Loan Rates

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 2024-2025	3.75%	4.00%	4.25%	4.50%	5.50%
Used 2023-2024	3.75%	4.00%	4.25%	4.50%	N/A
Used 2020-2022	4.75%	5.00%	5.25%	5.75%	N/A
Used 2019 & 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 2024-2025	6.00%	6.25%	6.75%	7.25%	7.75%
Used 2022-2024	6.25%	6.50%	7.00%	7.50%	N/A
Used 2019-2021	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
	6.25% APR*

Mortgage Loans

Up to 80% LTV	Available Terms of 10, 15, and 20 Years
	Rates vary daily.  Please Contact Tammy at the Meridian 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
	7.25% APR* (Prime - .25%)

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.  The lower your credit score, the higher your interest rate.

** 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 12/27/2024 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.