Savings & Investment Rates

Tiered Rate Savings Certificates

Effective Date: 09/03/2019

Term
Dividend Rate / APY
$1,000 to $9,999.99
Dividend Rate / APY
$10,000 to $49,999.99
Dividend Rate / APY
$50,000 to $98,999.99
Dividend Rate / APY
Balance $99,000 and over
3 months
Dividend Rate / APY
$1,000 to $9,999.99
0.15% / 0.15%
Dividend Rate / APY
$10,000 to $49,999.99
0.25% / 0.25%
Dividend Rate / APY
$50,000 to $98,999.99
0.25% / 0.25%
Dividend Rate / APY
Balance $99,000 and over
0.25% / 0.25%
6 months
Dividend Rate / APY
$1,000 to $9,999.99
0.30% / 0.30%
Dividend Rate / APY
$10,000 to $49,999.99
0.35% / 0.35%
Dividend Rate / APY
$50,000 to $98,999.99
0.35% / 0.35%
Dividend Rate / APY
Balance $99,000 and over
0.35% / 0.35%
12 months
Dividend Rate / APY
$1,000 to $9,999.99
1.10% / 1.10%
Dividend Rate / APY
$10,000 to $49,999.99
1.10% / 1.10%
Dividend Rate / APY
$50,000 to $98,999.99
1.10% / 1.10%
Dividend Rate / APY
Balance $99,000 and over
1.10% / 1.10%
18 months
Dividend Rate / APY
$1,000 to $9,999.99
1.15 / 1.15%
Dividend Rate / APY
$10,000 to $49,999.99
1.15% / 1.15%
Dividend Rate / APY
$50,000 to $98,999.99
1.15% / 1.15%
Dividend Rate / APY
Balance $99,000 and over
1.15% / 1.15%
24 months
Dividend Rate / APY
$1,000 to $9,999.99
1.00% / 1.00%
Dividend Rate / APY
$10,000 to $49,999.99
1.00% / 1.00%
Dividend Rate / APY
$50,000 to $98,999.99
1.25% / 1.26%
Dividend Rate / APY
Balance $99,000 and over
1.25% / 1.26%
36 months
Dividend Rate / APY
$1,000 to $9,999.99
1.25% / 1.26%
Dividend Rate / APY
$10,000 to $49,999.99
1.25% / 1.26%
Dividend Rate / APY
$50,000 to $98,999.99
1.50% / 1.51%
Dividend Rate / APY
Balance $99,000 and over
1.50% / 1.51%
48 months
Dividend Rate / APY
$1,000 to $9,999.99
1.50% / 1.51%
Dividend Rate / APY
$10,000 to $49,999.99
1.50% / 1.51%
Dividend Rate / APY
$50,000 to $98,999.99
2.00% / 2.02%
Dividend Rate / APY
Balance $99,000 and over
2.00% / 2.02%
60 months
Dividend Rate / APY
$1,000 to $9,999.99
2.50% / 2.52%
Dividend Rate / APY
$10,000 to $49,999.99
2.50% / 2.52%
Dividend Rate / APY
$50,000 to $98,999.99
2.50% / 2.52%
Dividend Rate / APY
Balance $99,000 and over
2.50% / 2.52%
IRA Certificates

Effective Date: 11/14/19

Term
Dividend Rate / APY
Start Up: $50 to $999
Dividend Rate / APY
$1,000 to $9,999
Dividend Rate / APY
$10,000 to $49,999
Dividend Rate / APY
$50,000 to $98,999
Dividend Rate / APY
Balance of $99,000 and over
3 months
Dividend Rate / APY
Start Up: $50 to $999
0.10% / 0.10%

Members can open a 3 month IRA Certificate with as little as $50. Once the balance reaches $1,000, please call 800-300-9728 and ask for an upgrade to a longer term certificate at higher dividends. Early withdrawal subject to penalty.

