Rates

Deposit & Share Certificate Rates

General Savings

Account Dividend Rate APY
Membership Savings
$5 minimum opening deposit. 0.25% 0.25%
Preferred Checking
No minimum balance to open or earn dividends. 0.10% 0.10%
Select Checking
No minimum balance to open. Earn dividends each day the balance is $500 and above. 0.10% 0.10%
AddsUp Checking
Balance up to $15,000. 2.00% 2.02%
Balance more than $15,000. 0.25% 0.25%
If qualifications are not met. 0.25% 0.25%
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. 0.25% 0.25%
Youth Savings
Balance up to $2,500 2.85% 2.89%
Balance more than $2,500 0.25% 0.25%
Christmas Club
No minimum balance to open or earn dividends. 0.25% 0.25%
Funeral Trust
No minimum balance to open or earn dividends. 0.25% 0.25%
HSA Checking
$0-$9,999.99 0.25% 0.25%
$10,000 and more 0.50% 0.50%

Money Market

Account Dividend Rate APY
$0-$9,999.99 0.25% 0.25%
$10,000-$24,999.99 0.50% 0.50%
$25,000-$49,999.99 0.60% 0.60%
$50,000-$99,999.99 0.70% 0.70%
$100,000 and more 0.80% 0.80%
No minimum balance to open.

Achieve Money Market

Account Dividend Rate APY
$0-$24,999.99 0.30% 0.30%
$25,000 and more 0.80% 0.80%
  1. $15 fee in any month if balance drops below $25,000.00
  2. $15 fee for each withdrawal over 3 each month
  3. $1,000 minimum withdrawal and deposit

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.

Share Certificates and IRAs

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 0.25% 0.25% 0.40% 0.40% 0.60% 0.60%
6 month Monthly $1,000.00 0.30% 0.30% 0.45% 0.45% 0.65% 0.65%
12 month Monthly $1,000.00 0.50% 0.50% 0.65% 0.65% 0.85% 0.85%
18 month Monthly $1,000.00 0.55% 0.55% 0.70% 0.70% 0.90% 0.90%
24 month Monthly $1,000.00 0.60% 0.60% 0.75% 0.75% 0.95% 0.95%
36 month Monthly $1,000.00 0.70% 0.70% 0.85% 0.85% 1.05% 1.06%
36 month Step-Up Monthly $5,000.00 0.55% 0.55% 0.70% 0.70% 0.90% 0.90%
48 month Monthly $1,000.00 0.80% 0.80% 0.95% 0.95% 1.15% 1.16%
60 month Monthly $1,000.00 0.90% 0.90% 1.05% 1.06% 1.25% 1.26%
18 month Fixed Rate IRA Monthly $500.00 0.55% 0.55% 0.70% 0.70% 0.90% 0.90%
60 month Fixed Rate IRA Monthly $500.00 0.85% 0.85% 1.00% 1.00% 1.20% 1.21%
18 month Variable Rate IRA Daily $50.00 0.60% 0.60% 0.60% 0.60% 0.60% 0.60%
12 month Fixed Rate Health Savings Monthly $500.00 0.50% 0.50% 0.65% 0.65% 0.85% 0.85%

*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.

Personal Loan Rates

Auto Loans

Account Term APR as low as* Monthly payment per $1,000 borrowed
Secured Vehicles | 2016 and newer
Up to 24 Months 2.49% $42.76
Up to 36 Months 2.74% $28.97
Up to 48 Months 2.99% $22.14
Up to 60 Months 3.24% $18.08
Up to 72 Months 3.74% $15.53
Up to 84 Months** 4.49% $13.90
Secured Vehicles | 2012-2015
Up to 24 Months 3.49% $43.21
Up to 36 Months 3.74% $29.42
Up to 48 Months 3.99% $22.58
Up to 60 Months 4.24% $18.53
Up to 72 Months** 4.74% $15.99
Secured Vehicles | 2011 and older
Up to 24 Months 5.24% $43.98
Up to 36 Months 5.49% $30.20
Up to 48 Months 5.74% $23.37
Up to 60 Months 5.99% $19.33

*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 10.00% $25.37
Up to 60 months 11.50% $22.00

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 11.50% $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.

Mortgage Loan Rates

Fixed Rate Mortgages

Rate APR Monthly Payment
30 year 3.000% 3.116% $843.00
20 year 2.875% 3.038% $1097.00
15 year 2.750% 2.889% $1357.00
10 year 2.625% 2.827% $1897.00

Adjustable Rate Mortgages (ARMs)

Rate APR Monthly Payment
5/1 ARM 2.875% 3.076% $830.00
7/1 ARM 3.000% 3.105% $843.00

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 an amortization schedule of 30 years.

WESTconsin ARMs

Rate APR Monthly Payment
5/1 ARM 4.500% 3.979% $1013.00
7/1 ARM 5.000% 4.328% $1074.00

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.

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. Payment examples reflect a monthly payment of principal and interest only and your actual payment may be higher. 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 $200,000.00 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. Loan subject to credit approval and membership eligibility.