Rate Specials:

Auto Loan Special 
NEW MONEY ONLY! NO WBVFCU Refi’s!

New/Untitled or Used/Previously Titled:

$25,000 or more:
2015-2017     (Up to 84 mos.) 3.49% APR
$15,000 or more:
2013-2016     (Up to 72 mos.) 2.49% APR

Used/Previously Titled:
2009-2012     (Up to 60 mos.) 2.49% APR
2007-2008     (Up to 48 mos.) 6.99% APR
Now thru May 29, 2017

Home Equity Loan Special!
Call our member service department for a rate quote!

Now thru
May 29, 2017

 

 Our Current Rates:

Auto Loans I Personal Loans I Home Equity Loans I Home Equity Line of Credit I Recreational Vehicles I Student Loans I Savings Rates I Share Certificate Rates I Personal Line of Credit I Home Mortgages ITiered Money Market Accounts |   Youth 2-5-0 Share Certificate | IRA Share Accounts

 

Savings Rates
  APR APY
Share (savings) ................................................. 0.10% 0.10%
Preferred Checking...........................................    
> $500.00......................................................... 0.05% 0.05%
$0.00 - $499.99................................................ 0.00% 0.00%
Back on Track Checking ............................... 0.00% 0.00%
Senior Checking .............................................. 0.05% 0.05%
Standard Checking ........................................... 0.00% 0.00%
Youth Club Account.......................................... 0.25% 0.25%
Christmas Club Account.................................... 0.15% 0.15%
U Name It Account ............................................ 0.10% 0.10%

Rates May Change without prior notice

(See Disclosure of Account Terms)  Fee Schedule


Tiered Money Market Accounts
APR APY
> $100,000.00...........................................
0.10% 0.10%
$50,000.00 - $99,999.99 ...........................
0.10% 0.10%
$25,000.00 - $49,999.99 ...........................
0.10% 0.10%
$10,000.00 - $24,999.99............................
0.10% 0.10%
$  5,000.00 - $  9,999.99 ...........................
0.10%  0.10% 
$  2,500.00 - $  4,999.99 ...........................
0.10% 0.10%
$ 0.00 - $  2,499.99 ...................................
0.00% 0.00%


Minimum balance to earn dividends is $2,500.00
The minimum dollar amount on any withdrawal or  transfer will be $1,000.
There are no limits on the dollar amounts
or number of deposits made during the month.


IRA Share Accounts
APR APY
Share (savings) ..............................................
0.20% 0.20%
 

IRA Certificate Rates
$500 (Minimum Deposit)
  APR APY
6 month ............................................................. 0.34% 0.35%
9 months ........................................................... 0.39% 0.40%
12-months ......................................................... 0.44% 0.45%
18-months ......................................................... 0.49% 0.50%
24-months ......................................................... 0.59% 0.60%
36-months ......................................................... 0.89% 0.90%
48-months ......................................................... 1.09% 1.10%
60-months ......................................................... 1.53% 1.55%

Add 10BP over $25,000.00

Rates May Change without prior notice



Share Certificate
$500 (Minimum Deposit)
  APR APY
6 month ............................................................. 0.30% 0.30%
9 months ........................................................... 0.34% 0.35%
12-months ......................................................... 0.39% 0.40%
18-months ......................................................... 0.44% 0.45%
24-months ......................................................... 0.54% 0.55%
36-months ......................................................... 0.84% 0.85%
48-months ......................................................... 1.04% 1.05%
60-months ......................................................... 1.49% 1.50%

Add 10BP over $25,000.00

Rates May Change without prior notice


Youth 2-5-0 Share Certificate
$250 (minimum deposit)
  APR APY
2.50 years (30 months) ..................................... 1.24% 1.25%

Rates May Change without prior notice


Early withdrawal penalties apply to certificates of deposit. Withdrawals from certificates of deposit prior to end of stated terms will reduce earnings. Certain restrictions apply. (See Disclosure of Account Terms)   Fee Schedule

Fixed Rate Loans ****

Automobile Loans
New/ Untitled or Used/Previously Titled  
$25,000 or more:  
2015-2017 (up to 84 months) .................................................. 4.24% APR
$15,000 or more:  
2013-2017 (up to 72 months) ...................................................... 3.24% APR
Used/Previously Titled  
2009-2012 (up to 60 months) ...................................................... 3.24% APR
2007-2008 (up to 48 months) ...................................................... 7.24% APR

 

Get a Quick Quote on your car at the NADA Web Site

Personal Loans
Personal Loans (up to 60 months) $15,000 max ** .................... 11.15% APR
Share Secured (up to 36 months) ............................................... 5.00% APR
Share Secured (up to 60 months) ............................................... 5.50% APR
Share Secured (61-120 months) ................................................. 6.00% APR
VISA No Annual Fee, $10,000 maximum ** ............................... 10.65% APR
VISA Cash Advances ** ............................................................ 10.65% APR

** The Maximum credit limit is not guaranteed to every applicant and will be subject to the applicant's qualifications.


Home Equity Loans *
Rates are subject to change based on the government controlled index.

 Please call the credit union for a current rate quote.

   
   
   
   
   
 
 
 

Calculate the available equity for your home

Recreational Vehicle Loans
New*** & Used Recreational Vehicles:  
Loan Amount              Max. Loan Term        
$0.00 - $15,000              60 months
8.40% APR
$15,001 - $30,000         84 months
8.40% APR
$30,001 and up             120 months
8.40% APR
All Terrain Vehicle (up to 60 months) ..........................................................................
8.40% APR
Boat & Water Recreational Vehicles Loans (up to 60 months) ...................................
8.40% APR

*** A new recreational vehicle is described as an untitled vehicle with less than 2,000 miles

**** Loan rates may vary based upon borrower's qualifications.

Variable Rate Loans

Home Equity Line of Credit
Up to 80% of the available equity in a primary residence.

The variable rate is adjusted semi-annually in March and September. The rate is computed by adding .50% to the Prime Rate as published in the Wall Street Journal. Annual rate change cap of 2.00%; over all maximum rate cap of 18%.


Personal Line of Credit **
The Personal Line of Credit is adjusted semi-annually in March and September. The rate is computed by adding 3.00% to the Prime Rate as published in the Wall Street Journal. Annual rate change cap of 2.00%; over all maximum rate cap of 18%.

Mortgages 
Mortgage rates are subject to change on a daily basis. For current rates stop by the Loan Department or call (570) 323-9407 or (800) 326-9539

Calculate Your Available Home Equity

Student Loans
 

CU Student Choice Loans:

Credit Tier FICO Score Interest Rate*
1 730+ Prime + 2.50%
2 700 - 729 Prime + 3.00%
3 680 - 699 Prime + 4.00%
4 660 - 679 Prime + 5.00%

[1.75 inch Equal Housing Opportunity Logo]* Variable rate based on Prime Interest Rate Index. Index may adjust quarterly (Jan, Apr, Jul, Oct). Floor rate of 5.00% and a maximum rate of 18.00%


Fee Schedule

 

West Branch Valley Federal Credit Union
Phone: (570) 323-9407  |  Toll Free: (800) 326-9539  |  Fax: (570) 323-2154  |  email: mail@wbvfcu.org