Current Rates

To see rates, click on each heading to expand

LOAN RATES

  • Vehicles

    Model Year APR* as low as
    2024-2023 < 20K miles 6.99%
    2024-2023 > 20K miles 7.49%
    2022-2021 7.49%
    2020-2015 7.99%
    2014 and older Contact Credit Union for rates.

  • Motorcycle

    Model Year APR* as low as
    2023-2022 < 5K miles 8.49%
    2023-2022 > 5K miles 8.49%
    2021-2020 8.99%
    2019-2014 9.99%
    2013 and older Contact Credit Union for rates.

  • Boat / RV / 5th Wheel

    Model Year APR* as low as
    2023-2022 < 20K miles 8.49%
    2023-2022 > 20K miles 8.49%
    2021-2020 8.99%
    2019-2014 9.99%
    2013 and older Contact Credit Union for rates.

  • Other Vehicles***

    Model Year APR* as low as
    2023-2022 < 5K miles 8.49%
    2023-2022 > 5K miles 8.49%
    2021-2020 8.99%
    2019-2014 9.99%
    2013 and older Contact Credit Union for rates.

  • Personal Loans

    Term APR* as low as
    Up to 12 months 11.25%
    13-24 Months 11.50%
    25-36 Months 11.75%
    37-48 Months 12.00%
    49-60 Months 12.25%

Loan Rate discounts available for members with direct deposit, auto pay from a WCCFCU deposit account, and/or enrollment in Home Banking & eStatements.

DEPOSIT RATES

  • Share Savings Account Rates

    Minimum APR* APY**
    $25.00 and Up 0.05% 0.05%

  • Money Money Market Accounts

    Tier APR* APY**
    $2,000 to $9,999.99 Balance 2.75% 2.79%
    $10,000 to $24,999.99 Balance 2.75% 2.79%
    $25,000 to $49,999.99 Balance 3.00% 3.04%
    $50,000 to $99,999.99 Balance 3.00% 3.04%
    $100,000 Balance and Higher 3.25% 3.30%

    Money Market Accounts earn dividends which are calculated by the daily balance method; this applies a daily periodic rate to the balance in the account each day. Dividends are paid to the account at each month end. No minimum balance is required; however, a balance of under $2,000 does not earn dividends.

  • Certificates

    Term APR* APY**
    6 Month - $500 Minimum Balance 3.96% 4.00%
    12 Month - $1,000 Minimum Balance 4.35% 4.35%
    24 Month - $1,000 Minimum Balance 4.35% 4.35%
    36 Month - $1,000 Minimum Balance 4.10% 4.10%
    48 Month - $1,000 Minimum Balance 4.00% 4.00%
    60 Month - $1,000 Minimum Balance 4.00% 4.00%
    Higher interest rates on Certificates are available for accounts with certain relationships. Please inquire with a credit union representative for further details.
    Substantial penalty for early withdrawal on Certificates.

Higher Deposit rates may be available for members with certain relationships with WCCFCU. Inquire with a credit union representative for more details.

 

* APR = Annual Percentage Rate.

** APY = Annual Percentage Yield

*** Other Vehicles include ATV/UTV, Personal Watercraft, Trailers, Riding Mowers, and Small Tractors (non-commercial)

Above rates are quoted at 100% Loan-to-Value with the best credit rating and shortest term. Higher rates apply based on actual term, Loan-to-Value and credit rating. WCCFCU uses NADA and vehicle condition to determine value. Vehicles with over 100,000 miles add 1.00% to qualifying rate. Other terms and conditions apply.

WCCFCU does not finance salvage, rebuilt, or dealer buy-back titles.

All rates are subject to change without notice.

Please inquire with a credit union representative for loan or deposit account types not listed here.

Smithville Branch call: 330-669-2117

Orrville Branch call: 330-682-2117

Send us a message by clicking here.