Rates

Personal Checking Rates

Effective 5/1/2024

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 5/1/2024

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 5/1/2024

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 5/1/2024

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 4/29/2024

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 4/29/2024

AccountAPR*
Line of Credit11.57%

*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 5/20/2024

These rates and programs are some of the loan products WCCU offers. Rates posted are indications only and are subject to change without notice. Your actual rate and loan terms vary by many factors, such as credit, down payment or equity, income type or loan amount.

The rates and terms displayed are based on a $150,000 loan amount for financing a single family, owner-occupied primary residence home meeting secondary market criteria. Loan level price adjustments may also apply.

Contact us directly for exact loan quotes, official estimates and fees. Must qualify for WCCU Membership to be eligible for a loan.

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 Rate6.625%6.762%Conventional*$1,129.43$150,000 Loan
15 Year Fixed Rate6.250%6.416%Conventional*$1,286.13$150,000 Loan
30 Year Fixed Rate GRH6.250%6.804%USDA Guaranteed Rural Housing**$932.90$150,000 Loan Base
$151,515 Total Loan

*Please note the Conventional interest rates, APR, terms and payment are based on $150,000.00 loan; $187,500 purchase price with 20% down payment; no private mortgage insurance, 1-unit single family home.  Payment displayed is principal and interest only and does not include property taxes and home insurance.

**The 30 Year Fixed GRH, USDA loan is based on a loan amount of $150,000 with the MIP Funding Fee of 1% financed; total loan of $151,515.  Zero down payment example. $150,000 purchase price. A monthly MIP (mortgage insurance premium) of $44 is also required. Payment displayed is principal and interest only and does not include property taxes and home insurance. The actual interest rate available to you will be based on your credit history and may be different than the rates shown. The GRH loan has income and property geographic restrictions including collateral restrictions.

Your actual rate, costs and payment could be higher, get an official Loan Estimate before choosing a loan. Please contact WCCU for additional loan options and information. Membership eligibility required. Loans available to qualified members. Federally insured by NCUA. Equal Housing Lender.

NMLS #486034

Personal Signature Loan

Effective 4/29/2024

TermAPR*Monthly Payment**
per $1,000 borrowed
12 Months9.92%$87.88

*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 4/29/2024

TypeTermAPR*Montly Payment
per $1,000 borrowed
New Auto36 Months6.59%$28.55
Used Auto36 Months6.74%$28.62

*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 4/29/2024

TypeTermAPR*Montly Payment
per $1,000 borrowed
New Recreational Vehicle36 Months7.27%$28.87
Used Recreational Vehicle36 Months7.42%$28.94

*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.