Loan Calculator
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The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made. Using this calculator does not guarantee credit.
Personal
as low as
9.99%
APR*
Rate, amount and term determined by credit score. Highest rate is 18.00%. Maximum loan amount is $25,000.
Share Secured
2.50%
APR*
Rate is 2.50% above collateral account rate.
Personal Lines of Credit
as low as
9.74%
APR*
Rate is determined by your credit score and term selected. Highest rate is 17.74%. Maximum loan amount $15,000.
Home Loan – 1st Lien
as low as
5.74%
APR*
Points programs available. Purchasing points can lower the interest rate and monthly payment. One point equals 1% of the loan amount and is paid at closing.
Home Loan – 2nd Lien
as low as
5.74%
APR*
Points programs available. Purchasing points can lower the interest rate and monthly payment. One point equals 1% of the loan amount and is paid at closing.
New Auto or Motorcyle
as low as
4.49%
APR*
Rate determined by credit score. Highest rate is 18.00%. Add-ons do apply. Maximum loan terms are based on loan amount. Call for details and qualifications: 717-898-7673
*New money only.
Used Auto or Motorcycle
as low as
4.49%
APR*
Rate determined by credit score. Maximum rate is 18.00%. Add-ons do apply. Maximum loan terms are based on loan amount. Call for details and qualifications: 717-898-7673.
*New money only
New – Boats, Trailers, Motor Homes, Jet Skis & Snow Mobiles
as low as
14.00%
APR*
Rate will be determined by your credit score and term selected.
Call for details and qualifications 717-898-7673, #3
Used – Boats, Trailers, Motor Homes, Jet Skis & Snow Mobiles
as low as
15.00%
APR*
Rate will be determined by your credit score and term selected.
Call for details and qualifications 717-898-7673, #3
New – Mobile Home
as low as
14.00%
APR*
Rate will be determined by your credit score and term selected.
Call for details and qualifications 717-898-7673, #3
Used – Mobile Home
(up to 5 years old)
as low as
15.00%
APR*
Rate will be determined by your credit score and term selected.
Call for details and qualifications 717-898-7673, #3
Student Loan Refinance
as low as
4.49%
APR*
Student Loan Refinance Variable Rates: n/a
Student Loan Refinance Fixed Rates: 4.49% APR - 9.34% APR (with AutoPay)
Private Student Loans
as low as
2.99%
APR*
Private Student Loans Variable Rates: 4.04% APR – 13.27% APR (with AutoPay)
Private Student Loans Fixed Rates:2.99% APR – 12.69% APR (with AutoPay)
* APRs current as of 10/04/2024. Applications subject to credit approval. Collateral must meet minimum underwriting standards. Terms and conditions subject to change and without prior notice. Contact us for details 717-898-7673, #3.
For current Mortgage rates, please call 717-898-7673.
For Education Loan rates, please visit our Student Loan page for more information.
Regular Savings
0.05%
APY*
Minimum $5.00 deposit to open and earn APY.
Sharky Savers Kids’ Club
0.10%
APY*
$0.00 to open and $0.01 to earn APY.
Holiday Club Savings
0.10%
APY*
Only $0.00 to open and $0.01 to earn APY. Make deposits anytime.
On October 1st of each year, we will automatically transfer balance to your regular savings account. Early withdrawal may incur penalty or other restriction.
Vacation Club Savings
0.10%
APY*
Only $0.00 to open and $0.01 to earn APY. Make deposits anytime.
On April 1st of each year, we will automatically transfer balance to your regular savings account. Early withdrawal may incur penalty or other restrictions
Personal Choice Savings
0.05%
APY*
$0.00 to open and $0.01 to earn APY.
Accumulation IRA
0.25%
APY*
Minimum $0.00 to open and $0.01 to earn APY. Consult a tax advisor for tax implications for early withdrawal.
Club Grand Savings
up to
0.20%
APY*
$0.00 to open and $0.01 to earn APY, 0.15% APY
$0.00 to $4,999.99: 0.15% APY
$5,000.00 to $9,999.99: 0.20% APY
$10,000.00 to $24,999.99: 0.20% APY
$25,000.00 to $49,999.99: 0.20% APY
$50,000.00+: 0.20% APY
$0.00 to $4,999.99: 0.15% APY
$5,000.00 to $9,999.99: 0.20% APY
$10,000.00 to $24,999.99: 0.20% APY
$25,000.00 to $49,999.99: 0.20% APY
$50,000.00+: 0.20% APY
The Wheatland Fund Checking Account
up to
0.50%
APY*
$0.00 to $4999.99: 0.00% APY
$5000.00 to $9,999.99: 0.20% APY
$10,000.00 to $24,999.99: 0.25% APY
$25,000.00 to $49,999.99: 0.25% APY
$50,000.00 to $74,999.99: 0.25 APY
$75,000.00 to $124,999.99: 0.25% APY
$125,000.00 to $249,999.99: 0.25% APY
$250,000.00 + : 0.50% APY
APY based on daily balance. A $10.00 monthly fee will be charged if balance falls below $5000.00 during any month
$5000.00 to $9,999.99: 0.20% APY
$10,000.00 to $24,999.99: 0.25% APY
$25,000.00 to $49,999.99: 0.25% APY
$50,000.00 to $74,999.99: 0.25 APY
$75,000.00 to $124,999.99: 0.25% APY
$125,000.00 to $249,999.99: 0.25% APY
$250,000.00 + : 0.50% APY
APY based on daily balance. A $10.00 monthly fee will be charged if balance falls below $5000.00 during any month
*Annual Percentage Yields (APY) current as of 04/27/2023. Account terms and conditions subject to change without prior notice. Fees may reduce earnings. Contact for details 717-898-7673.
