Rates
LOAN RATES
Effective Date: October 13, 2025
Loan rates subject to change without notice
APR=Annual Percentage
Rate
* as low as
| Loan Type | Term | APR (Min)* | APR (Max) | Payment Example (per $1,000) |
|---|---|---|---|---|
| First Mortgage | Up to 360 months | Contact WCU for terms | Contact WCU for terms | Contact WCU for terms |
New Autos (Model Years 2019-2025)
Ask about our relationship pricing! You could qualify for an even lower auto loan rate. |
Up to 42 months | 5.50% | 16.65% | $26.23 - $31.58 |
| Up to 66 months | 5.70% | 17.75% | $17.69 - $23.84 | |
| Up to 90 months | 6.50% | 8.30% | $14.07 - $14.96 | |
Pre-Owned Vehicles (Model Years 2016-2018)
Ask about our relationship pricing! You could qualify for an even lower auto loan rate. |
Up to 42 months | 5.69% | 17.44% | $26.32 - $31.98 |
| Up to 66 months | 6.29% | 16.24% | $17.96 - $23.01 | |
| Up to 90 months | 7.19% | 8.89% | $14.41 - $15.26 | |
Older Models (Model Years 2015 and older)
Ask about our relationship pricing! You could qualify for an even lower auto loan rate. |
Up to 42 months | 10.00% | 12.65% | $28.32 - $29.59 |
| Up to 66 months | 11.20% | 13.75% | $20.36 - $21.68 | |
| Motorcycles, Jet Skis & ATV Vehicles | Up to 42 months | 5.74% | 17.50% | $26.34 - $32.01 |
| Up to 78 months | 6.99% | 17.50% | $15.99 - $21.55 | |
| Motorhome, Travel Trailers, Campers & Yachts | Up to 56 Months | 8.75% | 15.50% | $21.81 - $25.20 |
| Up to 180 months | 10.50% | 11.00% | $11.05 - $11.37 | |
| Boats Under 30 ft | Up to 56 Months | 8.75% | 15.50% | $21.81 - $25.20 |
| Up to 120 months | 10.00% | 11.25% | $13.22 - $13.92 | |
| Tractors and Horse Trailers (Maximum Loan Amount: $30,000) | Up to 42 months | 5.74% | 17.50% | $26.34 - $32.01 |
| Up to 60 months | 6.49% | 17.24% | $19.56 - $24.98 | |
| Share Secured Loan | Contact WCU for terms | Contact WCU for terms | Contact WCU for terms | Contact WCU for terms |
| Lifestyle Loan/Signature Loan | Up to 12 months | 9.99% | 18.00% | $87.91 - $91.68 |
| Up to 72 months | 11.99% | 12.99% | $19.54 - $20.07 | |
| EZ$ Loan | Contact WCU for terms | Contact WCU for terms | Contact WCU for terms | Contact WCU for terms |
| Personal Line
of Credit (Min. Loan Amount: $500; Max. Loan Amount: $20,000) |
Revolving | 13.50% | — | — |
| VISA
Rewards Disclosures |
Revolving | 12.90% 2.99% Intro rate for 6 months |
— | — |
| VISA
Platinum Disclosures |
Revolving | 14.90% | — | — |
| Up To 100% CLTV Home Equity Loan [Fixed Rate] ** | Contact WCU for terms | 6.35% | 13.85% | — |
| Home Equity Line of Credit [Variable Rate]** | Contact WCU for terms | 7.50% | 13.50% | — |
Rates and terms offered are subject to change. Please contact us for complete details on interest rates and how your rate is determined.
Wauna Credit Union is registered with the National Mortgage
Licensing System (NMLS #421867). Visit the NMLS Consumer Access
website:
http://www.nmlsconsumeraccess.org to confirm our registration and that of our Mortgage Loan
Originators. NMLS Consumer AccessSM is a free
service for consumers to confirm that the
financial-services company or professional with whom they wish to conduct business is authorized
to
conduct business in their state.
