Rates

The FACT Act
"We may report information about your accounts to credit bureaus.  Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report."

LOANS
*Rates are subject to change without notice.  Please contact the credit union to get current
rate information

*A penalty is imposed for early withdrawal on Certificates of Deposit

Share and CD Secured 24 Months Dividend Paid +1.50% APR*
36 Months Dividend Paid +2.00% APR*
48 Months Dividend Paid + 2.50% APR*
60 months Dividend Paid +3.00% APR*
*Rate is based on current dividend being paid on Share Certificates of Deposit and Loan term requested.
New Motor Homes up to 72 months Based on new/used vehicle rates*
84 to 120 months 6.00% APR*
Used Motor Homes up to 72 months
84 to 120 months
 Based on new/used vehicle rates*
6.00% APR*
*Annual Percentage Rates May be as low as (see footnote below)
New Vehicles 36 months 3.00% APR*
(100% sticker price) 48 months 3.25% APR*
60 months 3.50% APR*
72 months 4.00% APR*
*Annual Percentage Rates May be as low as (see footnote below)
Used Vehicles 36 months 3.00% APR*
2009-2011 YR /Retail 48 months 3.25% APR*
54 months 3.50% APR*
60 months 3.50% APR*
Used Vehicles
2007-2008 YR /Retail 36 months 3.00% APR*
48 months 3.25% APR*
54 months 3.50% APR*
Used Vehicles
2004-2006 YR /Retail 36 months 3.00% APR*
48 months 3.25% APR*
Used Vehicles
2003-Older /Retail 36 months 3.00% APR*
* All licensed new auto loans are considered on an individual basis.  Rates may vary based upon individual credit worthiness. 
*Annual Percentage Rates May be as low as (see footnote below)
Licensed Motorcycles, Boat, Boat Trailer, Travel Trailers and Truck Camper SEE NEW AND USED VEHICLE RATES AND TERMS
New ATV's/Unlicensed Motorcycles    
*Annual Percentage Rates May be as low as (see footnote below)
Used ATV's/Unlicensed Motorcycles   SEE NEW AND USED VEHICLE RATES AND TERMS
  *Annual Percentage Rates May be as low as (see footnote below)
Farm and Lawn Equipment    
     
New – (100% retail) 60 Months 3.50%
  120 Months 6.00%
     
Used 60 Months 3.50%
  120 Months 6.00%
   
   
   
Personal Loans 36 months 7.00% APR*

Maximum $20,000.00

 48 months 8.00% APR*
60 months 9.00% APR*
  * All personal loans are considered on an individual basis.  Rates may vary based upon individual credit worthiness. 
*Annual Percentage Rates May be as low as (see footnote below)

Temporary Notes
Loan amount and rate are based on credit worthiness and whether secured or unsecured.

*Annual Percentage Rates May be as low as (see footnote below)
Visa Credit Card 10.50% APR*

 

 

CERTIFICATE/SHARE RATES

Certificate of deposit 6 months 0.50% APR      0.50% APY**
$1,000 Minimum 12 months 0.75% APR      0.75% APY**
24 months 1.00% APR      1.00% APY**
36 months 1.25% APR      1.25% APY**
48 months 1.50% APR      1.50% APY**
Dividend            APY**
Share (Savings)     .10%               .10%
Share Draft (Checking)     .00%               .00%
Christmas/Vacation Club     .10%               .10%
IRA/Roth IRA     .25%              .25%
**Annual Percentage Yield

*Rates are subject to change without notice.  Please contact the credit union to get current rate information

*A penalty is imposed for early withdrawal on Certificates of Deposit

Equal Opportunity in Lending Policy Statement

Wood County Community FCU has established a policy of making sound loans to all qualified members regardless of race, color, national origin, religion, sex, marital status, age, receipt of public assistance, age or location of dwelling used as security or the borrower's good-faith exercise of rights under the Consumer Credit Protection Act, the Fair Housing Act and the Equal Credit Opportunity Act. It is the policy of Wood County Community FCU to comply with all Federal and State Laws and Regulations including, but not limited to, the Civil Rights Act of 1968, the Consumer Credit Protection Act of 1968, the Real Estate Settlements Procedure Act, the Equal Credit Opportunity Act and the Home Mortgage Disclosure Act
of 1975.