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Rates

 

LOAN RATES

Effective Date: July 30, 2018 
Loan rates subject to change without notice
APR=Annual Percentage Rate
* As low as
Loan Type Repayment Term APR*
First Mortgage Up to 360 months Visit the Daily Rates Page
New Autos (current and previous year) Up to 42 months As low as 3.49%
Up to 66 months As low as 3.74%
Up to 90 months As low as 5.29%
Used Auto Up to 42 months As low as 3.49%
Up to 66 months As low as 3.74%
Up to 90 months As low as 5.29%
Motorcycles, Scooters, Jet Skis & ATV Vehicles Up to 48 months As low as 4.99%
Up to 72 months As low as 6.99%
Motorhome, Travel Trailers, Campers & Yachts Up to 48 Months As low as 4.75%
Up to 120 months As low as  6.74%
Boats Under 30 ft Up to 48 Months As low as 4.99%
Up to 120 months As low as 6.50%
Tractors and Horse Trailers (Maximum Loan Amount: $30,000) Up to 48 months As low as 6.99%
Up to 60 months As low as 7.99%
Share Secured Loan Contact WCU for terms Contact WCU for terms
Lifestyle Loan/Signature Loan Up to 72 months As low as 10.20%
Instant 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 11.25%
VISA Rewards
See disclosures
Revolving As low as 10.90%
As low as 2.99% Intro rate for 6 months
VISA Platinum
See disclosures
Fixed As low as 9.90%
Up To 100% CLTV Home Equity Loan [Fixed Rate] ** Up to 180 months As low as 6.50%
Home Equity Line of Credit [Variable Rate]**  Up to 180 months As low as 5.25%


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 5.25% APR as of September 27, 2018) 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 – 8.50% APR) will be added to your current index rate. As of September 27, 2018, the Variable Annual Percentage Rate for Home Equity Lines of Credit ranged from 5.25% APR – 12.00% 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: 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

Find out about our special Here and Now Certificate Rates at waunafcu.org/accounts/investment

Effective Date: May 21, 2018
APY= Annual Percentage Yield

Certificate Type $500 - 9,999.99 $10,000 - 19,999.99
Term Rate APY* Rate APY*

3 month

0.050%

0.050%

0.150%

0.150%

6 month

0.200%

0.200%

0.350%

0.350%

12 month

0.300%

0.300%

0.450%

0.450%

18 month

0.35%

0.350%

0.500%

0.500%

24 month

0.850%

0.850%

1.000%

1.005%

36 month

0.900%

0.900%

1.050%

1.055%

48 month

0.950%

0.950%

1.100%

1.106%

60 month

1.050%

1.055%

1.200%

1.207%

Certificate Type $20,000 - 49,999.99 $50,000 - 99,999.99
Term Rate APY* Rate APY*

3 month

0.200%

0.200%

0.250%

0.250%

6 month

0.450%

0.450%

0.500%

0.500%

12 month

0.550%

0.550%

0.600%

0.600%

18 month

0.600%

0.600%

0.650%

0.650%

24 month

1.100%

1.106%

1.150%

1.156%

36 month

1.150

1.156

1.200%

1.207%

48 month

1.200%

1.207%

1.250%

1.257%

60 month

1.300%

1.308%

1.350%

1.358%

Certificate Type $100,000 +
Term Rate APY*

3 month

0.250%

0.250%

6 month

0.500%

0.500%

12 month

0.600%

0.600%

18 month

0.650%

0.650%

24 month

1.200%

1.207%

36 month

1.250%

1.257%

48 month

1.300%

1.308%

60 month

1.500%

1.510%

APY= Annual Percentage Yield.    Disclosures
 
Certificates Term Rate APY*
Youth Savers Certificate
(Opening Balance $5)
18 months 0.25% 0.250%
Savers Certificate*
(Opening Balance $100)
18 months 0.250% 0.250%
APY= Annual Percentage Yield    disclosures

 

Bump Rate Certificates $500 - 9,999.99 $10,000 - 19,999.99
Term Rate APY* Rate APY*

18 month

0.350%

0.35%

0.500%

0.500%

24 month

0.850%

0.850%

1.000%

1.005%

36 month

0.900%

0.900%

1.050%

1.055%

48 month

0.950%

0.950%

1.100%

1.106%

60 month

1.050%

1.055%

1.200%

1.207%

Bump Rate Certificates $20,000 - 49,999.99 $50,000 - 99,999.99
Term Rate APY* Rate APY*

18 month

0.600%

0.600%

0.650%

0.650%

24 month

1.100%

1.106%

1.150%

1.156%

36 month

1.150%

1.156%

1.200%

1.207%

48 month

1.200%

1.207%

1.250%

1.257%

60 month

1.300%

1308%

1.350%

1.358%

Bump Rate Certificates $500 - 9,999.99
Term Rate APY*

18 month

0.650%

0.650%

24 month

1.200%

1.207%

36 month

1.250%

1.257%

48 month

1.300%

1.308%

60 month

1.500%

1.510%

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*

1.500%

1.510%

0.100%

1.51% - 0.805%

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

0.150%

0.150%

$25,000 – 49,999.99

0.200%

0.200%

$50,000 – 74,999.99

0.250%

0.250%

$75,000 – 99,999.99

0.300%

.0300%

$100k – 249,999.99

0.450%

0.451%

$250,000+

0.500%

0.501%

 
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

0.250%

0.250%

$75,000 – 149,999.99

0.450%

0.451%

$150,000 – 249,999.99

0.800%

0.803%

$250,000+

1.500%

1.510%

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 – 99,999.99

1.150%

1.155%

$100,000 – 124,999.99

1.250%

1.256%

$125,000+

1.500%

1.500%

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.
 

 

Escrow Savings Rate and Terms
$0.00+
Rate APY*

0.900%

0.903%

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

 

Business Product Line Rates