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 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 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
	6.50% 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.