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Loan Rates

Loans Rate APR* Term in months
Signature Advances ($10,000.00 max) As low as 9.900% As low as 9.900% 60
100% Share Secured (3% above highest dividend earned) 0.000 60
Used Vehicles (2012-2013) As low as 5.00% As low as 5.00% 60 or less
Used Vehicles (2014-2016) As low as 4.00% As low as 4.00% 60 or less
Used Vehicles (2017-2020) As low as 3.49% As low as 3.49% 60 or less
Used Vehicles (2021-2022) As low as 2.99% As low as 2.99% 60 or less
Used Vehicles (72 months)($25,000 or more) can not be more than 10 years old As low as 5.24% As low as 5.24% 72
New Vehicles (36 months) As low as 1.89% As low as 1.89% 36
New Vehicles (48 months) As low as 1.89% As low as 1.89% 48
New Vehicles (60 months) As low as 1.89% As low as 1.89% 60
New Vehicles (72 months)($25,000 or more) As low as 3.79% As low as 3.79% 72
Antique/Classic Car
(60 months) 20 years or older
As low as 4.74% As low as 4.74% 60
New ATV, Dirt Bike, Utility Vehicle(100% MSRP) As low as 4.49% As low as 4.49% 60
Used ATV, Dirt Bike, Utility Vehicle(100% NADA Loan Value) As low as 6.49% As low as 6.49% 60
New RV (80% NADA Loan Value) As low as 6.49% As low as 6.49% 120
Used RV (80% NADA Loan Value) As low as 8.49% As low as 8.49% 120
Mobile Home / Manufactured Home As low as 12.00% As low as 12.00% 120
Home Equity Loan 3.50% 3.50% 60
Home Equity Loan 4.00% 4.00% 120
Home Equity Loan 4.50% 4.50% 180
First Mortgage
Home Equity Line of Credit (120 months)=+& $10,000.00 minimum 4.90% 4.90% 120
Visa Credit Card (no annual fee) $10,000 maximum**** 9.90%~
New Boat As low as 4.49% As low as 4.49% 120
Used Boat As low as 8.49% As low as 8.49% 120
 

*APR = Annual Percentage Rate
We do not finance S- salvage title or R- Reconstructed titles. New vehicles over $25,000.00 may be financed for 72 months. We finance 100% of MSRP on new vehicles.
Used vehicle maximum loan amount based on 100% of current NADA clean retail, excluding taxes, etc.  Used vehicles over $25,000.00 may be financed for 72 months.
~25 day grace period, 9.90% fixed APR on purchases and cash advances. Balance transfer fixed rate of 6.5%
+NEW MONEY ONLY, NO REFINANCING OF EXISTING LOANS.
*60 month draw period/120 repay period.
*Home equity line of credit disclosure-Rates and information are subject to change. The 4.90% fixed annual percentage rate(APR) applies for loan-to-value(LTV) up to 80%. Minimum loan amount is $10,000.00, maximum loan amount is $75,000.00. Five-year advance period with a ten-year repayment term from closing the home equity line of credit. Minimum initial advance is $2500.00. We charge interest from the date we receive notice of your advance. A $25.00 late fee will be applied after 10 calendar days. At time of applying a $150.00 non-refundable application fee is due. Adequate property insurance is required, and if applicable, flood insurance will be required.
^Home equity loan-Rates and information are subject to change at any time. All home equity loans rates are fixed and all home equity loans fall under the 80% loan-to-value condition. Annual Percentage Rate=APR. 4.00% APR for 60 months, minimum loan $10,000.00 and maximum loan $150,000.00, 4.50% APR for 120 months, minimum loan $10,000.00 and maximum loan $150,000.00, 5.00% for 180 months, minimum loan $10,000.00 and maximum loan $150,000.00.

We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Nationwide Mortgage Licensing System Numbers
WWFCU 665-120
Stephanie A. Kernicky 715-713

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