APR=Annual Percentage Rate                                                                        

Vehicles and Motorcycles
(2010 and Newer)   APR
2 Years as low as 2.25%
3 Years as low as 2.25%
4 Years as low as 2.25%
5 Years as low as 2.50%
6 Years (2014 and newer with 20% down) as low as 3.00%
Used Vehicles
(2004-2009)   APR
2 Years as low as 4.25%
3 Years as low as 4.25%
4 Years as low as 4.25%
Other rates and terms available    
Recreational Vehicles – Boats, Jet Skis, ATVs, Snowmobiles, Etc.
Years   APR
2 Years as low as 4.25%
3 Years as low as 4.25%
4 Years as low as 4.25%
Personal Loans
Years   APR
1 Year as low as 6.99%
2 Years as low as 6.99%
3 Years as low as 6.99%
4 Years ($4,000 and higher) as low as 8.49%
First Mortgage - FIXED
Years   Points Rate APR
30 Year Fixed Please call a Mortgage Officer for latest rate information
Modifications (NO new money, $600 Fee) as low as 0 pts 5.200% 5.255%
15 Year Fixed - 45/60 DAY LOCK as low as 0 pts 3.250% 3.340%
12 Year Fixed* - 45/60 DAY LOCK as low as 0 pts 3.110% 3.210%
10 Year Fixed* - 45/60 DAY LOCK as low as 0 pts 2.950% 3.080%
  8 Year Fixed* - 45/60 DAY LOCK as low as 0 pts 2.800% 2.960%

*25% equity, based on $100,000 mortgage 

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%
5 year/1 year ARM as low as 0 pts 2.990% 4.791%
7 year/1 year ARM as low as 0 pts 3.490% 5.443%

First Mortgage Minimum Loan Amount is $40,000

Maximum Loan Amount is $424,100

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Home Equity Loans
Years   Rate APR
5 year  as low as 3.500% 3.53%
10 year  as low as 3.750% 3.77%
15 year as low as 4.000% 4.01%
Home Equity Line of Credit (Up to $250,000) as low as 3.750%  
  • 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
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 June 28, 2017