Rates
Personal Checking Rates
Effective 3/1/2024
Account | Dividend Rate | Required Daily Balance to Earn Dividends | APY* | Dividends Paid |
---|---|---|---|---|
Awards Checking (Up to $20,000) | 3.00% | $.01-$20,000 | 3.00% | Monthly |
Awards Checking Balances $20,001+ | .25% | $20,001+ | .25% | Monthly |
Business Checking Rates
Effective 3/1/2024
Account | Dividend Rate | Required Daily Balance | APY* | Earnings Credit APY | Dividends Paid |
---|---|---|---|---|---|
Business Premium Checking | 0.05% | $1,000 | 0.05% | 0.20% | Monthly |
Business Elite Checking | 0.10% | $5,000 | 0.10% | 0.60% | Monthly |
Savings Account Rates
Effective 3/1/2024
Accounts | Dividend Rate | Required Daily Balance to Earn Dividends | *APY | Dividends Paid |
---|---|---|---|---|
Member Savings | .20% | $50 | .20% | Quarterly |
Buck’s Savings Club | .20% | $50 | .20% | Quarterly |
Saver’s Sweepstakes | .25% | $25 | .25% | Quarterly |
Christmas Club | .25% | $50 | .25% | Quarterly |
Health Savings ($50 – $4,999.99) | .20% | $50 | .20% | Monthly |
Health Savings ($5,000 – $14,999.99) | .30% | $5,000 | .30% | Monthly |
Health Savings ($15,000 – $24,999.99) | .60% | $15,000 | .60% | Monthly |
Health Savings ($25,000 or more) | .75% | $25,000 | .75% | Monthly |
Money Management ($2,500+) | 1.29% | $2,500 | 1.30% | Monthly |
Money Management ($10,000+) | 1.59% | $10,000 | 1.60% | Monthly |
Money Management ($25,000+) | 1.74% | $25,000 | 1.75% | Monthly |
Money Management ($100,000+) | 2.23% | $100,000 | 2.25% | Monthly |
Money Management ($250,000+) | 2.57% | $250,000 | 2.60% | Monthly |
Money Management Plus ($500,000+) | 2.72% | $500,000 | 2.75% | Monthly |
Money Management Plus ($750,000+) | 2.81% | $750,000 | 2.85% | Monthly |
Money Management Plus ($1,000,000+) | 2.96% | $1,000,000 | 3.00% | Monthly |
Traditional & Roth IRAs ($50 – $9,999.99) | .25% | $50 | .25% | Quarterly |
Traditional & Roth IRAs ($10,000 or more) | 1.00% | $10,000 | 1.00% | Quarterly |
Education IRA | .25% | $50 | .25% | Quarterly |
Certificate Rates
Effective 3/1/2024
Special 13-Month Certificate | Minimum $5,000 Deposit | 4.91% APR | 5.00% APY
Special 22-Month Certificate | Minimum $1,000 Deposit | 4.67% APR | 4.75% APY
Share & IRA Certificates** (note: IRA Certificates require $1000 Minimum and 1 Year Minimum) | ||||
---|---|---|---|---|
Term | ($500 minimum) | ($10,000 minimum) | ||
Dividend Rate | *APY | Dividend Rate | *APY | |
3-Month | 0.60% | 0.60% | 0.65% | 0.65% |
6-Month | 2.43% | 2.45% | 2.53% | 2.55% |
12-Month | 2.92% | 2.95% | 3.02% | 3.05% |
18-Month | 2.92% | 2.95% | 3.02% | 3.05% |
24-Month | 3.02% | 3.05% | 3.11% | 3.15% |
36-Month | 3.16% | 3.20% | 3.26% | 3.30% |
48-Month | 3.16% | 3.20% | 3.26% | 3.30% |
60-Month | 3.21% | 3.25% | 3.31% | 3.35% |
Credit Card Rates
Effective 3/4/2024
Account | APR* |
---|---|
Credit Card | 12.50% |
*APR is an annual percentage rate. Rates are subject to change.
All loans are quoted as low as to include 0.25% discount for having an automatic payment and a WCCU checking.
Line of Credit
Effective 3/4/2024
Account | APR* |
---|---|
Line of Credit | 11.96% |
*APR is an annual percentage rate. Rates are subject to change.
All loans are quoted as low as to include 0.25% discount for having an automatic payment and a WCCU checking.
Mortgage Rates
Effective 3/18/2024
Loan Program | Rate | Annual Percentage Rate (APR) | Loan Type | Principal & Interest (P&I) | Loan Amount |
---|---|---|---|---|---|
30 Year Fixed Rate | 6.375% | 6.477% | Conventional* | $935.80 | $150,000 Loan |
20 Year Fixed Rate | 6.625% | 6.762% | Conventional* | $1,129.43 | $150,000 Loan |
15 Year Fixed Rate | 6.375% | 6.543% | Conventional* | $1,296.38 | $150,000 Loan |
30 Year Fixed Rate GRH | 6.125% | 6.677% | USDA Guaranteed Rural Housing** | $920.62 | $150,000 Loan Base $151,515 Total Loan |
Personal Signature Loan
Effective 3/4/2024
Term | APR* | Monthly Payment**per $1,000 borrowed |
---|---|---|
12 Months | 10.31% | $88.06 |
*APR is an annual percentage rate. Rates are subject to change.
All loans are quoted as low as to include 0.25% discount for having an automatic payment and a WCCU checking.
**The payment without established automatic payment and WCCU checking will be higher.
The actual loan amount, rate and term will be based on credit history. Monthly payments are based on term and payment.
Auto Rates
Effective 3/4/2024
Type | Term | APR* | Montly Payment per $1,000 borrowed |
---|---|---|---|
New Auto | 36 Months | 6.80% | $28.65 |
Used Auto | 36 Months | 6.95% | $28.72 |
*APR is an annual percentage rate. Rates are subject to change.
All loans are quoted as low as to include 0.25% discount for having an automatic payment and a WCCU checking.
**The payment without established automatic payment and WCCU checking will be higher.
The actual loan amount, rate and term will be based on credit history. Monthly payments are based on term and payment.
Recreational Vehicle Rates
Effective 3/4/2024
Type | Term | APR* | Montly Payment per $1,000 borrowed |
---|---|---|---|
New Recreational Vehicle | 36 Months | 7.48% | $28.96 |
Used Recreational Vehicle | 36 Months | 7.63% | $29.03 |
*APR is an annual percentage rate. Rates are subject to change.
All loans are quoted as low as to include 0.25% discount for having an automatic payment and a WCCU checking.
**The payment without established automatic payment and WCCU checking will be higher.
The actual loan amount, rate and term will be based on credit history. Monthly payments are based on term and payment.