Windsor Locks Federal Credit Union - Loan & Mortgage Rates

APR=Annual Percentage Rate
Your actual rate may be higher based on your credit history.

New Vehicles
(2016 and newer)	APR as low as	Repayment Term per Thousand
2 Years	5.49%	$44.11
3 Years	5.49%	$30.20
4 Years	5.74%	$23.38
5 Years	5.99%	$19.34
6 Years	5.99%	$16.58

Other rates and terms available

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Used Vehicles
(2010-2015)	APR as low as	Repayment Term per Thousand
2 Years	7.49%	$45.02
3 Years	7.49%	$31.12
4 Years	7.74%	$24.30

Other rates and terms available

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Recreational Vehicles – Boats, Jet Skis, ATVs, Snowmobiles, Motorcycles
Years	APR as low as	Repayment Term per Thousand
2 Years	7.49%	$45.02
3 Years	7.49%	$31.12
4 Years	7.74%	$24.30

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Personal Loans
Years	APR as low as	Repayment Term per Thousand
1 Year	8.74%	$87.34
2 Years	9.24%	$45.80
3 Years	9.74%	$32.15
4 Years ($4,000 and higher)	9.74%	$25.24

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Debt Management Loans
Term	APR as low as	Repayment Term per Thousand
24 Months	11.49%	$46.84
36 Months	13.49%	$33.93
48 Months	14.29%	$27.58

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First Mortgage - FIXED
Years	Rate	APR	Repayment Term per Thousand
30 Year Fixed** 60 DAY LOCK as low as	6.250%	6.346%	$6.16
20 Year Fixed** 60 DAY LOCK as low as	6.000%	6.126%	$7.16
15 Year Fixed** 60 DAY LOCK as low as	5.750%	5.907%	$8.30
12 Year Fixed** 60 DAY LOCK as low as	5.500%	5.689%	$9.50
10 Year Fixed** 60 DAY LOCK as low as	5.500%	5.722%	$10.85
8 Year Fixed** 60 DAY LOCK as low as	5.250%	5.520%	$12.78

FIXED Maximum Loan Amount is $726,200
Minimum Loan Amount is $40,000

**The rates and annual percentage rates (APR's) on First Mortgage loans are based on a $100,000 mortgage; on a 1-4 family owner occupied dwelling; with the first payment due thirty days after the loan is disbursed.

APR=Annual Percentage Rate. WLFCU requires escrow for property taxes and if applicable flood insurance. Your individual rate is determined at the time of the rate lock. WLFCU charges an application fee on all mortgage loans payable at the time of the rate lock. Your rate may vary and may depend on your credit history or the type of property financed.

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First Mortgage - ADJUSTABLE
Years	Rate	APR
3 year/1 year ARM** as low as - 60 DAY LOCK	4.750%	4.838% ¹
5 year/1 year ARM** as low as - 60 DAY LOCK	5.000%	5.089% ²
7 year/1 year ARM** as low as - 60 DAY LOCK	5.250%	5.340% ³

First Mortgage Minimum Loan Amount is $40,000
Maximum Loan Amount is $726,200

¹ THREE YEAR ARM
Rates start as low as 3.75 with an Annual Percentage Rate (APR) of 3.833. The three year adjustable rate is based on a 30 year loan with no points and a current payment of $4.63 per thousand borrowed. Rate adjustments will occur annually after year three and will be based on the weekly average yield of United States Treasury securities adjusted to a constant maturity of one year, plus a margin of 2.75%. The initial rate will not change by more than 2% in any one year and 6% over the life of the loan.

² FIVE YEAR ARM
Rates start as low as 4.00 with an Annual Percentage Rate (APR) of 4.084. The five year adjustable rate is based on a 30 year loan with no points and a current payment of $4.77 per thousand borrowed. Rate adjustments will occur annually after year five and will be based on the weekly average yield of United States Treasury securities adjusted to a constant maturity of one year, plus a margin of 2.75%. The initial rate will not change by more than 2% in any one year and 6% over the life of the loan.

³ SEVEN YEAR ARM
Rates start as low as 4.25 with an Annual Percentage Rate (APR) of 4.335. The seven year adjustable rate is based on a 30 year loan with no points and a current payment of $4.92 per thousand borrowed. Rate adjustments will occur annually after year seven and will be based on the weekly average yield of United States Treasury securities adjusted to a constant maturity of one year, plus a margin of 2.75%. The initial rate will not change by more than 2% in any one year and 6% over the life of the loan.

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