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Home > WPCCU Rates

 

Rates

Savings & Certificates

Home Loans

Vehicle Loans

Personal Loans

For schedule of fees and charges, click here >> 

For updated Home Loan Rates, please click here >>

Savings & Investment Rates

Tiered Rate Savings Certificates

Balance of $1,000 to $9,999
Effective Date: 07/01/18
TermDividend RateAnnual Percentage Yield*
3 months 0.15% 0.15%
6 months 0.30% 0.30%
12 months 0.75% 0.75%
18 months 0.75% 0.75%
24 months 1.00% 1.00%
36 months 1.25% 1.26%
48 months 1.50% 1.51%
60 months 1.75% 1.76%

Balance of $10,000 to $49,999
Effective Date: 07/01/18
TermDividend RateAnnual Percentage Yield*
3 months 0.25% 0.25%
6 months 0.35% 0.35%
12 months 0.75% 0.75%
18 months 0.75% 0.75%
24 months 1.00% 1.00%
36 months 1.25% 1.26%
48 months 1.50% 1.51%
60 months 1.75% 1.76%

Balance of $50,000 to $98,999
Effective Date: 09/19/18
TermDividend RateAnnual Percentage Yield*
3 months 0.25% 0.25%
6 months 0.35% 0.35%
12 months 0.75% 0.75%
18 months 0.75% 0.75%
24 months 1.00% 1.00%
36 months 1.25% 1.26%
48 months 1.50% 1.51%
60 months 1.75% 1.76%

JUMBO Savings Certificates: Balance of $99,000+
Effective Date: 09/19/18
TermDividend RateAnnual Percentage Yield*
3 months 0.25% 0.25%
6 months 0.35% 0.35%
12 months 0.75% 0.75%
18 months 0.75% 0.75%
24 months 1.00% 1.00%
36 months 1.25% 1.26%
48 months 1.50% 1.51%
60 months 1.75% 1.76%

IRA Certificates

Start Up IRA Certificates: Balance of $50 to $999*
Effective Date: 09/19/18
TermDividend RateAnnual Percentage Yield*
3 months 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.

IRA Certificates: Balance of $1,000 to $9,999
Effective Date: 09/19/18
TermDividend RateAnnual Percentage Yield*
6 months 0.30% 0.30%
12 months 0.75% 0.75%
18 months 0.75% 0.75%
24 months 1.00% 1.00%
36 months 1.25% 1.26%
48 months 1.50% 1.51%
60 months 1.75% 1.76%

IRA Certificates: Balance of $10,000 to $49,999
Effective Date: 09/19/18
TermDividend RateAnnual Percentage Yield*
6 months 0.35% 0.35%
12 months 0.75% 0.75%
18 months 0.75% 0.75%
24 months 1.00% 1.00%
36 months 1.25% 1.26%
48 months 1.50% 1.51%
60 months 1.75% 1.76%

IRA Certificates: Balance of $50,000 to $98,999
Effective Date: 09/19/18
TermDividend RateAnnual Percentage Yield*
6 months 0.35% 0.35%
12 months 0.75% 0.75%
18 months 0.75% 0.75%
24 months 1.00% 1.00%
36 months 1.25% 1.26%
48 months 1.50% 1.51%
60 months 1.75% 1.76%

IRA Certificates JUMBO: Balance of $99,000+
Effective Date: 09/19/18
TermDividend RateAnnual Percentage Yield*
6 months 0.35% 0.35%
12 months 0.75% 0.75%
18 months 0.75% 0.75%
24 months 1.00% 1.00%
36 months 1.25% 1.26%
48 months 1.50% 1.51%
60 months 1.75% 1.76%

Money Market Account*
Effective Date: 09/19/18
Balance of:Dividend RateAnnual Percentage Yield*
$0 to $2,499 0.00% 0.00%
$2,500 to $9,999 0.15% 0.15%
$10,000 to $24,999 0.20% 0.20%
$25,000 to $49,999 0.20% 0.20%
$50,000 to $99,999.99 0.25% 0.25%
$100,000 to $249,999.99 0.50% 0.50%
$250,000+ 0.70% 0.70%
*Make deposits and in-branch withdrawals. Withdrawals made through Bank by Phone, the Call Center and Online Banking are limited to 6 per month. Balances below $2,500 will receive tthe stated rate of interest.

Flexible Savings Certificate*
Effective Date: 09/19/18
TermDividend RateAnnual Percentage Yield*Minimum Balance
6 months 0.20% 0.20% $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: 09/19/18
ProductMinimum BalanceAnnual Percentage Yield*
Savings Account $25 0.10%
Checking Account (Apex and Advantage accounts only) * 0.05%
Holiday Savings Club** $50 1.00%
MatriMoney Special Purpose Savings** $50 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.

Vehicle Loan Rates

Auto Loans
Effective Date: 09/19/18
TermsAPR* (as low as)
New Vehicle
Est. Payment Per $10,000APR* (as low as)
Used Vehicle
Est. Payment Per $10,000
36 months 1.99% $286 2.74% $290
48 months 2.24% $218 2.99% $221
60 months 2.49% $177 3.24% $181
72 months 2.74% $151 3.49% $154
84 months 2.99% $132 3.74% $136
*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. Payment examples are based on lowest stated APR. Other restrictions may apply. Rates are subject to change without notice.

RV/Motorhome, Trailer and Camper Loans
Effective Date: 09/19/18
TermAPR* as low as (new)
24 - 60 months 3.49%
66 - 72 months 3.49%
73-84 months 3.99%
85-120 months 5.49%
*APR = Annual Percentage Rate. Actual rates may vary based on each memberís 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 3.49% APR for 72 months would result in 72 payments of $770.81. Other rates and terms available. Rates subject to change without notice.
90% financing available. Minimum loan amount is $10,000.

Personal Loan Rates

MasterCard Credit Cards
Effective Date: 07/01/18
Card TypeMaximum LimitVariable APR*Notes
Platinum Mastercard $30,000 9.74%-18.74%

Rate may change periodically based on Prime Rate as published in the Wall Street Journal

Platinum Cash Rewards Mastercard $30,000 13.74%-21.74%

Rate may change periodically based on Prime Rate as published in the Wall Street Journal

View complete credit card terms and conditions.

Personal Loan Products
Effective Date: 09/19/18
ProductTermAPR*Notes

Signature Loan
(Unsecured)

12-60 months 11.90% Maximum amount $40,000
Representative Example: A $15,000 Signature Loan financed at 11.9% APR for 48 months would result in 48 monthly payments of $394
PowerPledge Secured Loan
  12-60 months 3.0% above current dividend rate  
  61-120 months 3.0% above current dividend rate  
    2.5% above certificate rate 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.
Certificate Pledge Loan
  Not to exceed Certificate Term 2.5% above certificate rate Maximum loan amount 90% of certificate balance
Representative Example: A $5,000 Certificate Loan financed at 3.10% APR for 24 months would result in 24 monthly payments of $215.13.

Cash Account Line of Credit
Effective Date: 09/19/18
Daily Periodic RateAPR*
0.0490411% 17.90%
An overdraft protection credit line for your checking account.

Power Advance Loan
Effective Date: 09/19/18
Loan AmountFeesAmt ReceivedDividend RateAPR*Term
$300 $30.00 $270 18.00% 82.20% 60 days
$400 $40.00 $360 18.00% 82.20% 60 days
$500 $50.00 $450 18.00% 82.20% 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.

 

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