Rates

Fee Schedule

 

LOAN RATES

Effective Date: June 28, 2021
Loan rates subject to change without notice
APR=Annual Percentage Rate

First Mortgage Up to 360 months Contact WCU for terms
New Autos (current and previous year) Up to 42 months As low as 2.04% APR*
Up to 66 months As low as 2.54% APR*
Up to 90 months As low as 3.29% APR*
Late Model Pre-Owned Vehicles (2017 and newer) Up to 42 months As low as 2.04% APR*
Up to 66 months As low as 2.54% APR*
Up to 90 months As low as 3.29% APR*
Older Models (2012-2016 model year, additional rate add-on for 2011 model year and earlier) Up to 42 months As low as 2.54% APR*
Up to 66 months As low as 3.54% APR*
Up to 90 months As low as 4.29% APR*
Motorcycles, Jet Skis & ATV Vehicles Up to 42 months As low as 2.49% APR*
Up to 78 months As low as 3.74% APR*
Motorhome, Travel Trailers, Campers & Yachts Up to 48 Months As low as 4.75% APR*
Up to 180 months As low as 6.50% APR*
Boats Under 30 ft Up to 48 Months As low as 4.60% APR*
Up to 120 months As low as 5.85% APR*
Tractors and Horse Trailers (Maximum Loan Amount: $30,000) Up to 48 months As low as 2.49% APR*
Up to 72 months As low as 3.24% APR*
Share Secured Loan Contact WCU for terms Contact WCU for terms
Lifestyle Loan/Signature Loan Up to 12 months As low as 9.24% APR*
Up to 72 months As low as 10.99% APR*
EZ$ Loan Contact WCU for terms Contact WCU for terms
Personal Line of Credit
(Min. Loan Amount: $500; Max. Loan Amount: $20,000)
Revolving As low as 9.75% APR*
VISA Rewards
Disclosures
Revolving As low as 8.90% APR*
As low as 2.99% APR* Intro rate for 6 months
VISA Platinum
Disclosures
Fixed As low as 9.90% APR*
Up To 100% CLTV Home Equity Loan [Fixed Rate] ** Up to 180 months As low as 4.25% APR*
Home Equity Line of Credit [Variable Rate]**  Up to 180 months As low as 3.25% APR*


Rates and terms offered are subject to change. Please contact us for complete details on interest rates and how your rate is determined. 

This Loan Rates page is informational only. Complete details regarding all loan types, terms, etc. are available upon request – and will be provided during all member application process. Rates and terms are subject to change. Please contact Wauna Credit Union for complete details for loan rates, terms, fees, and how individual loan terms are determined. Please contact Wauna Credit Union or view member eligibility qualifications here.
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 f 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. A $35 Annual Fee will be waived if the Total Finance Charges paid during the previous 12 months is equal to or exceeds $35. 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 3.25% APR as of March 10, 2020) 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 March 16, 2020, the Variable Annual Percentage Rate for Home Equity Lines of Credit ranged from 4.25% APR – 13.50% APR). Home equity loans may qualify for tax deductible interest. Consult with your tax adviser 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.

 


SAVINGS/SHARE ADVANTAGE RATES

Effective Date: November 1, 2020
APY= Annual Percentage Yield

$100 – 999.99

$1,000 – 9,999.99

$10,000 +

Rate APY Rate APY Rate APY

0.010%

0.010%

0.010%

0.010%

0.010%

0.010%

APY= Annual Percentage Yield    disclosures

 

 

