Rates

 

LOAN RATES

Effective Date: September 1, 2015
Loan rates subject to change without notice
APR=Annual Percentage Rate
* As low as
Loan Type Repayment Term APR*
New Autos
(current and previous year)
Up to 90 months 2.99 %*
Used Auto Up to 90 months 2.99 %*
Motorcycles, Scooters, Jet Skis & ATV Vehicles Up to 72 months 4.99 %*
Motorhome, Travel Trailers, Campers & Yachts Up to 120 months 4.25 %*
Boats Under 30 ft Up to 120 months 4.99 %*
Tractors and Horse Trailers
(Maximum Loan Amount: $30,000)
Up to 60 months 6.74 %*
Share Secured Loan Contact branch for terms Contact branch for terms
Lifestyle Loan/Signature Loan Up to 72 months 6.49 %
Instant Loan Contact branch for terms Contact branch for terms
Personal Line of Credit
(Min. Loan Amount: $500; Max. Loan Amount: $20,000)
Revolving 9.75 %
Seasonal Loan Up to 11 months 7.45 %
VISA Rewards
See disclosures
Revolving 8.90%
VISA Platinum
See disclosures
Revolving 9.90 %
Home Equity Loan [Fixed Rate] (LTV up to 95%) 1 ** Up to 180 months 4.99 %
Home Equity Loan [Variable Rate] (LTV up to 95%) 1 **** Up to 180 months 3.50 %

   Disclosures
Rates and terms offered are subject to change. Please contact us for complete details on interest rates and how your rate is determined.
* Automatic Payment from member loan account required to qualify for lowest published rate; add .25%APR if member chooses not to sign-up for Automatic Payment.
1 Wauna Credit Union will pay closing cost for loan. Member will pay for appraisal if loan is cancelled.  Member will reimburse costs if loan is closed in first 36 months. Closing costs range from $233 to $1,500, including property appraisal, if required.
** Rate may change based on the credit worthiness of the borrower and/or other criteria. 
*** Rate may change on the credit worthiness of the borrower and other criteria.  Variable Rate is equal to the Prime Rate as published in the Wall Street Journal subject to change monthly, plus a margin of 0.00% to 8.50%.  The rate will not vary above 18% APR, or applicable state law, or below 3.25% APR. As of the Effective Date of this Loan Rate Chart, the variable rate for Home Equity Lines of Credit ranged from 3.25% APR to 11.00% APR.
 
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.


SAVINGS/SHARE ADVANTAGE RATES

Effective Date: July 1, 2014
APY= Annual Percentage Yield

$100 – 999.99 $1,000 – 9,999.99 $10,000 +
Rate APY* Rate APY* Rate APY*

0.030%

0.030%

0.050%

0.050%

0.050%

0.050%

APY= Annual Percentage Yield    Disclosures

 

 

CERTIFICATE RATES

Effective Date: July 1, 2014
APY= Annual Percentage Yield

Certificate Type $500 - 19,999.99 $20,000 +
Term Rate APY* Rate APY*

3 month

0.050%

0.050%

0.100%

0.100%

6 month

0.050%

0.050%

0.200%

0.200%

12 month

0.150%

0.150%

0.300%

0.300%

18 month

0.200%

0.200%

0.350%

0.350%

24 month

0.450%

0.450%

0.600%

0.600%

36 month

0.550%

0.550%

0.700%

0.700%

48 month

0.600%

0.600%

0.750%

0.750%

60 month

0.750%

0.750%

0.900%

0.900%

APY= Annual Percentage Yield.    Disclosures

 

Certificates Term Rate APY*
Youth Savers Certificate
(Opening Balance $5)
18 months 0.100% 0.100%
Savers Certificate*
(Opening Balance $100)
18 months 0.100% 0.100%
APY= Annual Percentage Yield    Disclosures

 

