Rates

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        

 

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. O
ther 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!**

     
       
 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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