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

 

New Vehicles & Motorcycles 
(2010 and newer)   APR Repayment Term per Thousand
2 Years as low as 1.99% $42.54
3 Years as low as 1.99% $28.64
4 Years as low as 1.99% $21.70
5 Years as low as 1.99% $17.53
6 Years (2014 and newer) 20% down as low as 2.74%          $15.08
Other rates and terms available      

                          

Used Vehicles
(2004-2009)   APR Repayment Term per Thousand
2 Years as low as 4.25% $43.54
3 Years as low as 4.25% $29.64
4 Years as low as 4.25% $22.70
Other rates and terms available      
Recreational Vehicles – Boats, Jet Skis, ATVs, Snowmobiles, Etc.
Years   APR Repayment Term per Thousand
2 Years as low as 4.25% $43.54
3 Years as low as 4.25% $29.64
4 Years as low as 4.25% $22.70
Personal Loans
Years   APR Repayment Term per Thousand
1 Year as low as 7.99% $86.99
2 Years as low as 7.99% $45.23
3 Years as low as 7.99% $31.34
4 Years ($4,000 and higher) as low as 9.49% $25.13
First Mortgage - FIXED
Years   Points Rate APR Repayment Term per Thousand
15 Year Fixed**
45/60 DAY LOCK
as low as 0 pts 3.125% 3.215% $6.97
12 Year Fixed**
45/60 DAY LOCK
as low as 0 pts 3.000% 3.110% $8.28
10 Year Fixed**
45/60 DAY LOCK
as low as 0 pts 2.875% 3.005% $9.60
8 Year Fixed**
45/60 DAY LOCK
as low as 0 pts 2.750% 2.910% $11.62
  • Maximum Loan Amount is $424,100  
  • 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.
First Mortgage - ADJUSTABLE
Years Points   Rate APR
3 year/1 year ARM** as low as 0 pts 2.750% 4.902%¹
5 year/1 year ARM** as low as 0 pts 2.990% 4.791%²
7 year/1 year ARM** as low as 0 pts 3.490% 5.443%³
  • First Mortgage Minimum Loan Amount is $40,000
  • Maximum Loan Amount is $424,100

**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. Loan-to-Value ratios over 80% require Private Mortgage Insurance.

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.

¹THREE YEAR ARM

Rates start as low as 2.75 with an Annual Percentage Rate (APR) of 4.902.  The three year adjustable rate is based on a 30 year loan with no points and a current index of 4.09 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.

²FIVE YEAR ARM

Rates start as low as 2.99 with an Annual Percentage Rate (APR) of 4.791.  The five year adjustable rate is based on a 30 year loan with no points and a current index of 4.22 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.

³SEVEN YEAR ARM

Rates start as low as 3.49 with an Annual Percentage Rate (APR) of 5.443.  The seven year adjustable rate is based on a 30 year loan with no points and a current index of 4.49 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.


Home Equity Loans
Years   Rate APR Repayment Term per Thousand
5 year  as low as 3.500% 3.53% $18.20
10 year  as low as 3.750% 3.77% $10.01
15 year as low as 4.000% 4.01% $7.40
  • Minimum loan amount: $15,000
  • Maximum loan amount: $250,000
  • Maximum loan to value of 80% including first mortgage.
  • Other closing costs and fees will apply
Home Equity Lines of Credit
Years   Rate APR
7 year (2 year draw, 5 year repayment) as low as 4.25%  
20 year (5 year draw, 15 year repayment) as low as 4.25%  
       
  • Minimum loan amount:  $15,000
  • Maximum loan amount:  $250,000
  • Maximum loan to value of 80% including first mortgage
  • Other closing costs and fees will apply
  • Rate is tied to the Prime Rate - Current Prime Rate is 4.25%
Other Loans
Type   Rate
Share Secured as low as 3.00% above Share Rate
Certificate Secured as low as 3.00% above Certificate Rate
Overdraft Loan as low as 18.00% APR

APR=Annual Percentage Rate

ALL RATES SUBJECT TO CHANGE WITHOUT NOTICE

Rates Updated October 23, 2017