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PLEASE NOTE:
Rates effective as of June 16, 2009.
All rates
and terms are subject to change without advance notice.
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Savings
Rates
|
Product
|
Minimum
Balance
|
Dividend
Rate
|
A.P.Y.*
|
| Share Savings |
$25.00
|
0.50%
|
0.50%
|
| Clubs |
$25.00
|
0.50%
|
0.50%
|
| Share Draft
(Checking) |
None
|
None
|
None
|
| 6
month C.D. |
$1000.00
|
1.75%
|
1.76%
|
| 12
month C.D. |
$1000.00
|
2.00%
|
2.02%
|
| 24
month C.D. |
$1000.00
|
2.25%
|
2.27%
|
| 36
month C.D. |
$1000.00
|
2.45%
|
2.48%
|
| I.R.A. |
None
|
2.00%
|
2.02%
|
Rates
are accurate and effective for the above accounts as of the date
indicated. Dividends compounded monthly and credited to the applicable
account. Certificate rates remain fixed for the term of the certificate.
Fees or other conditions may reduce the earnings on account. On
certificate accounts, a penalty may be imposed for early withdrawals
before maturity. If you have any questions or need current rate
information on your accounts, please call (207) 872-2636. Dividend
rates and annual percentage yield may change at any time as determined
by the Board of Directors.
*
Annual Percentage Yield
>>>>>>PLEASE NOTE<<<<<<<
The promotional period for the MarketWise CD has been expired by
the Board of Directors. Any MarketWise CD’s that reach maturity
will be renewed to a regular 12 month CD.
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Loan
Rates
|
|
|
Loan
Type
|
Term(s)
|
A.P.R.**
|
| One-Two
Family/Condo/Modular - owner occupied (up to 80% of value) |
Up
to 180 mos.
|
5.75%
|
| One-Two
Family/Condo/Modular - owner occupied (up to 80% of value) |
181-240
mos.
|
6.25%
|
| Seasonal
Property (up to 75% of value) |
Up
to 180 mos.
|
7.50%
|
| Land
(up to 80% of value) |
Up
to 144 mos.
|
9.00%
|
| Mobile/Double
Wide Home in Park - New (up to 80% of value) |
Up
to 180 mos.
|
10.50%
|
| Mobile/Double
Wide Home in Park - Used (up to 80% of value) |
Up
to 120 mos.
|
11.50%
|
| Home
Equity Credit Line (up to 80% of value) |
Open-end
|
Prime
+ 0.50%
|
| Home Equity Fixed Rate Loan |
Up to 60 mos.
|
6.50%
|
| Home Equity Fixed Rate Loan |
61 to 120 mos.
|
7.50%
|
| New
2009 Auto, Truck, Van |
Up
to 48 mos
|
as
low as 5.25%
|
|
New
2009 Auto, Truck, Van
|
Up
to 60 mos.
|
as
low as 5.50%
|
| New
2009 Auto, Truck, Van |
Up
to 72 mos.
|
as
low as 6.00%
|
| Used
2008-09 Auto, Truck, Van |
Up
to 60 mos.
|
as low as 6.25%
|
| Used
2008-09 Auto, Truck, Van |
Up
to 72 mos.
|
as low as 6.75%
|
| 2007
Auto, Truck, Van |
Up
to 48 mos.
|
as
low as 6.50%
|
| 2007
Auto, Truck, Van |
Up
to 60 mos.
|
as
low as 7.00%
|
| 2006
(or older) Auto, Truck, Van |
Up
to 48 mos.
|
as
low as 7.50%
|
| 2006
(or older) Auto, Truck, Van |
Up
to 60 mos.
|
as
low as 8.00%
|
| Personal
(unsecured) |
48
mos.
|
as low as 12.00%
|
| Computer |
36
mos.
|
as
low as 8.75%
|
| Share
(secured) |
Up
to 144 mos.
|
5.00%
|
| C.D.
(secured) |
Up
to 36 mos.
|
CD
Rate + 3%
|
| Rec.
Vehicle (new) |
Up
to 48 mos.
|
as
low as 5.25%
|
| Rec.
Vehicle (new) |
49
to 72 mos.
|
as
low as 6.00%
|
| Rec.
Vehicle (used) |
Up
to 48 mos.
|
as
low as 6.75%
|
| Rec.
Vehicle (used) |
49
to 60 mos.
|
as
low as 7.00%
|
| Draft-a-matic
(overdraft protection) |
Line
of credit
|
18.00%
|
| Pool
/ Spa Loans |
60
mos.
|
as
low as 8.00%
|
| Private
Elementary Tuition Loan |
10
mos.
|
as
low as 5.50%
|
| Energy Saver Loan |
Up to 12 mos.
|
as
low as 4.75%
|
| VISA
Classic Credit Card |
Open-end
|
9.9%
|
Terms
dependent upon amount financed. Many other Loan Programs and Rates
available. Contact your WCFCU Loan Department at 872-2636 for
specific details and applicable disclosures. Home Equity line
of credit rates are subject to change quarterly based on the Wall
Street Prime.
**
Annual Percentage Rate
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