LIMITED TIME ONLY - HOME EQUITY LOAN APPLICATION FEE WAIVED - APPLY TODAY

1ST LIEN HOME EQUITY RATE AS LOW AS 3.50% APR / 2ND LIEN HOME EQUITY RATE AS LOAN AS 3.75% APR - NMLS #491613 EQUAL HOUSING LENDER

HURRY LIMITED OFFER

Rates

Wheatland FCU offers competitive rates to meet our members' needs.

We offer our rates based on our members’ individual credit scores. As with any financial institution, our rates are subject to change without notice. All rates listed below are “as low as”, meaning the lowest available rate.

Loans
Savings
Certificates
IRAs
  • Loan APR* Maximum Term (In months)
    Unsecured (rate, amount and term determined by credit score. Maximum loan amount is $25,000) Rates start as low as 9.25%. Rate is determined by your credit score and term selected. Highest rate is 18.00%. 84
    Shared Secured Rate is 2.50% above collateral account rate. 180
    Unsecured Lines of Credit (determined by credit score. Maximum amount $15,000) Rates start as low as 9.00%. Rate is determined by your credit score and term selected. Highest rate is 16.50%. 60
    Home Loan- 1st Lien / 1 to 120 Months (rate is tiered rate determined by term, loan to value and credit score; rate displayed is based on highest credit score) 0 points = as low as 4.50%. Rate is determined by your credit score and term selected. Highest rate is 7.00%. 120
    1 point = as low 4.00%. Rate is determined by your credit score and term selected. Highest rate is 6.50%. 120
    2 points = as low as 3.50%. Rate is determined by your credit score and term selected. Highest rate is 6.00%. 120
    Home Loan- 1st Lien / 121 to 180 Months (rate is tiered rate determined by term, loan to value and credit score; rate displayed is based on highest credit score) 0 point = as low as 4.75%. Rate is determined by your credit score and term selected. Highest rate is 7.25%. 180
    1 point = as low as 4.25%. Rate is determined by your credit score and term selected. Highest rate is 6.75%. 180
    2 points = as low as 3.75%. Rate is determined by your credit score and term selected. Highest rate is 6.25%. 180
    30 Year Mortgage and/or to Purchase a New Home Call for Rates 717-898-7673
    Home Loan- 2nd Lien / 1 to 120 Months (rate is tiered rate determined by term, loan to value and credit score; rate displayed is based on highest credit score) 0 point= as low as 4.75%. Rate is determined by your credit score and term selected. Highest rate is 7.75%. 120
    1 point = as low as 4.25%. Rate is determined by your credit score and term selected. Highest rate is 7.25%. 120
    2 points = as low as 3.75%. Rate is determined by your credit score and term selected. Highest rate is 6.75% 120
    Flexline - Home Equity Line of Credit (determined by equity of home) Call for Rates 717-898-7673 120
    NEW Auto or Motorcycle (determined by credit score, add-on's do apply. Call for details and qualifications) Our lowest rate is 3.50% and our highest rate is 18.00%. Your rate will be determined by your credit score and term selected. Terms vary. Call for Details. 717-898-7673
    USED Auto or Motorcycle (determined by credit score, add-on's do apply. Call for details and qualifications) Our lowest rate 3.50% and our highest rate is 18.00%. Your rate will be determined by your credit score and term selected. Terms vary. Call for Details. 717-898-7673
    NOTE: Loan terms are based on loan amount for Auto & Motorcycle loans:

    >>>>>>> $5999.99 or less= 48 months maximum
    $6,000 to $19,999.99= 72 months maximum
    $20,000 or more= 84 months maximum
    NEW- Boats, Trailers, Motor Homes, Jet Skis & Snow Mobiles Rates start as low as 8.75%. Rate will be determined by your credit score and term selected. 60
    Used- Boats, Trailers, Motor Homes, Jet Skis & Snow Mobiles Rates start as low as 9.75%. Rate will be determined by your credit score and term selected. 48
    Mobile Homes - New Rates start as low as 12.25%. Rate will be determined by your credit score and term selected. 84
    Mobile Homes - Used (up to 5 years old) Rates start as low as 13.75%. Rate will be determined by your credit score and term selected. 60
    Education Loans Visit our student loan page for rate information. LendKey Private Student Loans & Sallie Mae Loans Available

    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. Home Loans: Written Estimate of Terms or Costs: Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.

  • Savings Account APY*
    The Wheatland Fund Highest 0.75%
    Regular Share Savings 0.05%
    Personal Choice Savings 0.05%
    Vacation Club Savings 0.10%
    Holiday Club Savings 0.10%
    Club Grand Savings Highest 0.20%
    Kids “Sharky’s Savers Club” 0.10%
    Accumulation IRA 0.25%

    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.

  • Share Certificate APY* Penalty in Days
    6 Month Certificate ($500.00 minimum deposit). 1.70% 30
    JUMBO 6 Month Certificate ($100,000.00 minimum deposit). 1.75% 30
    12 Month Certificate ($500.00 minimum deposit). 2.35% 90
    JUMBO 12 Month Certificate ($100,000.00 minimum deposit). 2.40% 90
    24 Month Certificate ($500.00 minimum deposit). 2.75% 180
    JUMBO 24 month Certificate ($100,000.00 minimum deposit). 2.80% 180
    36 Month Certificate ($500.00 minimum deposit). 2.80% 180
    JUMBO 36 month Certificate ($100,000.00 minimum deposit). 2.90% 180

    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.

  • Share Certificate APY* Penalty in Days
    12 Month IRA Certificate ($500.00 minimum deposit). 2.35% 90
    24 Month IRA Certificate ($500.00 minimum deposit). 2.75% 180
    36 Month IRA Certificate ($2,000.00 minimum deposit). 2.80% 180
    Accumulation IRA 0.25% 180

    For more information on IRA Certificates, please contact 717-898-7673 to speak to an IRA specialist.

    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.

*See Terms and Conditions