**Home Equity Loan Terms
APR = Annual Percentage Rate. No
closing costs except appraisal if required. Estimated appraisal cost: $745. Your interest rate and credit
limit will be
determined based on individual credit worthiness. Verification of income is required.
Property Insurance is required. If the property is located in a Special
Flood Hazard Area, we will
require you to obtain flood insurance if it is available. An early closure fee (Title, Recording, Flood
Determination – Total fees
approximately $250) is applied if the loan is closed within the first 36
months. You must pay a Re-Conveyance Fee at the end of the contract in order to
release our lien. This
fee will be determined at the time of re-conveyance. Maximum loan amount is determined by a variety of
methods, including County
RMV, AVM Report, or Appraised Value. The APR includes interest only and no
other costs and could change at any time. Variable Rate is equal to the Prime
Rate index (currently
7.25% APR as of September 18, 2024) as published in the Wall Street Journal and is subject to change. To
determine the APR which
will apply to your account, a margin (currently 0.00% APR – 8.00% APR) will be
added to your current index rate. As of September 18, 2024, the Variable
Annual Percentage Rate for
Home Equity Lines of Credit ranged from 7.25% APR – 15.25% APR). Home equity loans may qualify for tax
deductible
interest. Consult with your tax advisor for details. In no event will the regular APR be
less than the Prime Rate or more than 18.00% APR or applicable
state law. Non-members may apply for a
Home Equity Line of Credit. Membership with Wauna Credit Union is required for a Home Equity Line of
Credit to
be funded. Visit waunafcu.org for member eligibility details.
CHECKING RATES
Effective Date: April 1, 2025
APY= Annual Percentage Yield
| Type | Rate | APY |
|---|---|---|
| Simply Free Checking | Dividend Free Account | |
| Easy Interest Checking | 0.250% | 0.250% |
| 50+ Interest Checking | 0.250% | 0.250% |
| High Interest Checking $1,500+ | 1.638% | 1.650% |
| High Interest Checking $0 - $1,499.99 | 0.050% | 0.050% |
Sunsetted checking account types are at the bottom of the rates page. These products are no longer available.
SAVINGS/SHARE ADVANTAGE RATES
Effective Date: April 1, 2025
APY= Annual Percentage Yield
APY= Annual Percentage Yield disclosures
CERTIFICATE RATES
Effective Date: October 6th, 2025
| Type | Rate | APY |
|---|---|---|
| 5 Month Certificate Special $500+ |
3.251% | 3.300% |
| 5 Month Certificate Special $500+ Checking w/ Estatements* |
3.494% | 3.550% |
| 7 Month Certificate Special $500+ |
3.154% | 3.200% |
| 7 Month Certificate Special $500+ Checking w/ Estatements* |
3.397% | 3.450% |
| 9 Month Certificate
Special $500+ |
3.057% | 3.100% |
| 9 Month Certificate
Special $500+ Checking w/ Estatements* |
3.300% | 3.350% |
*You must be an owner on a Wauna Credit Union checking account with E-statement enrollment to earn the higher APY.
