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Rates

EFFECTIVE January 28, 2019

Secured Vehicle Loans - APR* as low as
Term APR* as low as
24 Months 2.90%
24 Months: Payment Saver 4.40%
36 Months 3.15%
36 Months: PaymentSaver 4.65%
48 Months 3.40%
48 Months: PaymentSaver 4.90%
60 Months 3.65%
60 Months: PaymentSaver 5.15%
72 Months 3.90%
72 Months: PaymentSaver 5.40%
84 Months 4.90%
Secured Recreational Vehicle Loans - APR* as low as
Term APR* as low as
24 Months 4.65%
36 Months 4.90%
48 Months 5.15%
60 Months 5.40%
72 Months 5.65%
84 Months 6.15%
96 Months 6.15%
Recreational Vehicles Above $30,000 - APR* as low as
Term APR* as low as
108 Months 6.40%
120 Months 6.40%
144 Months 6.90%
180 Months 6.90%

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 9.950%
EMV VISA Platinum Credit Cards
Card Type APR* as low as
Non Rewards New Year Special 3.99%¹ 10.40%
Rewards New Year Special 3.99%¹ 11.40%
Mortgage & Home Equity Loans
Loan Type APR* as low as
In-House 15 Year First Mortgage 4.650%
Secondary Market Mortgage (30 Year & Government) Call for today's rate
Streamline First Mortgage 4.250%
Second Mortgage (Home Equity Fixed Rate Loan) 4.550%
Home Equity Line of Credit (HELOC) 6.000%
In-House Investment Property Loans (15 Year) 5.4060%
Commercial Real Estate Loan (15 Year) Call for today's rate

Click here to review some important loan information.

*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. 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. 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. PaymentSaver Auto Loan: All loans are subject to credit approval. Valid toward vehicles that are 5 years old or newer. Subject to mileage restrictions. This is a balloon lending program and various terms and rates are available. Other terms and conditions may apply. Contact the Credit Union for full details regarding any WyHy loan product and program.

¹VISA Credit Card New Year Special is valid on balance transfers, purchases and cash advances made from January 1, 2019 until February 28, 2019. The 3.99% APR is in effect on these transactions through August 2019. The rate on these transactions will then revert to the existing rate on the account after August 2019. Offer applies to all existing WyHy VISA Credit Card holders and all new WyHy VISA Credit Card holders. No other offer valid with this Special. Contact the Credit Union for full details.