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*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. **APY = Annual Percentage Yield. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government, National Credit Union Administration, a U. S. Government Agency. Wayne County Community Credit Union is an equal opportunity housing lender.