Rates

VEHICLES (for Personal Use)
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Wayne County Community Federal Credit Union does NOT burden borrowers with early prepayment penalties. We also do not charge Loan Processing Fees (which may save borrowers up to $200 at closing.)

2018 AND 2017 New Car, SUV and Truck, or used and under 20k miles
Rates as low as 2.74% APR for up to 48 months term. Terms are also available for up to 84 months at higher rates. 

2017 to 2012 Used Vehicles
Rates as low as 4.24% APR up to 66 months. Terms are also available for up to 66 months at higher rates. 

2011-2007 Used Vehicles
Rates as low as 5.24% APR up to 48 months. Terms are also available for up to 60 months at higher rates. 

2006-2004 Used Vehicles
Rates as low as 6.24% APR up to 48 months. 

Vehicles older than 2004 will be considered for financing, but term and rate may be based on the reasonable remaining life of the vehicle. Inspection/photo will likely be needed.

Other terms and conditions apply, and rates and terms  may vary based on the credit score of borrower(s), LTV and other factors. APR = Annual Percentage Rate. WCCFCU does not finance salvage, rebuilt, or dealer buy-back titles. Our loan rates and terms are based on a combination of the applicant's credit score (or creditworthiness). Other rates may apply depending on qualifications, including age and mileage of vehicle. Rates are subject to change without notice. All rates advertised below are our best qualifying rates.

CAMPERS AND RVS | MOTORCYCLES | ATVS
BOATS AND PWC | RIDING MOWERS
SMALL TRACTORS

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New or never titled: Rates as low as 3.74% APR up to 48 months. Terms are also available for up to 84 months at higher rates. 
Used, 2018 to 2010 model: Rates as low as 5.24% APR up to 48 months.  Terms are also available for up to 66 months at higher rates. 
Used, 2009 or older: Rates as low as 7.24% APR up to 48 months. Terms are also available for up to 60 months at higher rates. 

Other terms and conditions apply, and rates and terms may vary based on the credit score of borrower(s), LTV and other factors. APR = Annual Percentage Rate. WCCFCU does not finance "salvage" titles. Our loan rates and terms are based on a combination of the applicant's credit score (or creditworthiness). Other rates may apply depending on qualifications, including age and mileage of vehicle. Rates are subject to change without notice. All rates advertised are our best qualifying rates.
 
Please inquire with a lending officer for more information regarding personal loans or other loans not listed here. For Smithville, call 330-669-2117. For Orrville lenders, call 330-682-2117, or email us at loans@wccfcu.com
 
 

Current Share Rates as of 05/05/2017
(In some cases, members using multiple financial services with WCCFCU may be eligible for a higher APR* and APY* than shown here. Inquire with your WCCFCU Member Service representative for more information on how you may be eligible for the Reward Rates.)

SHARE SAVINGS ACCOUNT RATES
MINIMUM

APR*

APY*
$25.00 And Up .05% .05%
    Calculators
TERM SHARE CERTIFICATE RATES
TERM

APR*

APY*
6   Month - $500    Min

0.05%

0.05%

 

 

12 Month - $1000  Min

0.10%

0.10%

24 Month - $1,000 Min

0.20%

0.20%

36 Month - $1,000 Min

0.30%

0.30%

Substantial penalty for early withdrawal on term share certificates. *APR = Annual Percentage Rate, and APY = Annual Percentage Yield. Rates may change without notice.

Calculators

The NCUA website provides more explanation and videos regarding your coverage.