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Loan Rates

EFFECTIVE April 26, 2017

Secured Vehicle Loans - APR* as low as
24 Months 36 Months 48 Months 60 Months 72 Months 84 Months
2.00% 2.25% 2.50% 2.75% 3.00% 3.50%
Secured Recreational Vehicle Loans - APR* as low as
24 Months 36 Months 48 Months 60 Months 72 Months 84 Months
3.25% 3.50% 3.75% 4.00% 4.25% 4.75%
Recreational Vehicles Above $25,000 - APR* as low as
96 Months 108 Months 120 Months 136 Months 144 Months
4.75% 4.75% 4.75% 5.00% 5.00%

For example, an auto loan with a balance of $10,000 with an APR of 2.50% for 48 months would result in a payment of $219.16 per month.

Personal Loans
Loan Type APR* as low as
Unsecured Signature Loan 8.50%
Overdraft Line of Credit 12.25%
PayDay Smart Loans 17.95%
EMV VISA Platinum Credit Cards
Card Type APR* as low as
No Rewards 8.90%
Rewards 9.90%
Mortgage & Home Equity Loans
Loan Type APR* as low as
In-House 15 Year First Mortgage 4.050%
Secondary Market Mortgage (30 Year & Government) 4.410%
Streamline First Mortgage 3.650%
Second Mortgage (Home Equity Fixed Rate Loan) 4.000%
Introductory Rate Home Equity Line of Credit 2.900%
In-House Investment Property Loans (15 Year) 4.375%
Commercial Real Estate Loan (15 Year) 5.625%

*APR = Annual Percentage Rate. Rates "as low as" dependent on creditworthiness, Auto Pay, and/or SmartPoints discounts. Auto Pay and SmartPoints discounts are not available for the Overdraft Lines of Credit, PayDay Loans or Real Estate Loans (with the exception of Streamline Mortgages). Rates can change at any time. Introductory Rate HELOC dependent on the loan-to-value (LTV) percentage. For example, a Second Mortgage (Home Equity Fixed Rate Loan) with a balance of $10,000 with an APR of 4.000%‚Äč for 180 months would result in a payment of $73.99 per month. VISA Credit Card rates are variable and subject to change based on changes in the Prime Rate. VISA Credit Card 3% introductory rate discount for 6 months. The 3% introductory rate discount is good for 12 months on balance transfers. Rates do not apply for refinance of existing WyHy loans. Other terms and conditions may apply. Contact the credit union for full details.