6 Month Certificate
3.85%
APY
$500 minimum deposit to open and earn APY. Penalty for early withdrawal.
Jumbo 6 Month Certificate
3.90%
APY
$100,000 minimum deposit to open and earn APY. Penalty for early withdrawal.
12 Month Certificate
3.25%
APY*
$500.00 minimum deposit to open and earn APY. Penalty for early withdrawal.
Jumbo 12 Month Certificate
3.50%
APY*
$100,000.00 minimum deposit to open and earn APY. Penalty for early withdrawal.
18 Month Certificate
1.60%
APY*
$500.00 minimum deposit to open and earn APY. Penalty for early withdrawal.
Jumbo 18 Month Certificate
1.65%
APY*
$100,000.00 minimum deposit to open and earn APY. Penalty for early withdrawal.
24 Month Certificate
1.70%
APY*
$500.00 minimum deposit to open and earn APY. Penalty for early withdrawal.
Jumbo 24 Month Certificate
1.75%
APY*
$100,000.00 minimum deposit to open and earn APY. Penalty for early withdrawal.
36 Month Certificate
1.80%
APY*
$500.00 minimum deposit to open and earn APY. Penalty for early withdrawal.
Jumbo 36 Month Certificate
1.85%
APY*
$100,000.00 minimum deposit to open and earn APY. Penalty for early withdrawal.
Rollover 6 Month Certificate
3.85%
APY*
$500 minimum deposit to open and earn APY. Penalty for early withdrawal.
Rollover 6 Month Jumbo Certificate
3.90%
APY*
$100,000 minimum deposit to open and earn APY. Penalty for early withdrawal.
Rollover 12 Month Certificate
3.25%
APY*
$500 minimum to open and earn APY. Penalty for early withdrawal.
Rollover 12 Month Jumbo Certificate
3.50%
APY*
$100,000 minimum deposit to open and earn APY. Penalty for early withdrawal.
Rollover 18 Month Certificate
1.60%
APY*
$500 minimum deposit to open and earn APY. Penalty for early withdrawal.
Rollover 18 Month Jumbo Certificate
1.65%
APY*
$100,000 minimum deposit to open and earn APY. Penalty for early withdrawal.
Rollover 24 Month Certificate
1.70%
APY*
$500 minimum deposit to open and earn APY. Penalty for early withdrawal.
Rollover 24 Month Jumbo Certificate
1.75%
APY*
$100,000 minimum deposit to open and earn APY. Penalty for early withdrawal.
Rollover 36 Month Certificate
1.80%
APY*
$500 minimum deposit to open and earn APY. Penalty for early withdrawal.
Rollover 36 Month Jumbo Certificate
1.85%
APY*
$100,000 minimum deposit to open and earn APY. Penalty for early withdrawal.
*Annual Percentage Yields (APY) effective 03/27/2025. Fees may reduce earnings. Terms and conditions subject to change without prior notice. Contact us for details 717-898-7673.
To calculate your insured funds at a federally insured credit union, use My Credit Union’s share insurance estimator.
6 Month IRA Certificate
3.85%
APY
$500 minimum deposit to open and earn APY. Penalty for early withdrawal.
12 Month IRA Certificate
3.25%
APY*
$500.00 minimum deposit to open and earn APY. Penalty for early withdrawal.
18 Month IRA Certificate
1.60%
APY*
$500.00 minimum deposit to open and earn APY. Penalty for early withdrawal.
24 Month IRA Certificate
1.70%
APY*
$500.00 minimum deposit to open and earn APY. Penalty for early withdrawal.
36 Month IRA Certificate
1.80%
APY*
$500.00 minimum deposit to open and earn APY. Penalty for early withdrawal.
Accumulation IRA
0.25%
APY*
$0.00 to open and $0.01 to earn APY.
*Annual Percentage Yields (APY) current as of 03/27/2025. Fees may reduce earnings. Consult a tax advisor for tax implications of an early withdrawal. Account terms and conditions subject to change without notice. Contact us for details 717-898-7673.
To calculate your insured funds at a federally insured credit union, use My Credit Union’s share insurance estimator.