Skip to main content

Rates & Fees

Vehicle Loans:  Cars, Trucks, Motorcycles
Type 36 mos APR* as low as 48 mos APR* as low as 60 mos APR* as low as 72 mos APR* as low as 84 mos** APR*
as low as
New 2025-2026 3.75% 4.00% 4.25% 4.50% 5.50%
Used 2024-2025 3.75% 4.00% 4.25% 4.50% N/A
Used 2021-2023 4.75% 5.00% 5.25% 5.75% N/A
Used 2020 & older 5.25% 5.50% 5.75% N/A N/A
Recreational Vehicle Loans:  Boats, Campers, Motorhomes, ATVs
Type 36 mos APR* as low as 48 mos APR* as low as 60 mos APR* as low as 72 mos APR* as low as 84 mos** APR*
as low as
New 2025-2026 6.00% 6.25% 6.75% 7.25% 7.75%
Used 2023-2025 6.25% 6.50% 7.00% 7.50% N/A
Used 2020-2022 7.00% 7.25% 7.75% N/A N/A
Personal Loan 
Up to $5,000 per signature Terms of 12 to 60 Months as low as
  9.50% APR*
Share Secured Loans
Current Master Share Dividend Rate Plus 4.00% Terms of 12 to 60 Months
  5.50% APR*

APR equals the Master Share Dividend Rate in effect at the time of loan closing plus 4.00%. The rate is fixed for the term of the loan.

Mortgage Loans
Up to 80% LTV Available Terms of 10, 15, and 20 Years
 

Mortgage rates and APRs can vary daily based on market conditions and borrower qualifications.  Please contact Tammy at the Main Office for more information. 
Fixed Rate Home Equity Loan:  Up to 80% LTV.  $10,000 - $200,000
Type 60 mos APR*
as low as		 96 mos APR*
as low as		 120 mos APR*
as low as
  5.00% 5.25% 5.50%

 

Home Equity Line of Credit - Variable Rate
Up to 80% LTV.  5-Year Draw Period and 15- Year Payback Period 5-Year Draw Period and 15-Year Payback Period
  6.75% APR* (Prime - .25%)

Rate is variable and subject to change based on the Prime Rate.

Apply for a Loan

* APR is the annual percentage rate.  Rates listed above are the lowest rates possible.  Approved loan rates are based upon credit score and other underwriting factors.  Rates and terms may vary based on loan amount, collateral, and term selected.   

** 84 month new auto loans must be greater than $25,000.  84 month new RV loans must be greater than $35,000.

Rates are current as of 2/1/2026 and are subject to change without notice. Contact the Credit Union for current rates, terms and details. All loans subject to member qualification.  Existing WCTFCU loans are not eligible for refinance.

The dividend rates and corresponding annual Percentage yields disclosed below are subject to change without notice.

Master Share Savings
Effective 2/1/2026         Dividend Rate APY
       1.49%   1.50%

Dividends are compounded daily and paid monthly.  A minimum balance of $5 is required to maintain membership.  Members must maintain a minimum daily balance of $100 to obtain the disclosed annual percentage yield.  If a balance of less than $100 is maintained, there is no penalty, but dividends are not paid on the account. 

Sub Share Savings
Effective 2/1/2026       Dividend Rate         APY           
        1.49%           1.50%         

Dividends are compounded daily and paid monthly.  No minimum balance is required to open the account.  No fees are assessed on this account.   

Share Draft/Checking
Effective 2/1/2026 Dividend Rate APY
       1.49%   1.50%

Dividends are compounded daily and paid monthly.  The Share Draft account earns dividends on balances over $250.  If a balance of less than $250 is maintained, there is no penalty, but dividends are not paid on the account.  There are no per transaction or minimum balance fees charged.  See our Fee Schedule for applicable fees

Term Share Certificates (CDs)
Effective 2/1/2026 Term Dividend Rate APY
  12 Months   1.49% 1.50%
  24 Months   1.982% 2.00%
  36 Months   1.982% 2.00%

Dividends are compounded monthly and paid monthly or on maturity.  Minimum balance of $1,000 is required to open and maintain a certificate account.  Once a certificate is opened, no additions can be made until maturity.  Early Withdrawal Penalty – The penalty we may impose is 5% of the amount withdrawn. The APYs assume that dividends are retained in the certificate. 

Holiday Club
Effective 2/1/2026 Dividend Rate APY
     1.49%    1.50%

Dividends are compounded daily and paid monthly.  No minimum balance is required to open the account.  No fees are assessed on this account. The full balance is disbursed in October each year. 

Money Market
Effective 2/1/2026        Dividend Rate APY
    1.736%          1.75%       
 

Dividends are compounded daily and paid monthly.  No minimum balance is required to open the account; however, dividends are earned only on balances over $2,500.  If a balance of less than $2,500 is maintained, there is no penalty, but dividends are not paid on the account.

Dividend Rate: The annual rate of dividend paid on an account.
Annual Percentage Yield (APY): The effective annual rate of return taking into account the effect of compounding.
Fees may reduce earnings on accounts.
Rates and APYs are subject to change at any time as determined by the Board of Directors.

Complimentary Services Fee  
ATM Transactions at WCTFCU-Owned ATMs Free
ATM Transactions at Non-WCTFCU Owned ATMs* Free
eStatements (electronic account statements) Free
First Box of Checks - New Checking Account   Free
Home Equity Line of Credit Checks Free
Money Market Checks Free
Digital Banking and BillPay Free
Digital Banking Check Copies Free
Teller Transactions Free

*WCTFCU will not charge you to use your card at ATMs not owned by WCTFCU.  A usage fee may be charged by the institution owning that machine.  To avoid fees of any kind, we recommend using WCTFCU machines or those located at Sheetz, Rutters, WaWa, and Royal Farms. 

Account Basics Fee
Account Closed within 30 Days of Opening $20
Account Maintenance Upon Member Request (1 hour mininum/per hour fee)
•  Account Balancing Assistance     •  Account Research		 $20

Dormant Account Fee (per year)
One year in which no withdrawals or deposits, other than credit dividends were    
posted to the account.  The fee will be assessed up to the available balance in the
account. If the available balance is less than $25, the remaining balance will be
assessed and the account will be closed.

 $25
Levies & Garnishments $25
Nonsufficient Funds - Force Post ATM/Debit $15
Nonsufficient Funds - Draft $25
Overdraft (each overdraft paid) $25
Replacement ATM/Debit Card $8
Return Deposit Item $15
Stop Payments (Drafts and ACH) $20
Stop Payments (Official Credit Union Check) $35
Money Orders $0.50
Copy of Draft $15
Replacement Lock Box Key (each) $15
Wire Transfers Fee
Domestic Wire Transfer (Outgoing) $8
International Wire Transfer (Outgoing) $30

Effective 02/01/2026

Fees are subject to change upon proper notice as required by law.