Wanigas Credit Union


Wanigas Credit Union
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Savings Rates

Savings Accounts
Effective Date: Saturday, March 25th, 2017
NameRateAPY*
Regular Passbook Savings 0.10% 0.10%

Power Saver MMA

$5 - $49,999.99 0.25% 0.25%
$50,000- $99,999.99 0.30% 0.30%
$100,000 - $149,999.99 0.40% 0.40%
$150,000 - $199,999.99 0.50% 0.50%
$200,000 and over 0.60% 0.60%

Variable Rate

$5 - $2,499.99 0.00% 0.00%
$2,500 - $24,999.99 0.10% 0.10%
$25,000 - $49,999.99 0.25% 0.25%
$50,000 and over 0.30% 0.30%

Money Market Cash Management (with Check Privileges - $2,500 Minimum)

$5 - $2,499.99 0.00% 0.00%
$2,500 - $24,999.99 0.10% 0.10%
$25,000 - $49,999.99 0.25% 0.25%
$50,000 and over 0.30% 0.30%
All dividends are computed on a daily balance, paid and compounded monthly. Rates are subject to change.  *APY=Annual Percentage Yield  

Individual Retirement Account (IRA)
Effective Date: Saturday, March 25th, 2017
RateAPY*
0.50% 0.50%

Individual Retirement Accounts
(click here for more info)

*All dividend are computing on a daily balance, paid and compounded monthly. *APY - Annual Percentage Yield.

Fixed-Rate IRA Certificates of Deposit
Effective Date: Saturday, March 25th, 2017
TermMinimum DepositAPR*APY*
1 Year $500.00 0.55% 0.55%
2 Year $500.00 0.90% 0.90%
3 Year $500.00 1.25% 1.26%
4 Year $500.00 1.50% 1.51%

Certificates of Deposit
Effective Date: Saturday, March 25th, 2017
TermMinimum DepositAPR*APY**Early Withdrawal Penalty
3-month CD $500** 0.40% 0.40% 90 days dividends
6-month CD $500** 0.40% 0.40% 90 days dividends
12-month CD $500** 0.55% 0.55% 90 days dividends
24-month CD $500** 0.90% 0.90% 120 days dividends
36-month CD $500** 1.25% 1.26% 180 days dividends
48-month CD $500** 1.50% 1.51% 180 days dividends
*APR = Annual Percentage Rate. **APY = Annual Percentage Yield. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term certificate or IRA.

Loan Rates

New/Used Vehicles
Effective Date: Saturday, March 25th, 2017
TermAPR*Payment per $1,000.
Up to 60 months as low as 2.49%* $17.74
Up to 72 months as low as 2.49%* $14.97
73 months to 84 months as low as 3.49%* $13.44
*APR = Annual Percentage rate.  Rates listed represent our best rate and are subject to credit approval. Rates are subject to change without notice.

RVs, Boats and Motorcycles
Effective Date: Saturday, March 25th, 2017
TermAPR*Payment per $1,000.
Up to 60 months as low as 2.49%* $17.74
Up to 72 months as low as 2.49%* $14.97
73 months to 84 months as low as 3.49%* $13.44
*APR = Annual Percentage rate. Rates listed represent our best rate and are subject to credit approval.

Personal Loans
Effective Date: Saturday, March 25th, 2017
NameAPR*Payment per $1,000.
Personal Loans (unsecured) up to 60 months as low as 5.95%* $19.31
Equal Share Loan up to 36 months as low as 2.49%* $28.86
Quick Cash Line-Of-Credit Loan Fixed Rate of 18.00% $40.00
*APR = Annual Percentage rate. Rates listed represent our best rate and are subject to credit approval.

Home Equity & Mortgage Loans
Effective Date: Saturday, March 25th, 2017
TermRate
Home Equity Variable Rate - Line of Credit as low as 5.00% APR*
Home Equity 10 Year Term (1st Mortgage) as low as 5.24% APR*
Home Equity 10 Year Term (2nd Mortgage) as low as 5.99% APR*
Home Equity 15 Year Term (1st Mortgage) as low as 5.74% APR*
Home Equity 15 Year Term (2nd Mortgage) as low as 6.49% APR*
*APR = Annual Percentage rate. Rates listed represent our best rate and are subject to credit approval. Member's rate may vary from the above rate and will be determined after a review of the credit history.

FIXED RATE Conventional Mortgages 
Click Here for Today's Featured Rates

 

VISA Platinum
Rate
AS LOW AS 7.70% APR*
*APR = Annual Percentage Rate. Rate listed represents our best rate and is based on a review of your credit history. APR= 7.70% - 18.70% at account opening, after that your APR will vary with the market based on Prime Rate.

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