Rates

Fee Schedule

 

LOAN RATES

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

Loan Type Term APR*
First Mortgage Up to 360 months Contact WCU for terms
New Autos (current and previous year) Up to 42 months 2.04%
Up to 66 months 2.54%
Up to 90 months 3.29%
Late Model Pre-Owned Vehicles (2018 and newer) Up to 42 months 2.04%
Up to 66 months 2.54%
Up to 90 months 3.29%
Older Models (2013-2017 model year, additional rate add-on for 2012 model year and earlier) Up to 42 months 2.54%
Up to 66 months 3.54%
Up to 90 months 4.29%
Motorcycles, Jet Skis & ATV Vehicles Up to 42 months 2.49%
Up to 78 months 3.74%
Motorhome, Travel Trailers, Campers & Yachts Up to 48 Months 4.75%
Up to 180 months 6.50%
Boats Under 30 ft Up to 48 Months 4.60%
Up to 120 months 5.85%
Tractors and Horse Trailers (Maximum Loan Amount: $30,000) Up to 48 months 2.49%
Up to 72 months 3.24%
Share Secured Loan Contact WCU for terms Contact WCU for terms
Lifestyle Loan/Signature Loan Up to 12 months 9.24%
Up to 72 months 10.99%
EZ$ Loan Contact WCU for terms Contact WCU for terms
Personal Line of Credit
(Min. Loan Amount: $500; Max. Loan Amount: $20,000)
Revolving 9.75%
VISA Rewards
Disclosures
Revolving 8.90%
2.99% Intro rate for 6 months
VISA Platinum
Disclosures
Fixed 9.90%
Up To 100% CLTV Home Equity Loan [Fixed Rate] ** Up to 180 months 4.25%
Home Equity Line of Credit [Variable Rate]**  Up to 180 months 3.25%


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 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

Type Rate APY
$100 – 999.99 0.010% 0.010%
$1,000 – 9,999.99 0.010% 0.010%
$10,000 + 0.010% 0.010%

APY= Annual Percentage Yield    disclosures

 

 

CERTIFICATE RATES

Effective Date: October 19, 2020
APY= Annual Percentage Yield

Type Term Rate APY
$500 - 9,999.99 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%
$10,000 - 19,999.99 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%
Type Term Rate APY
$20,000 - 49,999.99 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%
$50,000 - 99,999.99 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%
Type Term Rate APY
$100,000 + 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

Type 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

 

 


GO GREEN CHECKING RATES

Type Rate APY
Tier 1: $0 - $25,000 0.500% 0.501%
Tier 2: $25,000.01+ 0.050% 0.501% - 0.276%
Requirement Not Met 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

Type Rate APY
$1000+ 0.050% 0.050%

APY= Annual Percentage Yield   disclosures

 

MONEY MARKET RATES

(Minimum opening deposit is $100.00, minimum to earn dividends below)

Type 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)

Type 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

Type 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

Type Rate APY
$0+ 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 2.472% 2.500%
$500.01 0.020% 2.50% to 1.260%

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+ 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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