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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: Monday, February 17th, 2020
ProgramTermAPR*Monthly Payments per $1000 borrowed
New-Used Auto Loans 2018 and Newer
  6 years 2.490% $14.97
New Auto Loans 2019 and Newer
  3 years 1.990% $28.65
  4 years 1.990% $21.70
  5 years 1.990% $17.53
Used Auto Loans 2015 - 2018
  3 years 1.990% $28.65
  4 years 1.990% $21.70
  5 years 1.990% $17.53
Used Auto Loans 2014 and Older
  4 years 4.690% $22.90
Motorcycle Loan 2014 and Newer
  3 years 6.990% $30.88
  4 years 6.990% $23.95
  5 years 6.990% $19.81

*Annual Percentage Rate (APR) is subject to change without notice. Rates shown are for members with an “A” credit score of 680 or above. Rates also reflect a 0.75% point interest rate reduction for automatic loan payments deducted from an “active” WCCU checking account (“active” checking is 6 transactions or more per month and direct deposit) which must be scheduled at the time of loan closing. If the above requirements are not met, discount will not apply, and 0.75% will be added to the rate. 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: Monday, February 17th, 2020
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 shown are for members with an “A” credit score of 680 or above. Rates also reflect a 0.75% point interest rate reduction for automatic loan payments deducted from an “active” WCCU checking account (“active” checking is 6 transactions or more per month and direct deposit) which must be scheduled at the time of loan closing. If the above requirements are not met, discount will not apply, and 0.75% will be added to the rate. Payments do not reflect the addition of Payment Protection. No down payment is required.


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Home Improvement Loan
Effective Date: Monday, February 17th, 2020
TermAPR*Monthly Payments per $1000 borrowed
5 Years 5.250% $18.99
7 Years 5.500% $14.38
10 Years 5.750% $10.98

*Annual Percentage Rate (APR) is subject to change without notice. Rates shown are for members with an “A” credit score of 680 or above. Rates also reflect a 0.75% point interest rate reduction for automatic loan payments deducted from an “active” WCCU checking account (“active” checking is 6 transactions or more per month and direct deposit) which must be scheduled at the time of loan closing. If the above requirements are not met, discount will not apply, and 0.75% will be added to the rate. Loan terms up to 10 years. Maximum amount that can be borrowed is $50,000. To be used for home improvements. 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: Monday, February 17th, 2020
ProgramTermAPR*Monthly Payments per $1000 borrowed
Personal Loan
  3 years 8.990% $31.80
  4 years 8.990% $24.88
  5 years 8.990% $20.76
Personal Line of Credit**
    10.750% varies

*Annual Percentage Rate (APR) is subject to change without notice. Rates shown are for members with an “A” credit score of 680 or above. Rates also reflect a 0.75% point interest rate reduction for automatic loan payments deducted from an “active” WCCU checking account (“active” checking is 6 transactions or more per month and direct deposit) which must be scheduled at the time of loan closing. If the above requirements are not met, discount will not apply, and 0.75% will be added to the rate. Payments do not reflect any additional cost for Payment Protection. Other rates and terms are available.


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College Refinance Loan
Effective Date: Monday, February 17th, 2020
ProgramTermAPR*Monthly Payments per $1000 borrowed
Fixed Rate College Refinance Loan
  5 years 4.000% $18.42
  10 years 4.500% $10.37
Adjustable Rate College Refinance Loan**
  5 years 3.500% $18.20
  10 years 4.750% $10.49

*Annual Percentage Rate (APR) is subject to change without notice. Rates shown are for “A” credit scores of 680 or above. Rates also reflect a 0.75% point interest rate reduction for automatic loan payments deducted from an “active” WCCU checking account (“active” checking is 6 transactions or more per month and direct deposit) which must be scheduled at the time of loan closing. If the above requirements are not met, discount will not apply, and 0.75% will be added to the rate. Payments do not reflect any additional cost for Payment Protection. **The Adjustable rate APR will vary based on the Prime Rate as published in the Wall Street Journal. No minimum loan amount. College Refinance Loan is for refinancing existing education loans in repayment; not deferral. Maximum loan $75,000, maximum term 10 years. Applicant must be a graduate of an accredited two or four-year trade school, college or university and employed full time. College Refinance Loans are subject to credit qualification and verification of application information, outstanding loan amount(s), proof of employment and graduation. Fixed and adjustable rates available. New loans only. Other restrictions may apply.


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