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Wanigas Credit Union
Wanigas Credit Union
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Rates

Savings Rates

Savings Accounts
Effective Date: Tuesday, November 20th, 2018
NameRateAPY*
Regular Passbook Savings 0.10% 0.10%

Power Saver MMA

$5 - $49,999.99 0.35% 0.35%
$50,000- $99,999.99 0.90% 0.90%
$100,000 - $149,999.99 1.10% 1.11%
$150,000 - $199,999.99 1.20% 1.21%
$200,000 and over 1.40% 1.41%

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: Tuesday, November 20th, 2018
RateAPY*
1.15% 1.15%
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: Tuesday, November 20th, 2018
TermMinimum DepositAPR*APY*
1 Year $500.00 1.90% 1.92%
2 Year $500.00 2.15% 2.17%
3 Year $500.00 2.40% 2.43%
4 Year $500.00 2.75% 2.79%

Certificates of Deposit
Effective Date: Tuesday, November 20th, 2018
TermMinimum DepositAPR*APY**Early Withdrawal Penalty
3-month CD $500** 1.25% 1.26% 90 days dividends
6-month CD $500** 1.40% 1.41% 90 days dividends
12-month CD $500** 1.90% 1.92% 90 days dividends
24-month CD $500** 2.15% 2.17% 120 days dividends
36-month CD $500** 2.40% 2.43% 180 days dividends
48-month CD $500** 2.75% 2.79% 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- 10 Year Model or Newer (Models Over 10 Years Receive Unsecured Rate)
Effective Date: Tuesday, November 20th, 2018
TermAPR*Payment per $1,000.
Up to 36 months as low as 3.25%* $29.20
37 months to 48 months as low as 3.75%* $22.47
49 months to 60 months as low as 4.00% $18.42
61 months to 72 months as low as 4.25%* $15.77
73 months to 84 months as low as 4.75%* $13.79
*APR = Annual Percentage rate.  Rates listed represent our best rate and are subject to credit approval. Rates are subject to change without notice. Normal loan guidelines apply.

RVs, Boats and Motorcycles- 10 Year Model Or Newer (Models Over 10 Years Receive Unsecured Rate)
Effective Date: Tuesday, November 20th, 2018
TermAPR*Payment per $1,000.
Up to 36 months as low as 3.25%* $29.20
37 months to 48 months as low as 3.75%* $22.47
49 months to 60 months as low as 4.00%* $18.42
61 months to 72 months as low as 4.25%* $15.77
73 months to 84 months as low as 4.75%* $13.79
*APR = Annual Percentage rate. Rates listed represent our best rate and are subject to credit approval. Normal loan guidelines apply.

Personal Loans
Effective Date: Tuesday, November 20th, 2018
NameAPR*Payment per $1,000.
Wanigas Holiday Loan- 12 Month Term Fixed Rate of 18.00% $91.68
Personal Loan (Unsecured) up to 60 months as low as 9.95%* $21.23
Equal Share Loan up to 36 months as low as 3.25%* $29.20
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
TermRate
Home Equity & Fixed Rate Conventional Mortgages 
Click Here for Today's Featured Rates
 

VISA Platinum
Rate
AS LOW AS 10.95% APR*
*APR = Annual Percentage Rate. Rate listed represents our best rate and is based on a review of your credit history. APR= 10.95% - 19.95% at account opening, after that your APR will vary with the market based on Prime Rate.

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National Credit Union Administration Equal Housing  Opportunity This Credit Union is federally insured by the National Credit Union Administration.
Equal Housing Lender, we do business in accordance with Federal Fair Lending Laws.