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Loan Rates

Auto Loan Rates*
(Effective: Thursday, July 24, 2008)
Program
 Term
APR
Monthly Payments
per $1000 borrowed
New Cars over 30 MG
(Qualifying new cars model year 2007 & 2008 with 30 MPG Highway Mileage. 100% financing. No down payment required. )
 		5 years
4.750%
$18.76
6 years
5.000%
$16.11
New Car Loans 2007-2008
(100% financing. No down payment required. )
 		3 years
5.500%
$30.20
4 years
5.500%
$23.26
5 years
6.000%
$19.33
6 years
6.750%
$16.93
7 years
7.000%
$15.09
8 years
7.250%
$13.76
Used Car Loans 2002-2006
(100% financing. No down payment required. )
 		3 years
5.500%
$30.20
4 years
5.500%
$23.26
5 years
6.000%
$19.33
Used Car Loans 2001
 		4 years
9.000%
$24.88
Used Car Loan 2000 or Older
(20% down payment required. )
 		3 years
9.000%
$31.80
*Annual Percentage Rate (APR) subject to change without notice. Other rates and terms are available. New and Used Auto loan rates stated reflect a 0.50% discount with automatic transfer payment from a WCCU checking account. This discounted rate applies to new loans only. Pre-authorized transfer must be set up prior to first payment in order to receive discount. Rates shown are for "A" credit scores of 680 or above.


Boat Loans*
(Effective: Thursday, July 24, 2008)
Program
 Term
APR
Monthly Payments
per $1000 borrowed
Used Boat Loans
 		3 years
9.500%
$32.03
4 years
9.500%
$25.12
5 years
9.500%
$21.00
New Boat Loans
 		3 years
9.500%
$32.03
4 years
9.500%
$25.12
5 years
9.500%
$21.00
*Annual Percentage Rate (APR) subject to change without notice. Other rates and terms are available. Rates shown are for "A" credit scores of 680 or above.


Energy Loan*
(Effective: Thursday, July 24, 2008)
Program
 Term
APR
Monthly Payments
per $1000 borrowed
Energy Loan
 		1 year
6.500%
$86.30
2 years
6.500%
$44.55
3 years
6.500%
$30.65
4 years
6.500%
$23.72
*Rates shown are for "A+" credit scores of 720 or above. Loan terms up to 4 years. Maximum amount that can be borrowed is $25,000. To be used for purchasing heating equipment such as: Furnace, Oil Burner, Oil Tank, Water Heater... See a Loan Representative for more details.


Personal Loans*
(Effective: Thursday, July 24, 2008)
Program
 Term
APR
Monthly Payments
per $1000 borrowed
Personal Loan
(Rates shown are for "A+" credit scores of 720 or above.)
 		3 years
9.740%
$32.15
4 years
9.740%
$25.24
5 years
9.740%
$21.12
Personal Line of Credit**
5.000%
**Rates shown are for "A+" credit scores of 720 or above. The Annual Percentage Rate (APR) is variable based on the Prime Rate as published in the Wall Street Journal five days prior to the end of the month. APR will never be more than 18% or less than 3% for the remaining life of the loan after the initial fixed period. No minimum loan amount. Maximum loan is determined at opening based on credit score but not to exceed $25,000. Other restrictions may apply.



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