Rates
Deposit & Share Certificate Rates
Savings rates as of December 1, 2024
General Savings
| Account | Dividend Rate | APY* | |
|---|---|---|---|
| Membership Savings | |||
| $5 minimum opening deposit. | 0.40% | 0.40% | |
| Preferred Checking | |||
| No minimum balance to open or earn dividends. | 0.10% | 0.10% | |
| Legacy Select Checking | |||
| No minimum balance to open. Earn dividends each day the balance is $500 and above. | 0.10% | 0.10% | |
| Legacy Checking Accounts are accounts established at WESTconsin Credit Union prior to January 1, 2021. These accounts will no longer be available to open as new accounts after January 1, 2021 | |||
| Legacy AddsUp Checking | |||
| Balance up to $15,000. | 2.00% | 2.02% | |
| Balance more than $15,000. | 0.40% | 0.40% | |
| If qualifications are not met. | 0.10% | 0.10% | |
| Legacy Checking Accounts are accounts established at WESTconsin Credit Union prior to January 1, 2021. These accounts will no longer be available to open as new accounts after January 1, 2021 | |||
| Business Checking | |||
| Earn dividends each day the balance is $500 and above. | 0.10% | 0.10% | |
| Savings | |||
| No minimum balance to open or earn dividends. | 0.40% | 0.40% | |
| Youth Savings | |||
| Balance up to $2,500 | 2.25% | 2.27% | |
| Balance more than $2,500 | 0.40% | 0.40% | |
| Christmas Club | |||
| No minimum balance to open or earn dividends. | 0.40% | 0.40% | |
| Funeral Trust | |||
| No minimum balance to open or earn dividends. | 0.40% | 0.40% | |
| HSA Checking | |||
| $0-$9,999.99 | 0.40% | 0.40% | |
| $10,000 and more | 1.25% | 1.26% | |
Money Market
| Account | Dividend Rate | APY* | |
|---|---|---|---|
| $0-$9,999.99 | 0.40% | 0.40% | |
| $10,000-$24,999.99 | 1.25% | 1.26% | |
| $25,000-$49,999.99 | 1.50% | 1.51% | |
| $50,000-$99,999.99 | 1.75% | 1.76% | |
| $100,000 and more | 1.90% | 1.92% | |
| No minimum balance to open. | |||
Achieve Money Market
| Account | Dividend Rate | APY* | |
|---|---|---|---|
| $0-$24,999.99 | 1.25% | 1.26% | |
| $25,000 and more | 1.90% | 1.92% | |
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Share Certificates and IRAs
Certificate rates as of November 1, 2024
| Deposit Amount | Basic MVP** Level | Silver MVP** Level | Gold MVP** Level | |||||
|---|---|---|---|---|---|---|---|---|
| Term | Compounded | Minimum Balance to Open & Earn APY | Dividend Rate | APY* | Dividend Rate | APY* | Dividend Rate | APY* |
| 3 month | @Maturity | $5,000.00 | 0.40% | 0.40% | 0.55% | 0.55% | 0.75% | 0.75% |
| 6 month | Monthly | $1,000.00 | 4.00% | 4.07% | 4.15% | 4.23% | 4.35% | 4.44% |
| 12 month | Monthly | $1,000.00 | 4.00% | 4.07% | 4.15% | 4.23% | 4.35% | 4.44% |
| 18 month | Monthly | $1,000.00 | 2.05% | 2.07% | 2.20% | 2.22% | 2.40% | 2.43% |
| 24 month | Monthly | $1,000.00 | 2.10% | 2.12% | 2.25% | 2.27% | 2.45% | 2.48% |
| 36 month | Monthly | $1,000.00 | 2.20% | 2.22% | 2.35% | 2.38% | 2.55% | 2.58% |
| 36 month Step-Up | Monthly | $5,000.00 | 1.75% | 1.76% | 1.90% | 1.92% | 2.10% | 2.12% |
| 48 month | Monthly | $1,000.00 | 2.30% | 2.32% | 2.45% | 2.48% | 2.65% | 2.68% |
| 60 month | Monthly | $1,000.00 | 2.40% | 2.43% | 2.55% | 2.58% | 2.75% | 2.78% |
| 18 month Fixed Rate IRA | Monthly | $500.00 | 2.05% | 2.07% | 2.20% | 2.22% | 2.40% | 2.43% |
| 60 month Fixed Rate IRA | Monthly | $500.00 | 2.40% | 2.43% | 2.55% | 2.58% | 2.75% | 2.78% |
| 18 month Variable Rate IRA | Daily | $50.00 | 4.80% | 4.92% | 4.80% | 4.92% | 4.80% | 4.92% |
| 12 month Fixed Rate Health Savings | Monthly | $500.00 | 4.00% | 4.07% | 4.15% | 4.23% | 4.35% | 4.44% |
*APY = Annual Percentage Yield. Minimum deposit of $1,000 required ($500 if age 16 or younger). Dividends are calculated on a daily balance and credited and compounded monthly. Rates, terms and conditions are subject to change. Early withdrawals and service charges may reduce earnings. Other conditions or restrictions may apply. Refer to our disclosures and service fees for more information.
