Rates

Vehicle

APR* as low asTerm(s)
New Auto Loans Financing up to 100% available for 2017 models or 2016 models with less than 7,000 miles1.99%36 - 72 months
Used Auto Loans Financing up to 100% for models 2010 or newer2.49%36 - 60 months
Motorcycles Financing up to 80% for models 2013 or newer5.50%12 - 48 months

Home/Mortgage

Home Equity Loans up to 85% LTV available with fixed rates or 5/1 ARM programs.3.25%60 - 180 months
Mini Home Equity Loans up to 100% LTV with fixed rate. $25,000 Max Loan Amount.5.99%Up to 60 months
Home Equity Line of Credit Loans up to 80% LTV available. Rate is variable month to month depending on the Prime Rate. Introductory rate is fixed for the first year.3.25%10 year draw and
10 year repayment
First Mortgage - 5/1 ARM Loans up to 95% LTV available. Mortgage insurance required over 80% LTV. Interest rate is fixed for the 1st five years, then variable each year thereafter.3.875%360 months
First Mortgage 15 year Loans up to 80% LTV available. Interest rate is fixed for the term of the loan.3.875%180 months

Personal/Credit Card

Fresh Start Loans - We are here to help! Get a chance to start fresh and build good credit. Loans up to $2,000 available17.99%12 - 36 months
Personal Loans Amount of personal loans are dependent on credit rating. Loans for $2,000 up to $16,000 available6.49%36 - 60 months
Share Secured Loans Amount of loan depends directly on available funds on deposit with the Credit Union. Interest rate can vary depending on the corresponding rate earned on deposit.3.00%12 - 84 months
VISA Credit Card A fixed rate credit card line available from $500 up to $10,000. The rate and line amount are dependent on credit rating. Ask about our balance transfer options! NO ANNUAL FEECredit Card RatesRevolving line
Overdraft Lines of Credit This loan compliments your Western Connecticut FCU Checking Account. Lines up to $3,000 available.6.25%Revolving line

*APR = Annual Percentage Rate. Rates are effective 7/1/2017. All rates disclosed are dependent on your credit rating. Other rates and terms may apply, please contact the credit union for details. Application fees are associated with Home Equity and First Mortgage Loans, please contact the credit union for details and more information. The loan department can be reached by calling 203-791-9399, Option 4.

Savings Account

Minimum
Deposit
Interest Earned
on Deposit of
Dividend
Rate
APY
Basic Savings$300$100 and up0.050.050%
Premium Savings$1,000$100 and up0.100.100%
Basic Checking
Premium Checking$1,000$750 and up0.050.050%
Minor/Youth Savings$10$10 and up0.250.250%
Money Market$2,000$2,000-$24,9990.100.100%
Money Market$2,000$25,000-$49,9990.150.150%
Money Market$2,000$50,000 and up0.200.200%
Holiday Club$10$10 and up0.300.300%
Vacation Club$10$10 and up0.300.300%
IRA Share/Health Savings$10$10 and up0.250.250%
Growth Share Increase $500 or more, exclusive of dividends, each month and earn 0.15% APY* during the next month. Earn 0.05% APY* as a minimum rate if the increase is not made that month. The account becomes a basic share account if the increase is not made for two consecutive months.$500$500 and up0.150.150%

Rates are subject to change without notice. Rates effective 7/1/2017.

Certificates

Regular, Term and and IRA Certificates – Minimum Deposit $2,500.00

TermDividend RateAPY*
6 months0.150.150%
12 months0.450.451%
Save to Win! Special Certificate 12 months0.550.552%
18 months0.600.602%
24 months0.800.803%
36 months1.101.106%
48 months1.351.359%
60 months1.601.613%

*APY = Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. Dividends are compounded monthly and are credited on a monthly basis. The balance used to pay dividends is the average daily balance per calendar month. Rates effective 7/1/2017.

Credit Cards

Our Credit Card program gives you the purchasing power of the VISA® logo with competitive rates and terms. This is a program that offers long term savings with no annual fee, low interest rates, a grace period of 25 days on purchases, and various balance transfer specials. Apply Now using our online application system. UChoose Rewards is a valuable points-earning benefit for WCFCU Visa® Check Card and Credit cardholders. Click here to learn more. Click here to report a lost or stolen card. IMPORTANT DISCLOSURE INFORMATION

Annual Percentage Rate for Purchases:7.99% up to 17.00% When you open your account based on creditworthiness
Annual Percentage Rate for Balance Transfers:5.99% up to 17.00% Ask about our Special Offer! The interest rate for this special offer is based on creditworthiness. The interest rate granted for the balance transfer special is valid for the life of the balance and the special offer is available until 9/30/15.
Annual Percentage Rate for all regular Cash Advances:17.0%
How To Avoid Paying Interest on Payments RatesYour due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips From The Federal Reserve Board RatesTo learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at: http://www.federalreserve.gov/creditcard.
Set-Up And Maintenance Fees
Annual Fees:
NONE
Lost Card Replacement:
$10.00
Copy of Statement/Draft:
$10.00
Rush Card order:
$20.00
Unauthorized Use/Card Pickup:
$50.00
Cash Advance:
$5.00
Transaction FeesNone
Penalty Fees
Late Payment:
up to $25.00
Return Check Fee:
$25.00

How We Will Calculate Your Balance: We use a method called “Average Daily Balance” (including new purchases). See your account agreement for more details. The information about the costs of the card described in the application is accurate as of 7/1/17. This information may have changed after the date. To find out what may have changed, call 203-791.9399. Or you may write to: Western Connecticut Federal Credit Union, VISA® Department, 2 Stony Hill Rd Ste 100, Bethel, CT 06801.