
*Annual Percentage Yield **A penalty may be applied for early withdrawal. Dividends paid quarterly.

Credit Card Rates

Effective 2/1/2024

AccountAPR*
Credit Card12.50%

*APR is an annual percentage rate. Rates are subject to change.
All loans are quoted as low as to include 0.25% discount for having an automatic payment and a WCCU checking.

Line of Credit

Effective 2/1/2024

AccountAPR*
Line of Credit11.96%

*APR is an annual percentage rate. Rates are subject to change.
All loans are quoted as low as to include 0.25% discount for having an automatic payment and a WCCU checking.

Mortgage Rates

Effective 2/20/2024

Loan ProgramRateAnnual Percentage Rate (APR)Loan TypePrincipal & Interest (P&I)Loan Amount
30 Year Fixed Rate6.500%6.603%Conventional*$948.10$150,000 Loan
20 Year Fixed Rate7.000%7.142%Conventional*$1162.95$150,000 Loan
15 Year Fixed Rate6.625%6.796%Conventional*$1,316.99$150,000 Loan
30 Year Fixed Rate GRH6.500%7.058%USDA Guaranteed Rural Housing**$957.68$150,000 Loan Base
$151,515 Total Loan

Personal Signature Loan

Effective 2/1/2024

TermAPR*Monthly Payment**
per $1,000 borrowed
12 Months10.31%$88.06

*APR is an annual percentage rate. Rates are subject to change.
All loans are quoted as low as to include 0.25% discount for having an automatic payment and a WCCU checking.

**The payment without established automatic payment and WCCU checking will be higher.
The actual loan amount, rate and term will be based on credit history. Monthly payments are based on term and payment.

Auto Rates

Effective 2/1/2024

TypeTermAPR*Montly Payment
per $1,000 borrowed
New Auto36 Months6.80%$28.65
Used Auto36 Months6.95%$28.72

*APR is an annual percentage rate. Rates are subject to change.
All loans are quoted as low as to include 0.25% discount for having an automatic payment and a WCCU checking.

**The payment without established automatic payment and WCCU checking will be higher.
The actual loan amount, rate and term will be based on credit history. Monthly payments are based on term and payment.

Recreational Vehicle Rates

Effective 2/1/2024

TypeTermAPR*Montly Payment
per $1,000 borrowed
New Recreational Vehicle36 Months7.48%$28.96
Used Recreational Vehicle36 Months7.63%$29.03

*APR is an annual percentage rate. Rates are subject to change.
All loans are quoted as low as to include 0.25% discount for having an automatic payment and a WCCU checking.

**The payment without established automatic payment and WCCU checking will be higher.
The actual loan amount, rate and term will be based on credit history. Monthly payments are based on term and payment.