6 months
Dividend Rate / APY
$1,000 to $9,999
0.30% / 0.30%
Dividend Rate / APY
$10,000 to $49,999
0.35% / 0.35%
Dividend Rate / APY
$50,000 to $98,999
0.35% / 0.35%
Dividend Rate / APY
Balance of $99,000 and over
0.35% / 0.35%
12 months
Dividend Rate / APY
$1,000 to $9,999
1.10% / 1.10%
Dividend Rate / APY
$10,000 to $49,999
1.10% / 1.10%
Dividend Rate / APY
$50,000 to $98,999
1.10% / 1.10%
Dividend Rate / APY
Balance of $99,000 and over
1.10% / 1.10%
18 months
Dividend Rate / APY
$1,000 to $9,999
1.15% / 1.15%
Dividend Rate / APY
$10,000 to $49,999
1.15% / 1.15%
Dividend Rate / APY
$50,000 to $98,999
1.15% / 1.15%
Dividend Rate / APY
Balance of $99,000 and over
1.15% / 1.15%
24 months
Dividend Rate / APY
$1,000 to $9,999
1.00% / 1.00%
Dividend Rate / APY
$10,000 to $49,999
1.00% / 1.00%
Dividend Rate / APY
$50,000 to $98,999
1.25% / 1.26%
Dividend Rate / APY
Balance of $99,000 and over
1.25% / 1.26%
36 months
Dividend Rate / APY
$1,000 to $9,999
1.25% / 1.26%
Dividend Rate / APY
$10,000 to $49,999
1.25% / 1.26%
Dividend Rate / APY
$50,000 to $98,999
1.50% / 1.51%
Dividend Rate / APY
Balance of $99,000 and over
1.50% / 1.51%
48 months
Dividend Rate / APY
$1,000 to $9,999
1.50% / 1.51%
Dividend Rate / APY
$10,000 to $49,999
1.50% / 1.51%
Dividend Rate / APY
$50,000 to $98,999
2.00% / 2.02%
Dividend Rate / APY
Balance of $99,000 and over
2.00% / 2.02%
60 months
Dividend Rate / APY
$1,000 to $9,999
2.50% / 2.52%
Dividend Rate / APY
$10,000 to $49,999
2.50% / 2.52%
Dividend Rate / APY
$50,000 to $98,999
2.50% / 2.52%
Dividend Rate / APY
Balance of $99,000 and over
2.50% / 2.52%
Flexible Savings Certificate*

Effective Date: 11/14/19

Term
Dividend Rate
Annual Percentage Yield*
Minimum Balance
6 months
Dividend Rate
0.20%
Annual Percentage Yield*
0.20%
Minimum Balance
$5,000

*Three deposits per six month maturity period allowed. One in-branch (maximum $750) withdrawal per month allowed. Early withdrawal subject to penalty. Fees could reduce earnings. Minimum daily account balance of $5,000 required.

Savings & Interest-Bearing Checking Accounts

Effective Date: 05/01/2019

Product
Minimum Balance
Annual Percentage Yield*
Savings Account
Minimum Balance
$25
Annual Percentage Yield*
0.10%
Checking Account (Advantage accounts only)
Minimum Balance
* Refer to Schedule of Fees and Charges
Annual Percentage Yield*
0.05%
Holiday Savings Club**
Minimum Balance
$50
Annual Percentage Yield*
1.00%

* Fees or other conditions may reduce earnings on accounts. Rates on savings, money market, and checking are variable and subject to change after account opening. An early withdrawal may apply for term certificates. All rates are subject to change without notice. For fees, please refer to our Schedule of Fees and Charges.

** The Holiday Club dividend rate of 1.0% APY (annual percentage yield) will earn up to $5,000. Deposits above $5,000 will earn a dividend at the prevailing rate. Early withdrawal penalty applies to the Holiday Savings Club (a term share account). Membership in WPCCU is required to open the account. Members must maintain a $25 account balance in their primary savings account in addition to the Holiday Savings Club account.