APY= Annual Percentage Yield DISCLOSURES
| Type | Rate | APY |
|---|---|---|
| 13 Month Savers Certificate $500+ |
1.982% | 2.000% |
APY= Annual Percentage Yield DISCLOSURES
| Type | Term | Rate | APY |
|---|---|---|---|
| $500 - 9,999.99 | 3 month | 0.549% | 0.550% |
| 6 month | 1.243% | 1.250% | |
| 12 month | 1.884% | 1.900% | |
| 18 month | 1.490% | 1.500% | |
| 24 month | 1.341% | 1.350% | |
| 36 month | 1.243% | 1.250% | |
| 48 month | 1.095% | 1.100% | |
| 60 month | 1.095% | 1.100% | |
| $10,000 - 19,999.99 | 3 month | 0.549% | 0.550% |
| 6 month | 1.243% | 1.250% | |
| 12 month | 1.884% | 1.900% | |
| 18 month | 1.490% | 1.500% | |
| 24 month | 1.341% | 1.350% | |
| 36 month | 1.243% | 1.250% | |
| 48 month | 1.095% | 1.100% | |
| 60 month | 1.095% | 1.100% |
| Type | Term | Rate | APY |
|---|---|---|---|
| $20,000 - 49,999.99 | 3 month | 0.549% | 0.550% |
| 6 month | 1.243% | 1.250% | |
| 12 month | 1.884% | 1.900% | |
| 18 month | 1.490% | 1.500% | |
| 24 month | 1.341% | 1.350% | |
| 36 month | 1.243% | 1.250% | |
| 48 month | 1.095% | 1.100% | |
| 60 month | 1.095% | 1.100% | |
| $50,000 - 99,999.99 | 3 month | 0.549% | 0.550% |
| 6 month | 1.243% | 1.250% | |
| 12 month | 1.884% | 1.900% | |
| 18 month | 1.490% | 1.500% | |
| 24 month | 1.341% | 1.350% | |
| 36 month | 1.243% | 1.250% | |
| 48 month | 1.095% | 1.100% | |
| 60 month | 1.095% | 1.100% |
APY= Annual Percentage Yield. Disclosures
MONEY MARKET RATES
Effective Date: April 1, 2025
ELITE+ MONEY MARKET
(Minimum opening deposit $5,000, minimum to earn dividends listed below)
| Type | Rate | APY |
|---|---|---|
| $5,000 – 99,999.99 | 1.100% | 1.106% |
| $100,000 – 249,999.99 | 1.854% | 1.870% |
| $250,000 – 749,999.99 | 2.106% | 2.126% |
| $750,000+ | 2.355% | 2.381% |
APY= Annual Percentage Yield DISCLOSURES
TRADITIONAL MONEY MARKET
(Minimum opening deposit is $100.00, minimum to earn dividends below)
APY= Annual Percentage Yield DISCLOSURES
Roth, Roth Conversion, Traditional & SEP IRA
| Type | Rate | APY |
|---|---|---|
| $0 – 2,499.99 | 0.500% | 0.501% |
| $2,500 – 4,999.99 | 0.500% | 0.501% |
| $5,000 – 24,999.99 | 0.500% | 0.501% |
| $25,000 – 59,999.99 | 1.000% | 1.005% |
| $60,000 – 99,999.99 | 1.244% | 1.250% |
| $100,000 – 124,999.99 | 1.244% | 1.250% |
| $125,000+ | 1.244% | 1.250% |
APY= Annual Percentage Yield DISCLOSURES
Coverdell
| Type | Rate | APY |
|---|---|---|
| $0.01+ | 0.250% | 0.250% |
APY= Annual Percentage Yield disclosures
Health Savings Account (HSA)
| Type | Rate | APY |
|---|---|---|
| $0 – 2,499.99 | 0.050% | 0.050% |
| $2,500 – 9,999.99 | 0.150% | 0.150% |
| $10,000+ | 0.250% | 0.250% |
APY= Annual Percentage Yield disclosures
Jump Start Youth Savings
| Type | Rate | APY |
|---|---|---|
| $0 - $500 | 3.445% | 3.500% |
| $500.01 | 0.020% | 3.500% to 1.760% |
APY= Annual Percentage Yield disclosures
Holiday Club
| Type | Rate | APY |
|---|---|---|
| $50.00+ | 0.100% | 0.100% |
APY= Annual Percentage Yield disclosures
Escrow Savings Rate and Terms
| Type | Rate | APY |
|---|---|---|
| $0.00+ | 3.410% | 3.454% |
APY= Annual Percentage Yield DISCLOSURES
Sunsetted Products
(No Longer Available as a New Product)
Go Green Checking
| Type | Rate | APY |
|---|---|---|
| $0.01 to $10,000 | 1.490% | 1.500% |
| $10,000.01+ | 0.050% | 1.500% to 0.340% |
| $0.01+ (Requirements Not Met) | 0.000% | 0.000% |
APY= Annual Percentage Yield DISCLOSURES
BUSINESS PRODUCT LINE RATES
Effective Date: September 1, 2025
APY= Annual Percentage Yield
Business Product Rates
Business Product Line Fees