*Reach Membership Value Pricing (MVP) Level with direct deposit into an active WESTconsin personal checking account and $15,000 in balances for Silver, or $30,000 or a first mortgage real estate loan for Gold.
Annual Percentage Yields (APY)
Share Certificates and IRAs can be automatically renewed. Annual percentage yields (APYs) subject to change. Early withdrawal penalty: 90 days dividends on 3-12 month terms, 180 days on 18-24 month terms, 365 days on 36-60 month term, Health Savings Accounts and IRAs. Dividends are calculated on a daily balance, and credited and compounded monthly. Dividend rates and APYs may be changed monthly after the account is opened, based on market conditions. Withdrawals and service charges may reduce earnings. Rates/APY subject to change.
Please contact us about fees, terms or for more information about any of these accounts.
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 | 5.49% | $44.09 | |
| Up to 36 Months | 5.74% | $30.31 | |
| Up to 48 Months | 5.99% | $23.48 | |
| Up to 60 Months | 6.24% | $19.45 | |
| Up to 72 Months | 6.49% | $16.81 | |
| Up to 84 Months** | 6.99% | $15.09 | |
| Secured Vehicles | 2016-2019 | |||
| Up to 24 Months | 6.74% | $44.65 | |
| Up to 36 Months | 6.99% | $30.87 | |
| Up to 48 Months | 7.24% | $24.06 | |
| Up to 60 Months | 7.49% | $20.04 | |
| Up to 72 Months** | 7.99% | $17.53 | |
| Secured Vehicles | 2015 and older | |||
| Up to 24 Months | 8.24% | $45.34 | |
| Up to 36 Months | 8.49% | $31.56 | |
| Up to 48 Months | 8.74% | $24.76 | |
| Up to 60 Months | 8.99% | $20.76 | |
*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 | 6.24% | $44.43 | |
| Up to 36 Months | 6.49% | $30.64 | |
| Up to 48 Months | 6.74% | $23.83 | |
| Up to 60 Months | 6.99% | $19.80 | |
| Up to 72 Months | 7.24% | $17.17 | |
| Up to 84 Months** | 7.74% | $15.46 | |
| Secured Vehicles | 2016 and older | |||
| Up to 24 Months | 8.74% | $45.56 | |
| Up to 36 Months | 8.99% | $31.08 | |
| Up to 48 Months | 9.24% | $25.00 | |
| Up to 60 Months | 9.49% | $21.00 | |
| Up to 72 Months** | 9.99% | $18.53 | |
*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 | 11.50% | $26.09 | |
| Up to 60 months | 13.00% | $22.75 | |
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 | 13.00% | $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 | |
*Lowest Secured and Unsecured rate above assumes A+ credit score and Gold MVP level.
Mortgage Loan Rates
Fixed Rate Mortgages
When people think about getting a mortgage, a long-term, fixed rate loan is one of the most common options. A fixed-rate mortgage loan has a monthly principal and interest payment that does not change over the life of the loan. At WESTconsin Credit Union, there are no pre-payment penalties on a fixed-rate mortgage loan, making future refinance considerations more feasible should rates decrease or accessing equity is desired. Contact one of our Mortgage Loan Originators to learn more about WESTconsin’s mortgage options and how we may help to support your homeownership and financial goals.
