Rate Specials:

Going on now!
Auto Loan Special 
NEW MONEY ONLY! NO WBVFCU Refi’s!
New – 2006…………………………1.99%
2004-2005 (Up to 36 mos.) ………..4.99%
September 2 thru November 3, 2014

 Our 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 (effective 08/01/2012)
  APR APY
Share (savings) ................................................. 0.10% 0.10%
Preferred Checking...........................................    
> $500.00......................................................... 0.05% 0.05%
$0.00 - $499.99................................................ 0.00% 0.00%
Second Chance Checking ............................... 0.00% 0.00%
Senior Checking .............................................. 0.05% 0.05%
Standard Checking ........................................... 0.00% 0.00%
Youth Club Account.......................................... 0.25% 0.25%
2014 Christmas Club ......................................... 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 (effective 08/01/2012)
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 (effective 08/01/2012)
APR APY
Share (savings) ..............................................
0.20% 0.20%
 

IRA Certificate Rates (effective 05/29/2012)
$500 (Minimum Deposit)
  APR APY
6 month ............................................................. 0.20% 0.20%
9 months ........................................................... 0.20% 0.20%
12-months ......................................................... 0.30% 0.30%
18-months ......................................................... 0.34% 0.35%
24-months ......................................................... 0.39% 0.40%
36-months ......................................................... 0.69% 0.70%
48-months ......................................................... 0.79% 0.80%
60-months ......................................................... 0.79% 0.80%

Add 10BP over $25,000.00

Rates May Change without prior notice



Share Certificate (effective 05/29/2012)
$500 (Minimum Deposit)
  APR APY
6 month ............................................................. 0.15% 0.15%
9 months ........................................................... 0.15% 0.15%
12-months ......................................................... 0.25% 0.25%
18-months ......................................................... 0.30% 0.30%
24-months ......................................................... 0.34% 0.35%
36-months ......................................................... 0.64% 0.65%
48-months ......................................................... 0.74% 0.75%
60-months ......................................................... 0.74% 0.75%

Add 10BP over $25,000.00

Rates May Change without prior notice


Youth 2-5-0 Share Certificate (effective 05/29/2012)
$250 (minimum deposit)
  APR APY
2.50 years (30 months) ..................................... 0.99% 1.00%

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 (effective 10/30/2012)
New Vehicles: Untitled (up to 72 months)........................................... 3.49% APR
Used Vehicles:  
2012-2014 (up to 72 months)*................................................... 3.49% APR
2009-2011 (up to 60 months)....................................................... 3.49% APR
2006-2008 (up to 48 months) ...................................................... 3.49% APR
2004-2005 (up to 36 months) ...................................................... 5.99% APR

* Minimum loan amount is $25,000 for the 72 month term for a used vehicle.

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

Personal Loans (effective 04/01/2008)
Personal Loans (up to 60 months) $10,000 max ** .................... 11.40%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 * (effective 06/01/2010)
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 Loan **** (effective 05/29/2012)
New Recreational Vehicle (up to 120 months) *** .....................................................
8.40% APR
New Recreational Vehicle over $50,000  (up to 180 months) *** ..............................
8.40% APR
Used Recreational Vehicle (up to 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