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Loan Rates

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

Credit Card LoansMaximum AmountBase APR*Term
VISA Platinum (No Rewards)  $15,000 9.99% Revolving
VISA Platinum (Rewards)  $15,000 11.99% Revolving
Secured VISA $2,500 17.99% Revolving

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.