• 1Q22 Vision

    A Shared Vision for the Future

    Western Healthcare FCU + McKesson EFCU

    Learn More about shopping for pre-owned vehicles

  • 1Q22 TurboTax

    Tax Solutions

    And Savings for Members

    Learn More about shopping for pre-owned vehicles

  • 4Q21 Auto Loans

    Save More Shopping
    Pre-Owned Vehicles

    Rates as low as 2.29% APR*

    Learn More about shopping for pre-owned vehicles

  • 3Q21 Real Estate

    Find a Mortgage Loan That Works For You!

    Find the Right Home Loan with Your Credit Union

    Learn More about home loans

  • 1Q21 Visa

    Save More

    With Platinum Visa Credit Cards from WHFCU

    Learn More about Platinum Visa credit cards

  • 3Q21 HELOC

    Achieve Your Dream Vision

    With a Home Equity Line of Credit

    Learn More about home equity lines

Certificate Rates

Certificate TypeDividend RateAPY*TermCompound FrequencyMinimum Balance
Term Share** 0.05% 0.05% 12 month Monthly $2,500
Term Share** 0.05% 0.05% 24 month Monthly $2,500
Term Share** 0.05% 0.05% 36 month Monthly $2,500
Term Share** 0.10% 0.10% 48 month Monthly $2,500
Term Share** 0.10% 0.10% 60 month Monthly $2,500

Effective date:

March 22, 2021

Interest Rates are set by the Board of Directors and are subject to change.

*APY = Annual Percentage Yield. **Early withdrawal penalties apply. Term = Month. Interest rates are set by the Board of Directors and are subject to change.

Savings Rates

Savings Dividend Rate APY* Compound Frequency Minimum Balance
Regular Share Accounts 0.01%  0.01% Monthly $100
Youth Share Accounts 0.01%  0.01% Monthly  $5
Club Share Accounts 0.01%  0.01% Monthly $5
Dividend Checking Accounts 0.01% 0.01% Monthly $2,500
Premier Share Money Market Dividend Rate APY* Compound Frequency Minimum Balance
Level I 0.01% 0.01% Monthly $2,500+
Level II 0.01% 0.01% Monthly $10,000+
Level III 0.01% 0.01% Monthly $25,000+

Effective date:

March 22, 2021

Interest Rates are set by the Board of Directors and are subject to change.

*APY = Annual Percentage Yield.

Loan Rates

Loan TypeMaximum AmountAPR* as low asTerm
Personal Loans Up to $20,000**  9.99% 60 months

March 22, 2021

AutosMaximum AmountAPR* as low asTerm
New/Used Autos
Up to 135% MSRP 2.29% Up to 48 months
Up to 135% MSRP 2.29% 49-60 months
Up to 135% MSRP 2.99% 61-72 months
Up to 135% MSRP 2.99% 73-84 months
Home Equity Loans Base APR* Term 
Home Equity Line of Credit
Up to $150,000
Rate is Variable / Term = 10 Year Draw + 15 Year Repayment
Prime - 0.50% [Up to 70% LTV] Open-End
Prime + 0.50% [71 - 80% LTV] Open-End
Prime + 1.00% [81 - 90% LTV] Open-End
Loan TypeMaximum AmountAPR* as low asTerm
Cash Infusion Loan Up to $750 per household 27.00% with automatic payments
28.00% without automatic payments
Up to 3 months
Loan TypeMaximum AmountAPR* as low asTerm
New Motorcycles Up to 125% MSRP 4.99% up to 48 months
Up to 125% MSRP 5.99% 49 - 72 months
Loan TypeAPR* as low asTerm
Title Loan 18.00% up to 36 months
Loan TypeAPR* as low asTerm
Share Secured Loan 4.55% up to 60 months
Loan TypeAPR* as low asTerm
Certificate Secured Loan Certificate Rate + 3.00%*** Term of Certificate

Effective date: 6/24/21. Interest Rates are set by the Board of Directors and are subject to change.

*APR = Annual Percentage Rate. **Total unsecured debt with WHFCU shall not exceed $27,500 per member (includes Personal, Visa, Line of Credit and Overdraft Advance.) ***Certificate Secured rate is 3% over dividend rate.