Vehicle Loan Rates

Auto Loans

Effective Date: 11/18/2019

Terms
APR* (as low as) New Vehicle
Est. Payment Per $10,000
APR* (as low as) Used Vehicle
Est. Payment Per $10,000
36 months
APR* (as low as) New Vehicle
2.24%
Est. Payment Per $10,000
$287
APR* (as low as) Used Vehicle
2.24%
Est. Payment Per $10,000
$287
48 months
APR* (as low as) New Vehicle
2.49%
Est. Payment Per $10,000
$219
APR* (as low as) Used Vehicle
2.49%
Est. Payment Per $10,000
$219
60 months
APR* (as low as) New Vehicle
2.74%
Est. Payment Per $10,000
$179
APR* (as low as) Used Vehicle
2.74%
Est. Payment Per $10,000
$179
72 months
APR* (as low as) New Vehicle
2.99%
Est. Payment Per $10,000
$152
APR* (as low as) Used Vehicle
2.99%
Est. Payment Per $10,000
$152
84 months
APR* (as low as) New Vehicle
4.24%
Est. Payment Per $10,000
$138
APR* (as low as) Used Vehicle
4.24%
Est. Payment Per $10,000
$138

*APR: Annual Percentage Rate. 125% financing available. Individual rates may vary based on credit history. All Rates are On Approved Credit (OAC). Terms 73 months and above are not available for AUTO FICO score 639 and below. Representative example: A $20,000 new car loan financed at 2.74% APR for 60 months would result in 60 payments of $357.10. Other restrictions may apply. Rates are subject to change without notice.

RV Loans (New motorhomes and towable travel trailers)

Effective Date: 09/03/2019

Term
APR* as low as (new)
24 - 65 months
APR* as low as (new)
3.99%
66 - 72 months
APR* as low as (new)
3.99%
73-84 months
APR* as low as (new)
4.74%
85-120 months
APR* as low as (new)
5.99%
121 - 180 months
APR* as low as (new)
7.99%

*APR = Annual Percentage Rate. Actual rates may vary based on each member’s credit score and ability to pay. Projected payments are for example only and are not inclusive of all fees and costs. Representative Example: A New RV loan of $50,000 financed at 3.99% APR for 72 months would result in 72 payments of $782.03. Other rates and terms available. Rates subject to change without notice. Ask us about rates for Used RV loans.

90% financing available.

Personal Loan Rates

MasterCard Credit Cards

Effective Date: 11/14/19

Card Type
Maximum Limit
Variable APR*
Notes
Platinum Mastercard
Maximum Limit
$30,000
Variable APR*
9.74%-18.74%
Notes
Rate may change periodically based on Prime Rate as published in the Wall Street Journal
Platinum Cash Rewards Mastercard
Maximum Limit
$30,000
Variable APR*
13.74%-21.74%
Notes
Rate may change periodically based on Prime Rate as published in the Wall Street Journal
Personal Loan Products

Effective Date: 09/03/2019

Product
Term
APR* as low as
Notes
Signature Loan (Unsecured)
Term
12-60 months
APR* as low as
11.90%
Notes
Maximum amount $40,000
Representative Example: A $15,000 Signature Loan financed at 11.90% for 60 months would result in 60 monthly payments of $333.05

PowerPledge Secured Loan

Share Secured Loan
Term
12-120 months
APR* as low as
3.0% above current dividend rate
Certificate Secured Loan
APR* as low as
2.5% above certificate rate
Notes
Up to 90% of share balance. Term not to exceed maturity date. Loan balance due upon maturity/redemption.

PowerPledge Share Secured Loan up to 100% of share balance. Loan balance due upon share withdrawal. Representative Example: A $10,000 Secured Loan financed at 3.10% APR for 60 months would result in 60 monthly payments of $180.13.

Power Advance Loan

Effective Date: 09/03/2019

Loan Amount
Fees
Amt Received
Interest Rate
APR*
Term
$300
Fees
$30.00
Amt Received
$270
Interest Rate
18.00%
APR*
82.20%
Term
60 days
$400
Fees
$40.00
Amt Received
$360
Interest Rate
18.00%
APR*
82.20%
Term
60 days
$500
Fees
$50.00
Amt Received
$450
Interest Rate
18.00%
APR*
82.20%
Term
60 days

Fee plus interest and the term determine the APR for this loan. One payment will be due at loan maturity.

*APR = Annual Percentage Rate.