| Rate | APR1 | Monthly Payment | ||
|---|---|---|---|---|
| 30 year Fixed | 7.000% | 7.152% | $1597.00 | |
| 20 year Fixed | 6.875% | 7.072% | $1843.00 | |
| 15 year Fixed | 6.625% | 6.688% | $2107.00 | |
| 10 year Fixed | 6.500% | 6.588% | $2725.00 | |
Adjustable Rate Mortgages (ARMs)A
| Rate | APR1 | Monthly Payment | ||
|---|---|---|---|---|
| 5/6 mo. ARM | 6.250% | 6.954% | $1478.00 | |
| 7/6 mo. ARM | 6.500% | 6.952% | $1517.00 | |
WESTconsin ARMs
WESTconsin ARMs are an option if you have had some credit problems in the past, or you are financing a home that may not meet typical financing conditions.
| Rate | APR1 | Monthly Payment | ||
|---|---|---|---|---|
| WESTconsin 5/6 mo. ARM | 7.250% | 7.653% | $1637.00 | |
| WESTconsin 7/6 mo. ARM | 7.500% | 7.712% | $1678.00 | |
Jumbo Mortgage
| Rate | APR2 | Monthly Payment | ||
|---|---|---|---|---|
| Jumbo 5/6 mo. ARM | 6.250% | 6.926% | $5418.00 | |
| Jumbo 7/6 mo. ARM | 6.500% | 6.924% | $5562.00 | |
Construction Mortgage
| Rate | APR3 | Monthly Payment | ||
|---|---|---|---|---|
| Construction 7/6 mo. ARM | 6.500% | 7.117% | $1534.00 | |
Vacant Land
| Rate | APR4 | Monthly Payment | ||
|---|---|---|---|---|
| Vacant Land 3/6 mo. ARM | 7.375% | 8.572% | $553.00 | |
| Vacant Land 5/6 mo. ARM | 7.750% | 8.514% | $573.00 | |
Home Equity Loans
| CLTVb | Rate | APR5 | Monthly Payment | ||
|---|---|---|---|---|---|
| Closed-end 2nd 7/6 mo. ARM | Up to 80% | 7.750% | 8.273% | $215.00 | |
| Closed-end 2nd 7/6 mo. ARM | 80%-90% | 8.250% | 8.984% | $225.00 | |
| HCLTVc | APR6 as low as | ||
|---|---|---|---|
| Home Equity Line of Credit (HELOC) | Up to 80% | 7.500% | |
| Home Equity Line of Credit (HELOC) | Over 80% | 8.500% | |
1) Interest rate and APR are subject to change without notice and published rates do not constitute a loan offer. APR = Annual Percentage Rate - The rate that reflects the actual, annual cost of the loan and includes the loan interest rate, private mortgage insurance (PMI), discount points, and some fees. Payment examples reflect a monthly payment of principal and interest only and your actual payment may be higher. Your actual rate and payment may be different, and will be based on your mortgage application and is subject to review for qualification. Your actual loan amount, finance charges, credit history, and transaction type are some examples of information from the mortgage application that can impact your actual rate and payment. An escrow account for real estate taxes, property insurance, and private mortgage insurance and flood insurance (if applicable) may be required. Rates and payments are based upon a loan amount of $260,000.00 for a single-family, owner-occupied home, assumes a limited cash out refinance with 80% loan-to-value, and a representative credit score of 740+. Loan may be subject Loan Level Pricing Adjustments, charged in the form of points, which are based upon the selected loan program and your specific loan application. Your actual APR will be based upon your final loan amount and applicable costs. All loans are subject to credit approval and membership eligibility.
2) Jumbo is used to describe a loan amount that exceeds the maximum loan amounts of conforming loans. Interest rate and APR are subject to change without notice and published rates do not constitute a loan offer. APR = Annual Percentage Rate - The rate that reflects the actual, annual cost of the loan and includes the loan interest rate, private mortgage insurance (PMI), discount points, and some fees. Payment examples reflect a monthly payment of principal and interest only and your actual payment may be higher. Your actual rate and payment may be different, and will be based on your mortgage application and is subject to review for qualification. Your actual loan amount, finance charges, credit history, and transaction type are some examples of information from the mortgage application that can impact your actual rate and payment. An escrow account for real estate taxes, property insurance, and private mortgage insurance and flood insurance (if applicable) may be required. Rates and payments are based upon a loan amount of $880,000 for a single-family, owner-occupied home, assumes a limited cash out refinance with 80% loan-to-value, and a representative credit score of 740+. Loan may be subject Loan Level Pricing Adjustments, charged in the form of points, which are based upon the selected loan program and your specific loan application. Your actual APR will be based upon your final loan amount and applicable costs. All loans are subject to credit approval and membership eligibility.