Bump Rate Certificates $500 - 19,999.99 $20,000 +
Term Rate APY* Rate APY*

18 month

0.200%

0.200%

0.350%

0.350%

24 month

0.450%

0.450%

0.600%

0.600%

36 month

0.550%

0.550%

0.700%

0.700%

48 month

0.600%

0.600%

0.750%

0.750%

60 month

0.750%

0.750%

0.900%

0.900%

APY= Annual Percentage Yield    Disclosures
 

 

CHECKING RATES

GO GREEN CHECKING RATES
Tier 1: $0 - $25,000 Tier 2*: $25,000.01+ Requirement Not Met**
Rate APY* Rate APY* Rate APY*

0.995%

1.000%

0.100%

1.00% - 0.55%

0.000%

0.000%

APY= Annual Percentage Yield   Disclosures
*The 0.10% rate applies to portion of balance over $25,000. The APY ranges from 1.000% to 0.55% depending on the balance***. **To earn the Go Green rate of 1.000% APY on balances up to and including $25,000, and 0.10% APY on balances over $25,000, you must meet the requirements set forth above for the applicable Go Green Checking requirement cycle, which begins the first day of the month to the last day of the month. If the requirements are not met, you will earn 0.00% APY on your checking balance. ***If daily balance is greater than $25,000, your annual percentage yield will range from 1.000% to 0.55% depending on the balance of your account. The APY range for Tier 2 assumes a minimum balance of $25,000.01 and a maximum balance of $50,000.

 

PREMIER CHECKING RATES
$1000+
Rate APY*

0.050%

0.050%

APY= Annual Percentage Yield   Disclosures
 

 

MONEY MARKET RATES
(Minimum opening deposit is $100.00, minimum to earn dividends below)
Balance Rate APY*

$500 – 9,999.99

0.050%

0.050%

$10,000 – 24,999.99

0.100%

0.100%

$25,000 – 49,999.99

0.100%

0.100%

$50,000 – 99,999.99

0.150%

0.150%

$100k – 249,999.99

0.200%

0.200%

$250,000+

0.200%

0.200%

APY= Annual Percentage Yield   Disclosures

 

Roth, Roth Conversion, Traditional & SEP IRA
Balance Rate APY*

$0 – 2,499.99

0.100%

0.100%

$2,500 – 4,999.99

0.250%

0.250%

$5,000 – 24,999.99

0.650%

0.650%

$25,000 – 59,999.99

0.850%

0.850%

$60,000+

0.897%

0.897%

Coverdell Savings
$0+ 0.500% 0.500%
APY= Annual Percentage Yield   Disclosures

 

Health Savings Account (HSA)
$0 – 2,499.99 $2,500 – 9,999.99 $10,000+
Rate APY* Rate APY* Rate APY*

0.100%

0.100%

0.250%

0.250%

0.750%

0.750%

APY= Annual Percentage Yield   Disclosures

 

Jump Start Youth Savings Rates
Tier 1: $0 - $500 Tier 2: $500.01*
Rate APY* Rate APY*

4.900%

5.000%

0.050%

5.00% to 2.531%

APY= Annual Percentage Yield   Disclosures
*The 0.050% rate applies to portion of balance over $500. The APY ranges from 5.00% to 2.531% depending on the balance**. **If your daily balance is greater than $500, your annual percentage yield will range from 5.00% to 2.531% depending on the balance of your account. The APY range for Tier 2 assumes a minimum balance of $500.01 and a maximum balance of $1,000.

 

Holiday Club
$50.00+
Rate APY*

0.200%

0.200%

APY= Annual Percentage Yield   Disclosures
*The 0.050% rate applies to portion of balance over $500. The APY ranges from 5.00% to 2.531% depending on the balance**. **If your daily balance is greater than $500, your annual percentage yield will range from 5.00% to 2.531% depending on the balance of your account. The APY range for Tier 2 assumes a minimum balance of $500.01 and a maximum balance of $1,000.
 

 

BUSINESS PRODUCT LINE RATES

Effective Date: July 1, 2014
APY= Annual Percentage Yield