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Westerly Community Credit Union Rates

At Westerly Community Credit Union, you’ll find we have the great deposit, loan & home financing rates you need to reach all of your financial goals!

Loan Rates

Auto Loan Rates
Effective Date: Wednesday, August 24th, 2016
ProgramTermAPR*Monthly Payments per $1000 borrowed
New-Used Auto Loans 2014 and Newer
(100% financing maximum)
  6 years 3.750% $15.54
New-Used Auto Loans 2013 and Newer
(100% financing maximum)
  3 years 1.950% $28.63
  4 years 1.950% $21.68
  5 years 1.950% $17.51
Used Auto Loans 2011 and 2012
(100% financing maximum)
  3 years 1.950% $28.63
  4 years 1.950% $21.68
  5 years 1.950% $17.51
Used Auto Loans 2010 and Older
  4 years 6.750% $23.84
Motorcycle Loan 2010 and Newer
  3 years 6.490% $30.65
  4 years 6.490% $23.72
  5 years 6.490% $19.57

*Annual Percentage Rate (APR) is subject to change without notice. Rate shown is for members with an "active" checking account ("active" checking is a minimum of six transactions per month and direct deposit). Add .50% to rate if account does not meet "active" checking requirements. Payments do not reflect any additional cost for Payment Protection. Refinancing for new loans only. Rates subject to change. Other rates and terms available.


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Boat Loans
Effective Date: Wednesday, August 24th, 2016
ProgramTermAPR*Monthly Payments per $1000 borrowed
Used Boat Loans
  3 years 10.000% $32.27
  4 years 10.000% $25.36
  5 years 10.000% $21.26
New Boat Loans
  3 years 10.000% $32.27
  4 years 10.000% $25.36
  5 years 10.000% $21.25

*Annual Percentage Rate (APR) is subject to change without notice. Rates stated reflect lowest current rate for stated term. Other rates and terms are available. Rate shown is for members with an "active" checking account ("active" checking is a minimum of six transactions per month and direct deposit). Add .50% to rate if account does not meet "active" checking requirements. This discounted rate applies to new loans only. Payments do not reflect the addition of Payment Protection. No down payment is required.


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Home Improvement Loan
Effective Date: Wednesday, August 24th, 2016
TermAPR*Monthly Payments per $1000 borrowed
7 years 5.750% $14.50
5 Years 5.250% $19.00

*Annual Percentage Rate (APR) is subject to change without notice. Rate shown is for members with an "active" checking account ("active" checking is a minimum of six transactions per month and direct deposit). Add .50% to rate if account does not meet "active" checking requirements. Loan terms up to 7 years. Maximum amount that can be borrowed is $50,000. To be used for home improvements. Offer valid for primary residence only. Estimate for the project or an invoice or scope of the completed project is required. See a Loan Representative for more details. Payments do not reflect the addition of Payment Protection.


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Personal Loans
Effective Date: Wednesday, August 24th, 2016
ProgramTermAPR*Monthly Payments per $1000 borrowed
Personal Loan
  3 years 10.240% $32.38
  4 years 10.240% $25.48
  5 years 10.240% $21.37
Personal Line of Credit**
    9.500%  

*Annual Percentage Rate (APR) is subject to change without notice. Rates are shown for “A+” credit scores of 760 or above and reflect the lowest current rate for stated term. Rate shown is for members with “active” checking account (“active” checking is a minimum of six transactions per month and direct deposit). Add .50% to rate if account does not meet “active” checking requirements. Payments do not reflect any additional cost for Payment Protection. Other rates and terms are available. **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 21% or less than 8% 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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