Loan & Credit Card Rates
Borrowing money becomes more affordable with WESTconsin Credit Union.
Get financial flexibility and a good rate with our loans and credit cards.
Whether you're looking for a go-to credit card or a loan for a vehicle or any special purpose, WESTconsin Credit Union's rates help you keep costs down. We're a not-for-profit institution, which means you benefit from our lower rates and your dollar goes a lot further.
Get the Best Rate!
- 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!
Vehicle Loans
Rates shown based on Gold MVP level, A+ credit score, and loan term.
Secured Vehicles | 2021 and Newer
|
Account Term
|
APR As Low As*
|
Monthly Payment Per $1,000 Borrowed
|
|---|---|---|
| Up to 24 Months | 4.99% | $43.86 |
| Up to 36 Months | 5.24% | $30.08 |
| Up to 48 Months | 5.49% | $23.25 |
| Up to 60 Months | 5.74% | $19.21 |
| Up to 72 Months | 5.99% | $16.57 |
| Up to 84 Months** | 6.49% | $14.85 |
Secured Vehicles | 2017 - 2020
|
Account Term
|
APR As Low As*
|
Monthly Payment Per $1,000 Borrowed
|
|---|---|---|
| Up to 24 Months | 6.24% | $44.42 |
| 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** |
7.49% | $17.29 |
Secured Vehicles | 2016 and Older
|
Account Term
|
APR As Low As*
|
Monthly Payment Per $1,000 Borrowed
|
|---|---|---|
| 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.
Secured Vehicles | 2018 and Newer
|
Account Term
|
APR As Low As*
|
Monthly Payment Per $1,000 Borrowed
|
|---|---|---|
| Up to 24 Months | 5.99% | $44.31 |
| Up to 36 Months | 6.24% | $30.53 |
| Up to 48 Months | 6.49% | $23.71 |
| Up to 60 Months | 6.74% | $19.68 |
| Up to 72 Months | 6.99% | $17.05 |
| Up to 84 Months | 7.49% | $15.34 |
Secured Vehicles | 2017 and Older
|
Account Term
|
APR As Low As*
|
Monthly Payment Per $1,000 Borrowed
|
|---|---|---|
| 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
|
|---|---|---|
No Charge for Ready Reserve Transfers to Checking |
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 |
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.
WESTconsin Credit Union serves members in Wisconsin and in Minnesota. Find a location near you.
