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 Loan Calculator
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 |
60 months |
Current Dividend + 1.50% (variable) |
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| New Motor Homes |
60 months |
8.00% |
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120 months |
9.00% |
| Used Motor Homes |
up to 120 months |
10.00% |
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*Annual Percentage Rates May be as low as (see footnote below) |
| New Vehicles |
36 months |
5.00% * |
| (100% sticker price) |
48 months |
5.25% * |
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60 months |
5.50% * |
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72 months |
6.75% * |
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*Annual Percentage Rates May be as low as (see footnote below) |
| Used Vehicles |
36 months |
5.00% * |
| 2006-2008 YR/Retail |
48 months |
5.25% * |
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54 months |
5.25% * |
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60 months |
5.50% * |
| Used Vehicles |
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| 2004-2005 YR/Trade |
36 months |
5.00% * |
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48 months |
5.25% * |
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54 months |
5.50% * |
| Used Vehicles |
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| 2003-2002 YR/Trade |
36 months |
5.00% * |
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48 months |
5.25% * |
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| Used Vehicles |
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| 2001-Older/Loan |
36 months |
5.00% * |
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* All
licensed new auto loans are considered on an individual basis. Rates
may vary based upon individual credit worthiness.
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| Licensed Motorcycles, Boat, Boat Trailer, Travel
Trailers and Truck Camper |
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SEE NEW AND USED VEHICLE RATES AND TERMS |
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| New ATV's/Unlicensed Motorcycles/Farm and Lawn Equipment |
60 months (under $15,000) |
8.00% |
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120 months (over $15,000) |
9.00% |
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| Used ATV's/Unlicensed Motorcycles/Farm and Lawn
Equipment |
36 months (under $10,000) |
9.50% |
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60 months (over $10,000) |
10.50% |
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*Annual Percentage Rates May be as low as (see footnote below) |
| Personal Loans |
36 months |
13.50% * |
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Maximum credit limit
$15,000.00 (aggregate)
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48 months |
14.50% * |
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60 months |
15.50% * |
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| Loan amount included in aggregate totals
meaning, the combined total per member, co-applicant, and co-signer with
a personal loan, visa card or temporary note cannot exceed $15,000.00
total. |
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*All personal
loans are considered on an individual basis. Rates may vary based upon
individual credit worthiness. |
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| Temporary Notes |
30 days |
15.00% |
| Maximum Loan $5,000.00 |
60 days |
15.00% |
| Minimum Loan $1,000.00 |
90 days |
15.00% |
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Loan amount included in aggregate totals
meaning, the combined total per member, co-applicant, and co-signer with
a personal loan, visa card or temporary note cannot exceed $15,000.00
total. |
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| First Mortgage |
120 months |
8.00% |
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180 months |
8.75% |
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240 months |
9.50% |
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Contact our
Mortgage Loan Officer today for more information on closing costs,
appraisal fees, or for answers to any mortgage loan questions. |
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| Equity Line of Credit |
120 months |
RATE VARIES (contact loan officer for details) |
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| Visa Credit Card |
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10.50% |
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***Wccfcu will allow an aggregate of
$15,000.00 for personal loans, visa's and temporary notes per qualifying
members, co-applicants, and co-signers. Meaning, the combined total per
member, co-applicant, and co-signer with a personal loan, visa card or
temporary note cannot exceed $15,000.00 total. |
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CERTIFICATE/SHARE RATES |
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| Certificate of deposit |
6 months |
2.50% APR 2.53% APY |
| $1,000 Minimum |
12 months |
2.75% APR 2.79% APY |
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24 months |
2.94% APR 2.98% APY |
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36 months |
2.94% APR 2.98% APY |
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Rate APR
APY |
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| Share (Savings) |
.35%
.36% |
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| Share Draft (Checking) |
.00%
.00% |
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| Christmas/Vacation Club |
.35%
.36% |
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| IRA/Roth IRA |
2.25%
2.27% |
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*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.
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