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Routing # 307086691 | Wiring Instructions

Rates

Effective January 25, 2023

Secured Vehicle Loans - APR* as low as
Term APR* as low as
24 Months 6.05%
36 Months 6.30%
48 Months 6.55%
60 Months 6.55%
72 Months 6.80%
84 Months 7.30%
Secured Recreational Vehicle Loans - APR* as low as
Term APR* as low as
24 Months  7.80%
36 Months  8.05%
48 Months  8.30%
60 Months  8.55%
72 Months  8.80%
84 Months  9.30%
96 Months  9.30%
Recreational Vehicles Above $30,000 - APR* as low as
Term APR* as low as
108 Months 9.50%
120 Months 9.55%
144 Months 10.05%
180 Months   10.05%

For example, a vehicle loan with a balance of $10,000 with an APR of 3.15% for 36 months would result in a payment of $291.48 per month.

Personal Loans
Loan Type APR* as low as
Unsecured Personal Loan  12.20%
VISA Platinum Credit Cards
Card Type APR* as low as
Non-Rewards  12.40%
Rewards  13.40%
Purchases and First Mortgage Refinances**
Rates updated at 9:00 MST on January 25, 2023
Type/Term Rate as low as
30 year conventional 5.875%
20 year conventional 5.625%
15 year conventional 4.875%
30 year FHA 5.375%
30 year VA 5.375%
30 year USDA 5.125%
5/1 Adjustable Rate Mortgage 5.375%
7/1 Adjustable Rate Mortgage 5.500%
10/1 Adjustable Rate Mortgage 5.125%
Home Equity
Type Rate as low as

HELOC

8.500% APR*

Max 17.950% APR*

Fixed Term Second Mortgage
(Home Equity Closed End Loan)
5.290%
Streamline 5.740%
Investment Properties
Type Term Rate as low as
Purchase Investment Property 10-30 year 7.750%
Refinance Investment Property 10-30 year 7.750%
Commercial Real Estate   Call for today’s rate

Click here to review some important loan information.

*APR = Annual Percentage Rate. Rates "as low as" dependent on creditworthiness, loan to value, cash out selection, 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. Rates can change at any time. Home loan refinance rates are based on no cash out, adding cash out will adjust the rate. For example, a Second Mortgage (Home Equity Fixed Rate Loan) with a balance of $20,000 with an APR of 4.620% for 180 months would result in a payment of $154.23 per month. VISA Credit Card rates are variable and subject to change based on changes in the Prime Rate. Other terms and conditions may apply. Contact the Credit Union for full details regarding any WyHy loan product and program.

**Mortgage Disclosures
1. The home loan rates shown above assume that the borrower has a FICO® Score of at least a 760+ and a down payment of 20% for all conventional loans, 3.5% for all FHA loans, 3.5% for USDA loans, and 0.00% for VA loans. Rates are based on a 30 day lock period. In order for a loan to be locked you must first complete an application over the phone, online, or in person and receive notification from a WyHy mortgage loan officer that your rate has been locked. Furthermore, rates are based on a single family, primary residence with the assumption of 0.25% in discount points being purchased which is a form of prepaid interest that is collected at closing in exchange for a lower interest rate and monthly payment. 0.25% in discount points is equal to about 0.25% of your loan amount so on a $100,000 loan the cost would be $250. Click here to schedule an appointment to talk with one of our Mortgage Loan Originators to discuss your options regarding discount points.

2. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest rate you pay the lender. The APR may be increased after the closing date for adjustable-rate mortgages.

3. Example of a fixed rate conventional monthly payment: A loan amount of $350,000 with a 30 year term at an interest rate of 5.750% with a down payment of 20% and 0.25% in discount points purchased would result in a monthly principal and interest payment of $2042.50 over the full term of the loan. These terms result in an APR of 5.885%. This monthly payment does not include property taxes, or homeowners insurance which will result in a higher monthly cost, nor does it include mortgage insurance which may be required if the down payment is less than 20%.

4. FHA estimated monthly payment and APR example: A $300,000 base loan amount with a 30-year term at an interest rate of 5.875% with a down payment of 3.5% and 0.25% in discount points purchased would result in an estimated monthly principal and interest payment of $1,805.67 over the full term of the loan with an annual percentage rate (APR) of 6.955%. Estimated monthly payment and APR calculation are based on a down payment of 3.5% and borrower paid finance charges of .657% of the base loan amount. Estimated monthly payment and APR assumes that the upfront mortgage insurance premium of $5,250 is financed into the loan amount. This estimated monthly payment shown here does not include the FHA-required monthly mortgage insurance premium, taxes and insurance premium, and the actual payment obligation will be higher.

5.  VA estimated monthly payment and APR example: A $300,000 base loan amount with a 30-year term at an interest rate of 5.875% with a down payment of 0% and 0.25% in discount points purchased would result in an estimated monthly principal and interest payment of $1,815.43 over the full term of the loan with an annual percentage rate (APR) of 6.155%. Estimated monthly payment and APR calculation are based on a down payment of 0% and borrower paid finance charges of .658% of the base loan amount. Estimated monthly payment and APR assumes that the VA funding fee premium of $6,900 is financed into the loan amount. This estimated monthly payment shown here does not include taxes and insurance premium, and the actual payment obligation will be higher.

6. USDA estimated monthly payment and APR example: A $300,000 base loan amount with a 30-year term at an interest rate of 5.875% with a down payment of 0% and 0.25% in discount points purchased would result in an estimated monthly principal and interest payment of $1,792.54 over the full term of the loan with an annual percentage rate (APR) of 6.035%. Estimated monthly payment and APR calculation are based on a down payment of 3.5% and borrower paid finance charges of .655% of the base loan amount. Estimated monthly payment and APR assumes that the upfront mortgage insurance premium of $3,030 is financed into the loan amount. This estimated monthly payment shown here does not include the required monthly mortgage insurance premium, taxes and insurance premium, and the actual payment obligation will be higher.