WCFCU - Rates &
Fees as of October 1, 2009
*Rates subject to change
without notice.
LOAN RATES
Vehicle | Home Equity
| Variable Rate Home
Equity | First Mortgage |
Personal Loan
SAVINGS RATES
FEES
|
Vehicle Loan Rates |
|
"A" Risk |
|
2 Years |
3 Years |
4 Years |
5 Years |
6 Years |
7 Years |
|
|
A.C. 1 |
4.50% |
4.75% |
5.00% |
5.25% |
5.75% |
6.25% |
|
|
A.C. 2 |
5.00% |
5.25% |
5.50% |
5.75% |
6.25% |
6.75% |
|
|
A.C. 3 |
6.00% |
6.25% |
6.50% |
6.75% |
7.25% |
7.75% |
|
|
A.C. 4 |
7.00% |
7.25% |
7.50% |
7.75% |
8.25% |
8.75% |
|
|
|
|
|
|
|
|
|
|
"B" Risk |
|
2 Years |
3 Years |
4 Years |
5 Years |
6 Years |
7 Years |
|
|
A.C. 1 |
5.00% |
5.25% |
5.50% |
5.75% |
6.25% |
6.75% |
|
|
A.C. 2 |
5.50% |
5.75% |
6.00% |
6.25% |
6.75% |
7.25% |
|
|
A.C. 3 |
6.50% |
6.75% |
7.00% |
7.25% |
7.75% |
8.25% |
|
|
A.C. 4 |
7.50% |
7.75% |
8.00% |
8.25% |
8.75% |
9.25% |
|
|
|
|
|
|
|
|
|
|
"C" Risk |
|
2 Years |
3 Years |
4 Years |
5 Years |
6 Years |
7 Years |
|
|
A.C. 1 |
6.50% |
6.75% |
7.00% |
7.25% |
7.75% |
8.25% |
|
|
A.C. 2 |
7.50% |
7.75% |
8.00% |
8.25% |
8.75% |
9.25% |
|
|
A.C. 3 |
8.50% |
8.75% |
9.00% |
9.25% |
9.75% |
10.25% |
|
|
A.C. 4 |
9.50% |
9.75% |
10.00% |
10.25% |
10.75% |
11.25% |
|
|
|
|
|
|
|
|
|
|
"D" Risk |
|
2 Years |
3 Years |
4 Years |
5 Years |
6 Years |
7 Years |
|
|
A.C. 1 |
8.25% |
8.50% |
8.75% |
9.00% |
9.50% |
10.00% |
|
|
A.C. 2 |
9.25% |
9.50% |
9.75% |
10.00% |
10.50% |
11.00% |
|
|
A.C. 3 |
10.25% |
10.50% |
10.75% |
11.00% |
11.50% |
12.00% |
|
|
A.C. 4 |
11.25% |
11.50% |
11.75% |
12.00% |
12.50% |
13.00% |
|
|
|
|
|
|
|
|
|
|
"E" Risk |
|
2 Years |
3 Years |
4 Years |
5 Years |
6 Years |
7 Years |
|
|
A.C. 1 |
10.25% |
10.50% |
10.75% |
11.00% |
11.50% |
12.00% |
|
|
A.C. 2 |
11.25% |
11.50% |
11.75% |
12.00% |
12.50% |
13.00% |
|
|
A.C. 3 |
12.25% |
12.50% |
12.75% |
13.00% |
13.50% |
14.00% |
|
|
A.C. 4 |
13.25% |
13.50% |
13.75% |
14.00% |
14.50% |
15.00% |
|
Home Equity Loan Rates |
|
|
5 Yrs |
10 Yrs |
15 Yrs |
|
"A" Risk |
5.25% |
5.75% |
6.25% |
|
"B" Risk |
6.25% |
6.75% |
7.25% |
|
"C" Risk |
8.25% |
8.75% |
9.25% |
|
"D" Risk |
10.25% |
10.75% |
11.25% |
|
"E" Risk |
12.25% |
12.75% |
13.25% |
|
Variable Home
Equity Loan Rates |
|
|
5 Years |
10 Yrs |
15 Yrs |
20 Yrs |
|
"A" Risk |
5.00% |
5.50% |
6.00% |
6.50% |
|
"B" Risk |
6.00% |
6.50% |
7.00% |
7.50% |
|
"C" Risk |
8.00% |
8.50% |
9.00% |
9.50% |
|
"D" Risk |
10.00% |
10.50% |
11.00% |
11.50% |
|
"E" Risk |
12.00% |
12.50% |
13.00% |
13.50% |
|
First Mortgage |
|
10 Yrs |
15 Yrs |
|
5.75% |
6.25% |
|
6.75% |
7.25% |
|
8.75% |
9.25% |
|
10.75% |
11.25% |
|
12.75% |
13.25% |
|
Personal Loan Rates |
|
|
2 Years |
3 Years |
4 Years |
5 Years |
6 Years |
7 Years |
|
"A" Risk |
5.25% |
5.75% |
6.25% |
6.75% |
7.75% |
8.75% |
|
"B" Risk |
6.25% |
6.75% |
7.25% |
7.75% |
8.75% |
9.75% |
|
"C" Risk |
8.25% |
8.75% |
9.25% |
9.75% |
10.75% |
11.75% |
|
"D" Risk |
10.25% |
10.75% |
11.25% |
11.75% |
12.75% |
13.75% |
|
"E" Risk |
12.25% |
12.75% |
13.25% |
13.75% |
14.75% |
15.75% |
SAVINGS RATES
We will be awarding dividends based on the following:
| Amount in Your Share
Account |
% Dividend
Guaranteed |
| $100 – $5,000 |
0.40% |
| $5,001 - $7,500 |
0.50% |
| $7,501 - $10,000 |
0.60% |
| $10,001 - $15,000 |
0.75% |
| $15,001 - $20,000 |
0.85% |
| $20,001 and
above |
1.01%
|
FEES
-
One-time new account processing fee - $2.00
-
Annual membership fee - $2.00
-
Negative balance fee after 5 days -
$10.00
-
Returned item fee - $30.00/item
-
Overdraft fee - $30.00/item
-
Wire Transfers - $15.00
-
Duplicate Lien Release (members)
$5.00 (Non-members) $20.00
-
Additional Statement Copies $0.75/page
-
Third Party Check fee - $0.75
-
Photo copy of Check - $7.50
-
Fax Photo copy of Check - $10.00
-
Dormant account fee - $10.00/month -
Accounts with no communication or
verification of contact information within 3.75 years are
considered dormant, and the monthly fee will be imposed
until the account is brought current. If, after 5 years, we
are unable to contact you regarding your account, it will be
turned over to the New York State Abandoned Property Office.
-
Invalid membership fee - $10.00/month -
If the share account balance drops below
$25.00.
|
