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WCFCU: Building lifelong financial relationships one member at a time.

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WCFCU offers some of the best rates for deposits and loans in Maine!

Winslow Community Federal Credit Union is a member-owned financial institution. As a member-owner we can offer you great low-interest loan rates on everything from vehicles to mortgages, as well as competitive high-interest rates on savings and Certificates of Deposit.

At WCFCU, not only do you get to take advantage of our great rates but you also receive a unique banking experience that provides you with amazing service and cutting-edge technology.

Click here to view our Rate & Fee schedule.

PLEASE NOTE: Rates effective as of May 22, 2020.

Share Accounts

ProductMinimum Balance (USD)Dividend Rate (%)APY* (%)
Share Savings$25.000.10%0.10%
Monty Moose Share Savings$5.000.10%0.10%
Share Draft (Checking)NoneNoneNone
IRA ShareNone0.20%0.20%
Health Savings AccountNone0.10%0.10%
Money Market$0.00 to < $2,000.000.00%0.00%
$2,000 to < $25,0000.15%0.15%
$25,000 to < $50,0000.20%0.20%
Amounts > $50,0000.25%0.25%

*$50.00 Minimum balance required to obtain the Annual Percentage Yield for the Dividend Period.

Share Certificates

Term (Months)Minimum Deposit (USD)Dividend Rate (%)APY* (%)
6 Month$5000.40%0.40%
12 Month$5000.50%0.50%
24 Month$5000.60%0.60%
36 Month$5000.80%0.80%
48 Month$5001.00%1.01%
60 Month$5001.10%1.11%

*Annual Percentage Yield

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.

New and Used Auto/Recreational Vehicle Loan Rates

Loan TypeTermsAPR*Monthly Payment Per $1000
Auto, Van, Truck, Rec. VehicleUp to 24 MOAs low as 3.49%$43.20
Auto, Van, Truck, Rec. VehicleUp to 36 MOAs low as 3.49%$29.30
Auto, Van, Truck, Rec. VehicleUp to 48 MOAs low as 3.49%$22.36
Auto, Van, Truck, Rec. VehicleUp to 60 MOAs low as 3.49%$18.19
Auto, Van, Truck, Rec. VehicleUp to 72 MOAs low as 4.49%$15.87
Auto, Van, Truck, Rec. VehicleUp to 84 MOAs low as 5.99%$14.61
Auto, Van, Truck, Rec. VehicleUp to 120 MO**As low as 6.99%$11.61

*Annual Percentage Rate
**120 month term for higher priced boats/recreational vehicles
***D and E credit scores are subject to income verification and stable employment

Real Estate/Home Equity Loan Rates

For information on our Mortgage Program, Click Here!CU Promise



For Mortgage rates, please Click Here!CUSO Mortgage




Loan TypeTermsAPR*
Home Equity Credit Line (up to 80% of value)Open-EndPrime + 0.50%

Home Equity line of credit rates are subject to change quarterly based on the Wall Street Prime.

*Annual percentage Rate is based on prime + .50  and is adjusted quarterly (Jan. 1, Apr. 1, Jul. 1, Oct. 1). Minimum line of credit is $5000; maximum is 80% of appraised value, up to $200,000 to qualified borrowers. Must be homeowner, minimum age 18, primary residence, 1-4 family owner occupied, excludes manufactured homes and land. Subject to clear title and sufficient appraised market value. Minimum advancement on a home equity is $500.

Other Secured (non real estate) Loan Rates

Loan TypeTermsAPR*Monthly Payment Per $1000
Personal (unsecured)48 MOAs low as 9.49%$25.35
All Purpose, Vacation & Energy Saver Loans12 MOAs low as 5.74%$85.71
Share (secured)Up to 120 MO2.99%
C.D. (secured)Up to 36 MOCD Rate + 2.49%
Draft-a-matic (overdraft protection)Line of credit18.00%
Visa Classic Credit CardLine of credit11.99%

*Annual Percentage Rate
Rates are accurate and effective for the above accounts as of the date indicated.
Dividends compounded monthly and credited to the applicable account.
Dividend rates and annual percentage yield may change at any time as determined by the Board of Directors.
If you have any questions or need current rate information on your accounts, please call (207) 872-2636.

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