Loans | Savings | Certificates
| Rates are subject to change without notice. |
| Loans |
Interest Rate
|
APR*
|
Term
(in months)
|
|
| Unsecured (determined by credit score) |
12% to 17.5% |
12% to 17.5% |
up to 60 |
Calculator |
| Share Secured |
4.99% |
4.99% |
up to 180 |
Calculator |
| Unsecured lines of credit (determined by credit score) |
10.0% |
10.0% |
48 |
Calculator |
| Home Loan- 1st Lien |
1 point |
No points
|
|
|
| 0 to 48 months |
4.50% |
4.99% |
48 |
maximum |
| 49 to 120 months |
5.25% |
5.75% |
120 |
maximum |
| 121 to 180 months |
5.49% |
6.00% |
180 |
maximum |
| Home Loan- 2nd Lien |
1 point |
No points
|
|
|
| 0 to 36 months |
4.99% |
5.24% |
36 |
maximum |
| 37 to 84 months |
5.69% |
6.19% |
84 |
maximum |
| 85 to 120 months |
6.44% |
6.99% |
120 |
maximum |
| Purchase Money Mortgages (1 point, 20% down payment, refer to 1st lien Home loan for rate and term) |
5.25% |
5.25% |
up to 180 |
Calculator |
| Flexline - Home Equity Line of Credit (determined by equity of home) |
Call for updated Rate information |
|
120 |
Calculator |
| NEW & USED Auto or Motorcycle (determined by credit score) |
As low as 4.99% |
4.99% |
up to 72 months |
Calculator |
|
NOTE: Wheatland FCU does not finance vehicles more than 10 years old. 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 PHEAA Information |
|
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|
|
|
Life insurance and Credit disability insureance area available on all loans. Rates will vary for New & Used Auto and Motorcycle loans, and Personal or Unsecured 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 1/2% 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.
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|
| Savings |
APY*
|
| The Wheatland Fund |
Highest .85%
|
| Regular Share Account |
0.25% |
| Vacation Club |
.50% |
| Holiday Club |
.50 % |
| Club Grand Account |
1.00% |
| Sharky Savers Account |
.50% |
| Accumulation IRA |
1.00% |
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.
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|
| Share Certificates |
Dividend Rate
|
APY*
|
Penalty in Days |
| 6 Month Certificate ($500 minimum deposit) |
0.846
|
0.85
|
30 |
| 6 Month Certificate ($15,000 minimum deposit) |
0.896 |
0.90 |
30 |
| |
|
|
|
| 12 Month Certificate ($500 minimum deposit) |
0.995 |
1.00 |
90 |
| 12 Month Certificate ($15,000 minimum deposit) |
1.09 |
1.10 |
90 |
| |
|
|
|
| 24 Month Certificate ($500 minimum deposit) |
1.73 |
1.75 |
180 |
| All-Star Rewards Tier 3 |
1.83 |
1.85 |
180 |
| All-Star Rewards Tier 4 OR Club Grand Member |
1.93 |
1.95 |
180 |
| |
|
|
|
| 24 Month Certificate ($15,000 minimum deposit) |
1.78 |
1.80 |
180 |
| All-Star Rewards Tier 3 |
1.88 |
1.90 |
180 |
| All-Star Rewards Tier 4 OR Club Grand Member |
1.98 |
2.00 |
180 |
| |
|
|
|
| 36 Month Certificate ($500 minimum deposit) |
1.98 |
2.00 |
180 |
| All-Star Rewards Tier 3 |
2.080 |
2.10 |
180 |
| All-Star Rewards Tier 4 OR Club Grand Member |
2.17 |
2.20 |
180 |
| |
|
|
|
| 36 Month Certificate ($15,000 minimum deposit) |
2.08 |
2.10 |
180 |
| All-Star Rewards Tier 3 |
2.178 |
2.20 |
180 |
| All-Star Rewards Tier 4 OR Club Grand Member |
2.27 |
2.30 |
180 |
| |
|
|
|
|
Please call any one of our office locations for more details!**
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| IRA Certificates |
|
|
|
| 12 Month IRA Certificate ($500 minimum deposit) |
1.09 |
1.10 |
90 |
| 12 Month IRA Certificate ($15,000 minimum deposit) |
1.19 |
1.20 |
90 |
| |
|
|
|
| 24 Month IRA Certificate ($1,000 minimum deposit) |
1.83 |
1.85 |
180 |
| 24 Month IRA Certificate ($15,000 minimum deposit) |
1.88 |
1.90 |
180 |
| |
|
|
|
| 3 Year IRA Certificate ($2,000 minimum deposit) |
2.07 |
2.10 |
180 |
| 3 Year IRA Certificate ($15,000 minimum deposit) |
2.17 |
2.20 |
180 |
| |
|
|
|
| |
|
|
|
| Accumulation IRA |
1.000 |
1.010 |
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.
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