CERTIFICATE RATES

Effective Date: October 19, 2020

APY= Annual Percentage Yield

Certificate Type

$500 - 9,999.99

$10,000 - 19,999.99

Term

Rate

APY

Rate

APY

3 month

 0.020%

0.020%

0.020%

0.020%

6 month

0.050%

0.050%

0.050%

0.050%

12 month

0.070%

0.070%

0.070%

0.070%

18 month

0.100%

0.100%

0.100%

0.100%

24 month

0.150%

0.150%

0.150%

0.150%

36 month

0.200%

0.200%

0.200%

0.200%

48 month

 0.200%

0.200%

 0.200%

0.200%

60 month

 0.200%

0.200%

0.200%

 0.200%

Certificate Type

$20,000 - 49,999.99

$50,000 - 99,999.99

Term

Rate

APY*

Rate

APY*

3 month

0.020%

0.020%

0.020%

0.020%

6 month

0.050%

0.050%

0.050%

0.050%

12 month

0.070%

0.070%

0.070%

0.070%

18 month

0.100%

0.100%

0.100%

0.100%

24 month

0.150%

0.150%

0.150%

0.150%

36 month

0.200%

0.200%

0.200%

0.200%

48 month

0.200%

0.200%

0.200%

0.200%

60 month

0.200%

0.200%

0.200%

0.200%

Certificate Type

$100,000 +

Term

Rate

APY

3 month

0.020%

0.020%

6 month

0.050%

0.050%

12 month

0.070%

0.070%

18 month

0.100%

0.100%

24 month

0.150%

0.150%

36 month

0.200%

0.200%

48 month

0.200%

0.200%

60 month

0.200%

0.200%

APY= Annual Percentage Yield.    Disclosures

Certificates

Term

Rate

APY

Youth Savers Certificate
(Opening Balance $5)
18 months 0.250% 0.250%
Savers Certificate*
(Opening Balance $100)
18 months 0.250% 0.250%

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*

0.500%

0.501%

0.050%

0.501% - 0.276%

0.000%

0.000%

APY= Annual Percentage Yield   disclosures
*To earn a rate greater than 0%, the requirements that must be met each requirement cycle, which begins the first day of the month and ends the last day of the month, are: Active enrollment in eStatements; Login to Online Banking; One (1) electronic deposit or withdrawal (ACH), and Twelve (12) cleared Debit Card Transactions. If the requirements are not met, you will earn 0.00% APY on your checking balance.
*The Tier 2 APY range is based on a minimum account balance of $25,000.01 and a maximum account balance of $50,000.

 

PREMIER AND SENIOR 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 – 39,999.99

0.050%

0.050%

$40,000 – 49,999.99

0.050%

0.050%

$50,000 – 74,999.99

0.100%

0.100%

$75,000 – 99,999.99

0.100%

0.100%

$100k – 249,999.99

0.100%

0.100%

$250,000+

0.100%

0.100%

ELITE MONEY MARKET RATES 
(Minimum opening deposit is $100.00, minimum to earn dividends and Account Limitations below)

Balance

Rate

APY

$25,000 – 74,999

0.100%

0.100%

$75,000 – 149,999.99

0.200%

0.200%

$150,000 – 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

0.050%

0.050%

$2,500 – 4,999.99

0.050%

0.050%

$5,000 – 24,999.99

0.050%

0.050%

$25,000 – 59,999.99

0.100%

0.100%

$60,000 – 99,999.99

0.150%

0.150%

$100,000 – 124,999.99

0.250%

0.250%

$125,000+

0.450%

0.451%

Coverdell Savings

$0+

0.250%

0.250%

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

0.050%

0.050%

0.150%

0.150%

0.250%

0.250%

APY= Annual Percentage Yield   disclosures

 

Jump Start Youth Savings Rates

Tier 1: $0 - $500 Tier 2: $500.01
Rate APY Rate APY

2.472%

2.500%

0.020%

2.50% to 1.260%

APY= Annual Percentage Yield   disclosures
 

Holiday Club

$50.00+
Rate APY

0.100%

0.100%

APY= Annual Percentage Yield   disclosures
  

Escrow Savings Rate and Terms

 
$0.00+  
Rate APY

0.000%

0.000%

APY= Annual Percentage Yield   DISCLOSURES

 

BUSINESS PRODUCT LINE RATES

Effective Date: July 1,  2020
APY= Annual Percentage Yield

Business Product Rates

Business Product Line Fees

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