Lending Rates

Bar
Auto LoansBase APR*Discount APR**
Terms
(in months)
New or Pre-Owned Vehicle
(Up to 3 years old)
3.24%1.99%1-36
3.74%2.49%37-60
4.24%2.99%61-75
4.99%3.74%76-84 ($25,000+)
Pre-Owned Vehicle
(4-6 years old)
3.64%2.39%1-36
4.14%2.89%37-60
4.64%3.39%61-75 ($18,000+)
5.39%4.14%76-84 ($25,000+)
Pre-Owned Vehicle
(7-25 years old)
4.19%2.94%
1-36
4.69%3.44%37-60
5.19%3.94%61-75
5.94%4.69%76-84 ($25,000+)
Classic Vehicle
(25 years & older)
4.39%3.14%0-60
5.39%4.14%61-84 ($25,000+)
Recreational EquipmentBase APR*Discount APR**
Terms
(in months)
New Recreational Equipment4.39%3.14%1-72
($25,000 or less)
4.89%3.64%73-84
($25,001-$50,000)
5.64%4.39%85-120
($50,001+)
Used Recreational Equipment4.39%3.14%1-72
($25,000 or less)
4.893.64%61-84
($25,001 – $50,000)
5.64%4.39%85-120
($50,001+)
New MotorHomes & New Recreational Vehicles4.39%3.14%1-72
($25,000 or less)
4.89%3.64%73-84 ($25,001-$50,000)
5.64%4.39%85-120
($50,001+)
Used MotorHomes and Used Recreational Vehicles4.39%3.14%1-72
($25,000 or less)
4.89%3.64%73-84 ($25,001-$50,000)
5.64%4.39%85-120
($50,001+)
New and Used Motorcycle4.39%3.14%1-60
4.89%3.64%61-72
5.64%4.39%73-84 ($25,000+)
Home Equity Loans
APR*
as low as 3.495%
Unsecured Loans
APR*
Line of Creditas low as 11.90%
Signature Loanas low as 11.90%
Visa Credit Cardas low as

11.90%

SecuredLoans
APR*Terms up to
Share Secured Rates1.00%84 months
Certificate Secured RatesInterest Rate + 0.50%Cert. Maturity Date

All rates are effective April 16, 2019.

*Base APR = Base Annual Percentage Rate  

**Discount APR = Discount Annual Percentage Rate   Published APRs include a .25% base interest rate discount based upon establishing an automatic payment through a WSCU checking account.  APRs also include a 1.00% base rate discount based on a loan-to-value of 80% or less.  A base rate discount of .50% is given on a loan-to-value of 80.01%-90.00%.  No rate discount given for loan-to-value of 90.01% or higher.  Value of vehicle determined using NADA. 

***Rates are subject to change on a weekly basis. Rates are effective as of twelve (12) noon on the 1st business day of each week.

Published loan rates based on approved credit, loan term and lien position (where applicable) and are subject to change.  The maximum APR is 21.00% or the maximum rate allowed by law.