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Rates

​Rates subject to change.

​​​​¹For All Savings Accounts Listed: The Annual Percentage Yields (APY’s) shown are as of the last dividend declaration date of March 18, 2021. Please contact the Credit Union for current rate and account information. These accounts are variable rate accounts, and the APYs may change after the account is opened. Fees may reduce earnings. All stated minimum deposits to open are in addition to the purchase of one $5.00 membership share required to be maintained in your TrueSaverTM account. The minimum deposit to open the True Saver is $5.00. T​he minimum deposit to open the Personal Capital Money Market Is $100.00. There is no minimum deposit to open the Secondary Share, EasySaver® Share, or Club Account. ​For additional account information, please see the Truth-in-Savings disclosure provided at account opening or linked below under “View Disclosures” and the select the applicable product.
True SaverTM: The applicable APY for qualified shares is paid in a Tiered Method, based on the average daily balance in the account for the dividend period. Dividends are paid at the stated APYs only on the portion of the balance within the specified balance tier. If you meet the rate qualifications, the first APY shown for “Qualifying Shares” will be paid only on the portion of your average daily balance that was greater than $0.00 but less than $500.01. If you do not meet the rate qualifications, the APY shown for “Non-qualifying Shares” will apply only on the portion of your average daily balance that was greater than $0.00 but less than $500.01. Both Qualifying and Non-qualifying Shares will be paid the APY shown for “$500.01 and Higher” only on the portion of your average daily balance that was $500.01 and greater. To earn the “Qualifying Shares” APY, you must meet the Rate Qualifications outlined in the Truth-In-Savings disclosure for the specific share type.​
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​​​​²​For All Share Certificates and IRA’s: The Annual Percentage Yields (APY’s) shown are accurate as of the last declaration date of March 18, 2021. The applicable APY is paid on the entire balance of your account. Except for the Variable Rate Add-On IRA, these accounts are fixed rate accounts. A penalty may be imposed for early withdrawal. All stated​ minimum deposits to open are in addition to the purchase of one $5.00 membership share required to be maintained in your TrueSaverTM​ or Business Share account. For additional account information, please see the Truth-in-Savings disclosure provided at account opening or linked below under “View Disclosures” and the select the applicable product.​
The Variable Rate Add-On IRA is a variable rate account and the APYs may change after the account is opened.​


​​​​​​​​​³For All HSA Accounts Listed: The Annual Percentage Yields (APY’s) shown are as of the last dividend declaration date March 18, 2021. Please contact the Credit Union for current rate and account information. These accounts are variable rate accounts, and the APYs may change after the account is opened. Fees may reduce earnings. All stated minimum deposits to open are in addition to the purchase of one $5.00 membership share required to be maintained in your TrueSaverTM account. There is no minimum deposit to open the Health Savings Account (HSA). For additional account information, please see the Truth-in-Savings disclosure provided at account opening or linked below under “View Disclosures” and the select the applicable product.
HSA Enhanced: The applicable dividend rate for qualified shares is paid in a Tiered Method, based on the average daily balance in the account for the dividend period. Dividends are paid at the stated APYs only on the portion of the balance within the specified balance tier. If you meet the rate qualifications, the first APY shown for “Qualifying Shares” will be paid only on the portion of your average daily balance that was greater than $0.00 but less than $500.01. If you do not meet the rate qualifications, the APY shown ​for “Non-qualifying Shares” will apply only on the portion of your average daily balance that was greater than $0.00 but less than $500.01. Both Qualifying and Non-qualifying Shares will be paid the APY shown for “$500.01 and Higher” only on the portion of your average daily balance that was $500.01 and greater. To earn the “Qualifying Shares” APY, you must meet the Rate Qualifications outlined in the Truth-In-Savings disclosure for the specific share type.

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​​​​⁴​​For All Checking Accounts Listed: The Annual Percentage Yields (APY’s) shown are as of the last dividend declaration date of March 18, 2021. Please contact the Credit Union for current rate and account information. These accounts are variable rate accounts,and the APYs may change after the account is opened. Fees may reduce earnings. All stated minimum deposits to open are in addition to the purchase of one $5.00 membership share required to be maintained in your TrueSaverTM account. The minimum deposit to open the Checking with Dividends Account is $1,000.00. New Select Checking with Dividends accounts are not available to open.​​​ For additional account information, please see the Truth-in-Savings disclosure provided at account opening or linked below under “View Disclosures” and the select the applicable product.​


​​​​​⁵​​For All Business Savings and Checking Accounts: The Annual Percentage Yields (APY’s) shown are accurate as of the last dividend declaration date of March 18, 2021. Please contact the Credit Union for current rate and account information. These accounts are variable rate accounts, and the APYs may change after the account is opened. Fees may reduce earnings. All stated minimum deposits to open are in addition to the purchase of one $5.00 membership share required to be maintained in your Business Share account. The minimum deposit to open the Business Share is $5.00. The minimum deposit to open the Business Money Market Savings and the Dividend Choice/Mission Based Checking is $100.00. There is no minimum deposit to open the Secondary Business Share.


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​​​⁶​Annual Percentage Rates (APRs) are accurate as of 5/28/2021 and are dependent upon creditworthiness, loan amount, loan term, and age of collateral. Auto loan APRs range from 2.49% APR to 14.59% APR with loan terms up to 84 months. Motorcycle loan APRs range from 3.39% APR to 17.39% APR with loan terms up to 84 months. RV/Boat loan APRs range from 4.59% APR to 17.39% APR with loan terms up to 144 months. For auto and motorcycle loans: Loan amounts up to $7,999 have a maximum term of 63 months. Loan amounts of $8,000-$17,999 have a maximum term of 75 months. Loan amounts of $18,000 or more have a maximum term of 84 months. Autos and motorcycles whose collateral age is 2015 or older have a maximum term of 75 months. Autos and motorcycles whose collateral age is 2016 or newer have a maximum term of 84 months. For RV/boat loans: Loan amounts up to $19,999 have a maximum term of 84 months. Loan amounts of $20,000 or more have a maximum term of 144 months. For all types of vehicles, loan terms of 64-75 months require a minimum loan amount of $8,000, and loan terms 76 months or longer require a minimum loan amount of $18,000. Maximum loan amount is $250,000 – Requires WPCU management approval. All payment examples below are for 2019 or newer vehicles. Auto Loan Payment Example: loan amount of $21,500 and term of 60 months (5 years) at 2.49% APR will have a monthly payment of $381.50. The example disclosed above is for our highest qualified borrowers. Motorcycle Loan Payment Example: loan amount of $12,000 and term of 60 months at 6.09% APR will have a monthly payment of $232.53. RV/Boat Loan Payment Example​: loan amount of $23,000 and term of 60 months at 8.39% APR will have a monthly payment of $470.74. Other rates, terms, payments, and loan amounts are available. Loans are subject to membership eligibility, credit approval and collateral conditions. Loan amount financed greater than $5,000 requires full coverage auto insurance.​

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⁷​​APR = Annual Percentage Rate​​​​
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