3) Our construction loan allows a building period up to a maximum of 12 months, and only require interest-only payments during the construction period. One-time and two-time closing opportunities may be available in certain circumstances. Interest rate and APR are subject to change without notice and published rates do not constitute a loan offer. APR = Annual Percentage Rate - The rate that reflects the actual, annual cost of the loan and includes the loan interest rate, private mortgage insurance (PMI), discount points, and some fees. Payment examples reflect a monthly payment of principal and interest only and your actual payment may be higher. Your actual rate and payment may be different, and will be based on your mortgage application and is subject to review for qualification. Your actual loan amount, finance charges, credit history, and transaction type are some examples of information from the mortgage application that can impact your actual rate and payment. An escrow account for real estate taxes, property insurance, and private mortgage insurance and flood insurance (if applicable) may be required. Rates and payments are based upon a loan amount of $260,000 for a single-family, owner-occupied home, assumes a construction refinance (lot already owned), with 80% loan-to-value, and a representative credit score of 740+. Loan may be subject Loan Level Pricing Adjustments, charged in the form of points, which are based upon the selected loan program and your specific loan application. Your actual APR will be based upon your final loan amount and applicable costs. All loans are subject to credit approval and membership eligibility.
4) Interest rate and APR are subject to change without notice and published rates do not constitute a loan offer. APR = Annual Percentage Rate - The rate that reflects the actual, annual cost of the loan and includes the loan interest rate and some fees. Payment examples reflect a monthly payment of principal and interest only and your actual payment may be higher. Your actual rate and payment may be different, and will be based on your mortgage application and is subject to review for qualification. Your actual loan amount, finance charges, credit history, and transaction type are some examples of information from the mortgage application that can impact your actual rate and payment. In some instances, an escrow account for real estate taxes, property insurance, and flood insurance (if applicable) may be required. Rates and payments are based upon a loan amount of $80,000.00 for non-investment, residential-buildable or recreational land, assumes a limited cash out refinance with 80% loan-to-value, and a representative credit score of 740+.Your actual APR will be based upon your final loan amount and applicable costs. All loans are subject to credit approval and membership eligibility.
5) Interest rate and APR are subject to change without notice and published rates do not constitute a loan offer. APR = Annual Percentage Rate - The rate that reflects the actual, annual cost of the loan and includes the loan interest rate, private mortgage insurance (PMI), discount points, and some fees. HCLTV = Home Equity Combined-Loan-To-Value - The sum of the loan amount of the first mortgage, the full amount of any HELOCs (whether or not funds have been drawn), and the unpaid principal balance of any closed-end financing against a property compared against that property's total value. The listed payment examples reflect a monthly payment of principal and interest only and your actual payment may be higher. Your actual rate and payment may be different, and will be based on your mortgage application and is subject to review for qualification. Your actual loan amount, finance charges, and credit history are some examples of information from the mortgage application that can impact your actual rate and payment. Rates and payments are based upon a loan amount of $30,000.00 for a single-family, owner-occupied home, assumes a respective combined-loan-to-value either up to 80% or between 80% to 90%, and a representative credit score of 750+. Your actual APR will be based upon your final loan amount and applicable costs. All loans are subject to credit approval and membership eligibility.
6) APR=Annual Percentage Rate. APR is variable and based on Prime Rate as published in the Money Rates table of the online edition of the Wall Street Journal, plus a margin. Rates shown are for borrowers with 750+ credit score. CLTV = The sum of any outstanding liens against a property compared against that properties total value. Your actual rate will vary based on your credit application. Rates are subject to change without notice. The maximum interest rate of 18% may be imposed in a variable-rate plan. Closing costs may apply and vary based upon the requested loan amount. Minimum monthly payment is equal to 1% of the outstanding balance. Vacant Land does not qualify. Property insurance is required. All loans are subject to credit approval and membership eligibility.
A) ARM= Adjustable Rate Mortgage. The interest rate is fixed for a specified term and then adjustable at a specified frequency, thereafter. A current index and Margin were used to display potential rate and/or payment. ARM APR and Monthly Payment assume and amortization schedule of 30 years.
B) CLTV= Combined-Loan-To-Value - The sum of any outstanding liens against a property compared against that property's total value.
C) HCLTV = Home Equity Combined Loan-to-Value - the sum of the loan amount of the first mortgage, the full amount of any HELOCs (whether or not funds have been drawn), and the unpaid principal balance of any closed-end subordinate financing compared against the property's total value.