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Personal Loan Rates

Personal Loan Rates

Determining Your Annual Percentage Rate (APR)

Our staff will always work with you to get you the best possible personal loan rate for your individual situation. Not sure where you stand with your credit report? We’ll review your credit report with you, and recommend steps to improve or maintain your credit score. Interest rates on loans are determined by a number of factors. We pay close attention to these when acquiring your personal loan rate.

Credit rating
Payment history
Collateral age (when appropriate)
Loan term

Get the Best Rate!

For your next purchase or refinance, WESTconsin Credit Union offers discounts on our already low personal loan rates including:

A .25% or .50% discount that is determined by your Membership Value Pricing (MVP) program status.
Flexible terms up to 24, 36, 48, 60, 72^** and 84^** months!

Resource: Credit Scores—Understanding your FICO® Score

Personal Loan Rates

Vehicle Loans

Rates shown based on Gold MVP level, A+ credit score, and loan term.

Account Term	APR as low as*	Monthly payment per $1,000 borrowed
Secured Vehicles \| 2020 and newer
Up to 24 Months	5.99%	$44.33
Up to 36 Months	6.24%	$30.54
Up to 48 Months	6.49%	$23.72
Up to 60 Months	6.74%	$19.69
Up to 72 Months	6.99%	$17.05
Up to 84 Months**	7.49%	$15.34
Secured Vehicles \| 2016-2019
Up to 24 Months	7.24%	$44.89
Up to 36 Months	7.49%	$31.11
Up to 48 Months	7.74%	$24.30
Up to 60 Months	7.99%	$20.28
Up to 72 Months**	8.49%	$17.78
Secured Vehicles \| 2015 and older
Up to 24 Months	8.74%	$45.58
Up to 36 Months	8.99%	$31.81
Up to 48 Months	9.24%	$25.01
Up to 60 Months	9.49%	$21.01

*Lowest Secured and Unsecured rates above assume A+ credit score and Gold MVP level.
**Term is subject to creditworthiness.

Recreation Vehicle Loans

Rates shown based on Gold MVP level, A+ credit score, and loan term.

Account Term	APR as low as*	Monthly payment per $1,000 borrowed
Secured Vehicles \| 2017 and newer
Up to 24 Months	6.74%	$44.67
Up to 36 Months	6.99%	$30.88
Up to 48 Months	7.24%	$24.07
Up to 60 Months	7.49%	$20.04
Up to 72 Months	7.74%	$17.42
Up to 84 Months**	8.24%	$15.72
Secured Vehicles \| 2016 and older
Up to 24 Months	9.24%	$45.81
Up to 36 Months	9.49%	$32.04
Up to 48 Months	9.74%	$25.25
Up to 60 Months	9.99%	$21.25
Up to 72 Months**	10.49%	$18.78

*Lowest Secured and Unsecured rates above assume A+ credit score and Gold MVP level.
**Term is subject to creditworthiness.

Unsecured Personal Loans

Account Term		APR as low as*	Monthly payment per $1,000 borrowed
Up to 48 months		11.75%	$26.22
Up to 60 months		13.25%	$22.89

Kwik Cash

Account Term	APR as low as*	Monthly payment per $1,000 borrowed
Ready Reserve Transfers to Checking: $2 each, $1 each for Silver, No Charge for Gold MVP	13.25%	$20 or $4 per $100 borrowed, whichever is greater

The above rates are subject to change at any time without notice. Other rates and terms are also available. Rates subject to credit approval. Down payment requirements may apply. The credit union may impose document or other fees, including but not limited to any minimum, fixed, transaction, activity or similar charge.
*Lowest Secured and Unsecured rates above assume A+ credit score and Gold MVP level.

Platinum Visa Credit Cards

Account Term	APR as low as	Monthly payment per $1,000 borrowed
No Maximum	9.00%	3% of statement balance or $10, whichever is greater

APR=Annual Percentage Rate. APR may change after account opening. Credit card subject to credit approval and qualification, membership is required. No fee for cash advance; foreign transaction fee is 1% of each transaction amount and charged in U.S. dollars. No annual fee. Refer to our disclosures and service fees for more information.
*Lowest Secured and Unsecured rate above assumes A+ credit score and Gold MVP level.

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Personal Loan Rates

Determining Your Annual Percentage Rate (APR)

Get the Best Rate!

Personal Loan Rates

Vehicle Loans

Recreation Vehicle Loans

Unsecured Personal Loans

Kwik Cash

Platinum Visa Credit Cards

WESTconsin Credit Union Notification:

WELCOME! YOU ARE ABOUT TO ACCESS SERVICES PROVIDED BY CUNA MUTUAL GROUP.

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Personal Loan Rates

Determining Your Annual Percentage Rate (APR)

Get the Best Rate!

Personal Loan Rates

Vehicle Loans

Recreation Vehicle Loans

Unsecured Personal Loans

Kwik Cash

Platinum Visa Credit Cards

WESTconsin Credit Union Notification:

WELCOME! YOU ARE ABOUT TO ACCESS SERVICES PROVIDED BY CUNA MUTUAL GROUP.