Loan Rates

Loans	Daily Periodic Rate	Rate	APR*	Term in months
Signature Advances ($10,000.00 max)	0.027123	As low as 9.900%	As low as 9.900%	60
100% Share Secured (3% above highest dividend earned)			0.000	60
Used Vehicles (2011-2012)	0.012328	As low as 5.00%	As low as 5.00%	60 or less
Used Vehicles (2013-2015)	0.009589	As low as 4.00%	As low as 4.00%	60 or less
Used Vehicles (2016-2019)	0.008191	As low as 3.49%	As low as 3.49%	60 or less
Used Vehicles (2020-2021)	0.006821	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	0.012987	As low as 5.24%	As low as 5.24%	72
New Vehicles (36 months)	0.005178	As low as 2.49%	As low as 2.49%	36
New Vehicles (48 months)	0.005178	As low as 2.49%	As low as 2.49%	48
New Vehicles (60 months)	0.005178	As low as 2.49%	As low as 2.49%	60
New Vehicles (72 months)($25,000 or more)	0.009013	As low as 3.79%	As low as 3.79%	72
Antique/Classic Car (60 months) 20 years or older	0.012987	As low as 4.74%	As low as 4.74%	60
New ATV, Dirt Bike, Utility Vehicle(100% MSRP)	0.012302	As low as 4.49%	As low as 4.49%	60
Used ATV, Dirt Bike, Utility Vehicle(100% NADA Loan Value)	0 .017781	As low as 6.49%	As low as 6.49%	60
New RV (80% NADA Loan Value)	0.017781	As low as 6.49%	As low as 6.49%	120
Used RV (80% NADA Loan Value)	0.023261	As low as 8.49%	As low as 8.49%	120
Mobile Home / Manufactured Home	0.032877	As low as 12.00%	As low as 12.00%	120
Home Equity Loan		4.00%	4.00%	60
Home Equity Loan	0.012328	4.50%	4.50%	120
Home Equity Loan	0.013698	5.00%	5.00%	180
First Mortgage	Click here for daily rates
Home Equity Line of Credit (120 months)=+& $10,000.00 minimum	0.013425	4.90%	4.90%	120
Visa Credit Card (no annual fee) $10,000 maximum****			9.90%~
New Boat	0.012302	As low as 4.49%	As low as 4.49%	120
Used Boat	0.023260	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
Dana Marchines 1875683

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