Rates Last Updated:  January 3, 2012

Special Rates:   Disclosures: 2.99%: New or Used 2008 to current year. New Money. No minimum balance. Limited to 100% financing of value. Up to 60 months financing 1.99% - 2.99% for New Money, New or Used Auto 2010 to 2012.  Minimum financing applies. Limit 100% financing

 

2010-2012 Models Only	APR as low as
84 Months - Over $25,000	2.99%
72 Months - Over $20,000	2.49%
60 Months - Over $20,000	1.99%
24-48 Months	1.99%
2008 - Current Models  - Up to 60 Months - No minimum balance	2.99%

	APR as low as
84 Months	2.99%

New and Used Vehicles - 2008- 2011 Models WEPCO Federal Credit Union makes purchasing a vehicle fun and easy! We offer 100% financing on the selling price or book value whichever is less, on new and used vehicles. Terms range anywhere from 24 months to 84 months, however on vehicles financed for 72 months the loan amount must be over $15,000.

	APR as low as
24 Months	3.00%
36 Months	3.25%
48 Months	3.50%
60 Months - $10,000 or more	4.00%
72 Months - $15,000 or more	4.75%

Used Auto – 2007 or Older We offer 100% financing on the selling price or book value whichever is less, on used vehicles. Terms range anywhere from 48 months to 60 months, however the loan amount must be $10,000 or more.

	APR as low as
Up to 48 Months	4.50%
60 Months $10,000 or more	5.00%

Vacation and Christmas Loans:  We loan up to $2,000 with 12 months to repay!  Signature Loans: loan up to $10,000 with up to 72 months to repay.

	APR as low as
Vacation & Christmas Loans - 12 Months	8.00%
Signature Loans	8.00%

Recreational Vehicle WEPCO Federal Credit Union finances motorcycles, RVs, lawn equipment, farm equipment, motor homes and mobile homes under our recreational vehicles loan product. Maximum amount financed is 90% of selling price or book value whichever is less. Maximum term is 144 months for RVs, motor homes, and mobile homes. Maximum term is 60 months for motorcycles, boats, four wheelers, and lawn and farm equipment.

	APR as low as
90% Financing	5.75%
80% Financing	5.25%

Four Wheelers:  WEPCO Federal Credit Union finances four wheelers at 100% financing.  No title or insurance is required.   Maximum term is 60 months.

	APR as low as
Up to 60 Months	5.75%

Boat Loans - WEPCO Federal Credit Union finances new or used boats with terms from 36 months to 180 months!   We will finance 100% of selling price or book value whichever is less.

	APR as low as
New	5.99%
Used	6.25%

Share Pledge Loan Our Share Pledge loan provides members with financing, at our lowest rate possible, while they continue to keep their savings in place. This loan is secured by the money available in your share savings account, and the interest rate is the utmost lowest, while you still earn dividends on your savings.

	APR as low as
Up to 72 Months	4.00%

WEPCOLine Line of Credit Our newest loan product our WEPCOLine Line of Credit provides easy access to a credit line without a credit card. After the initial approval, members may access the WEPCOLine Line of Credit via WEPCO Pal, a telephone call to a loan officer or in person with a loan officer. Plus WEPCOLine provides overdraft protection for your share draft (checking) account. Maximum unsecured amount loaned is $10,000.00.

APR as low as

11.75%

Mortgages: Rates vary on a weekly basis. Please contact one of our branches for current rate. First Mortgage 15 year fixed mortgage loans. Interest rate is based on a market rate which can adjust daily, so please contact either credit union office and speak with a Mortgage Loan Officer for today's great rate. Maximum financed is 80% of the appraised value of the property. First Mortgage Balloon Terms for our balloon mortgage vary from our regular first mortgage. Our balloon mortgage interest rate is again based on a market rate, for a 15 year balloon with payments based on 30 years. We'll finance 80% of the appraised value or 80% of the selling price whichever is less, for a maximum term of 15 years with a balloon payment at the end of this term. Real Estate Land For the purchase of land, we'll finance 80% of the appraised value for a maximum term of 7 years.  Home Equity Fixed Rate We have two fixed rate home equity products. Our Regular product provides maximum financing of 80% of the appraised value less any other financing, for a maximum term of 5 years. Our Extended product provides maximum financing of 80% of the appraised value less any other financing, for a maximum term of 10 years.  Home Equity Variable Rate Our variable rate home equity loans provides for a 5 year draw period with a 10 year payback. We provide financing on 80% of the appraised amount less any other financing. The interest is based on the Prime Rate and adjusts two times per year.

VISA Credit Card Options Click here

Rish Bases Lending
WEPCO Federal Credit Union uses a risk based lending policy to determine a members interest rate. In grading a loan application, the credit bureau provides WEPCO Federal Credit Union with a calculated national risk score, which is then matched to a letter score of A, B, C, or D. Rates have been set according to a corresponding letter grade. The letter grade of an A would receive our best rate, while tier - B, C, and D grades would each receive a slightly higher interest rate.

	APR as Low as
84 Months	5.50%

New Vehicle - Current Year Model WEPCO Federal Credit Union makes purchasing a vehicle fun and easy! We offer 100% financing. For an 84 months financing,  the vehicle must be new and the minimum loan amount is at least $25,000.00.