Competitive rates on all deposits and loans — make the most of your money by saving better and borrowing smarter.
Rates Business Rates |
Effective as of 05/11/2012 Auto Loans | All Model Year Vehicles | 0-84 Months+ | As low as 2.79% APR* |  | | Mortgage Loans | 80% Loan to Value - $120,000 Loan Amount | 3.750% | 3.977% | | For a detailed rate quote go to our mortgage web site | | Home Master Equity Loan | Closed End Fixed | Up to 120 Months++ | As Low As 5.50% APR* | | Closed End Fixed | 121 - 180 Months+++ | As Low As 5.75% APR* | | Line Of Credit Variable** | Open-end | As Low As 4.00% APR* | Credit Cards | | As Low As 6.25% APR*
(Variable Prime^^^
plus 3%^^^^) | 11.9% APR* | RVs and Boats | $0- $25,000 | 0-84 Months++++ | As Low As 4.99% APR* | | $25,001 - $100,000 | 85-144 Months+++++ | As Low As 5.79% APR* | Signature Loan | Signature Loan | 0-60 Months++++++ | As low as 9.99% APR* | Motorcycles | All Model Years | 0-84 Months+++++++ | As low as 5.79% APR* | Secondary Share | Average daily balance is $0.01 to $500.00 | 0.10% | 0.10% | | $500.01 and higher | 0.10% | 0.10% | | click for more info | | Qualifying TrueSaver Shares $0.01 to $500.00 | 4.89% | 5.00% | | All TrueSaver Shares $500.01 and higher | 0.10% | click for more info | | Non-qualifying TrueSaver Shares $0.01 to $500.00 | 0.10% | 0.10% | EasySaver Share | Average daily balance is $0.01 to $500.00 | 0.10% | 0.10% | | $500.01 and higher | 0.10% | 0.10% | | click for more info | Checking with Dividends | Average Daily Balance is $0.01 to $9,999.99 | 0.05% | 0.05% | | $10,000 to $24,999.99 | 0.05% | 0.05% | | $25,000.00 and higher | 0.10% | 0.10% | | click for more info | Select Checking with Dividends | Average Daily Balance is $1,000 and higher | 0.05% | 0.05% | | click for more info | Club Accounts | Daily Balance is $0.01 and higher | 0.10% | 0.10% | | click for more info | Personal Capital Money Market | Daily Balance is $100.00 to $2,499.99 | 0.10% | 0.10% | | $2,500.00 to $49,999.99 | 0.10% | 0.10% | | $50,000.00 and higher | 0.20% | 0.20% | | click for more info | Share Certificates | $500 6-11 month | 0.25% | 0.25% | | $500 12-17 month | 0.55% | 0.55% | | $500 18-23 month | 0.60% | 0.60% | | $500 24-35 month | 0.80% | 0.80% | | $500 36-47 month | 1.09% | 1.10% | | $500 48-59 month | 1.49% | 1.50% | | $500 60-71 month | 1.88% | 1.90% | | $500 72 month | 2.13% | 2.15% | | $100,000 6-11 month | 0.35% | 0.35% | | $100,000 12-17 month | 0.65% | 0.65% | | $100,000 18-23 month | 0.70% | 0.70% | | $100,000 24-35 month | 0.90% | 0.90% | | $100,000 36-47 month | 1.19% | 1.20% | | $100,000 48-59 month | 1.59% | 1.60% | | $100,000 60-71 month | 1.98% | 2.00% | | $100,000 72 month | 2.23% | 2.25% | Health Savings Accounts—more info | HSA Enhanced $0.01 to $500.00 | 4.89% | 5.00% | | HSA Enhanced $500.01 and Higher | 2.47% | click for more info | | HSA Basic $0.01 and Higher | 2.47% | 2.50% | Balance Builder Certificate ($0 Minimum Deposit) Single Deposit IRA Share Certificate | $500 6-11 month | 0.25% | 0.25% | | $500 12-17 month | 0.55% | 0.55% | | $500 18-23 month | 0.60% | 0.60% | | $500 24-35 month | 0.80% | 0.80% | | $500 36-47 month | 1.09% | 1.10% | | $500 48-59 month | 1.49% | 1.50% | | $500 60-71 month | 1.88% | 1.90% | | $500 72 month | 2.13% | 2.15% | | $100,000 6-11 month | 0.35% | 0.35% | | $100,000 12-17 month | 0.65% | 0.65% | | $100,000 18-23 month | 0.70% | 0.70% | | $100,000 24-35 month | 0.90% | 0.90% | | $100,000 36-47 month | 1.19% | 1.20% | | $100,000 48-59 month | 1.59% | 1.60% | | $100,000 60-71 month | 1.98% | 2.00% | | $100,000 72 month | 2.23% | 2.25% | Add-on IRA Share Certificates | $100 fixed (18 month) | 0.60% | 0.60% | | $100 variable (18 month) | 0.40% | 0.40% | | $100,000 fixed | 0.70% | 0.70% | | $100,000 variable | 0.50% | 0.50% | | Average Daily Balance is $0.01 to $500.00 | 4.89% | 5.00% | | $500.01 and higher | 0.10% | click for more info | |
*APR=Annual Percentage Rate. Actual rate based on credit history. ** Annual Percentage Rate. Actual rate based on age of collateral, term of loan, credit history and loan-to-value. @Penalty may be imposed for early withdrawal. ***APY=Annual Percentage Yield ^Must reach $300 minimum within 6 months of opening. If minimum isn't met within 6 months, WPCU will close Certificate and transfer funds, less all dividends earned, to WPCU savings account. ^^$10,000 Minimum and 2006 or newer model year required for 61 month or greater. +48 monthly payments of $22.36 per $1,000 borrowed. ++48 monthly payments of $23.27 per $1,000 borrowed. +++48 monthly payments of $23.38 per $1,000 borrowed. ++++48 monthly payments of $23.03 per $1,000 borrowed. +++++48 monthly payments of $23.39 per $1,000 borrowed. Competitive rates available for older models ++++++48 monthly payments of $25.36 per $1,000 borrowed. +++++++48 monthly payments of $23.84 per $1,000 borrowed. ^^^The U.S. Prime Rate used to determine APRs for each billing cycle is the highest rate appearing in the Wall Street Journal on the last publication date of the calendar month that ends within the billing cycle. On 9/30/09, the U.S. Prime Rate was 3.25%. ^^^^See Terms and Conditions for rate, fee and other cost information. All terms, including the APRs and fees, are subject to change at any time, in accordance with the Credit Card Agreement and applicable law.