Rates

Loans	Interest Rate	APR*	Term (in months)
Unsecured (rate, amount and term determined by credit score. Maximum loan amount is $25,000)	as low as 7.99%		up to 84 months	Calculator
Share Secured	4.99%	4.99%	up to 180	Calculator
Unsecured lines of credit (determined by credit score. Maximum amount $15,000)	7.49%	7.49%	60	Calculator
Home Loan- 1st Lien (rate is tiered rate determined by term, loan to value and credit score; rate displayed is based on highest credit score)	No points	1 point	Term
1-120 months	3.30%	2.80%	120
121-180 months	3.79%	3.29%	180
30 Year Mortgage and/or to Purchase a New Home	call for rates
Home Loan- 2nd Lien(rate is tiered rate determined by term, loan to value and credit score; rate displayed is based on highest credit score)	No points	1 point	Term
1 to 120 months	3.79%	3.29%	120
Flexline - Home Equity Line of Credit (determined by equity of home)	Call for updated Rate information		120	Calculator
NEW Auto or Motorcycle (determined by credit score, add-on's do apply. Call for details and qualifications)	As low as 1.99%	1.99%	Term Varies. Call for Details	Calculator
USED Auto or Motorcycle (determined by credit score, add-on's do apply. Call for details and qualifications)	As low as 2.49%	2.49%	Term Varies. Call for Details
NOTE: Wheatland FCU does not finance vehicles more than 10 years old or vehicles with 100,000 miles or more. Loan terms are based on loan amount for Auto & Motorcycle loans: $5999.99 or less= 36 months maximum $6,000 to $9,999.99= 48 months maximum $10,000 to $11,999.99= 60 months maximum $12,000 to $14,999.99= 66 months maximum $15,000 or more= 72 months maximum
NEW- Boats, Trailers, Motor Homes, Jet Skis & Snow Mobiles	8.75%	8.75%	60	Calculator
USED- Boats, Trailers,Motor Homes,Jet Skis & Snow Mobiles	9.75%	9.75%	48	Calculator
Mobile Homes - New	12.25%	12.25%	84	Calculator
Mobile Homes - Used (up to 5 years old)	13.75%	13.75%	60	Calculator
Education Loans - Call Wheatland FCU for CU Student Loans information

Life insurance and Credit disability insurance are available on all loans. Rates will vary for auto loans and personal loans depending on your credit score.
Loan rates listed are for loans on payroll deduction or automatic payment. Other payment methods will make the rate .50% higher.
Terms listed and used in calculators are the maximum allowable in the category.
Rates listed and used in calculator are the lowest allowable in the category.
Rates are subject to change without notice.
Annual Percentage Rate (APR) is the finance charge rate that reflects the interest rate for an annual period.

Go To Loan Application| Go To Calculators| Back to Top

Savings	APY*
The Wheatland Fund	Highest 0.20%
Regular Share Account	0.05%
Personal Choice Savings Account	0.05%
Vacation Club	0.10%
Holiday Club	0.10 %
Club Grand Account	Highest 0.25%
Sharky Savers Account	0.10%
Accumulation IRA	0.30%

These rates are always competitive and generally higher than most local financial institutions.

Rates listed are highest in category and may be subject to minimum balances.

The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period.
Rates are subject to change without notice.
Back to Top

Share Certificates	APY*	Penalty in Days
6 Month Certificate ($500 minimum deposit)	0.20%	30

12 Month Certificate ($500 minimum deposit)	0.30%	90

24 Month Certificate ($500 minimum deposit)	0.40%	180
All-Star Rewards Tier 3, 4 OR Club Grand Member	0.50%	180

36 Month Certificate ($500 minimum deposit)	0.60%	180
All-Star Rewards Tier 3, 4 OR Club Grand Member	0.70%	180


Please call any one of our office locations for more details!**

IRA Certificates	APY*	Penalty in Days
12 Month IRA Certificate ($500 minimum deposit)	0.40%	90

24 Month IRA Certificate ($1,000 minimum deposit)	0.50%	180

36 Month IRA Certificate ($2,000 minimum deposit)	0.70%	180


Accumulation IRA	0.30%	n/a

For more information on IRA Certificates, please contact Concetta at 717-898-7673 or cvloans@wheatlandcu.com

All rates are subject to change without notice.
The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period.
Back to Top