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Our Rates

We’re dedicated to giving our members the best interest rates possible – for both savings and loans. Did you know that since credit unions are member-owned, we’re able to offer better rates, on average, compared to banks?

Take a look at our rates below and you’ll soon discover why Wayne Westland Federal Credit Union is the right place to finance your home and invest or save your hard-earned money.

Loan Rates

ALL RATES EFFECTIVE 3/17/2020   

Current Loan Rates

Loan Rates As Low As

 TYPE  Interest Rate
New/Refinanced Auto Loans 2019 - 2015 as low as 3.15% APR
Used Auto Loans 2014 - 2011 as low as 3.25% APR
Used Auto Loans 2010 and older as low as 4.25% APR
Visa Rewards Preferred 9.25% VPR
Visa Rewards Plus 10.50% VPR
Visa Rewards  12.50% VPR
Visa One 16.95% VPR
Share Pledged 1.50% APR
Signature Loan as low as 8.50% APR
 Revolving Loan 11.90% APR 
 Overdraft Loan ​11.90% APR

For Rates on Home Equity Loans
call us at 734-721-5700 EXT 3011
For mortgage rates, please visit: Mortgage Center
Rates based on qualified credit
Rates based on your credit score
Rates are subject to change
APR = Annual Percentage Rate         VPR = Variable Percentage Rate

Recreational and Motorsport Loan Rates

Motorcycles, Snowmobiles, ATV, Jet Skis, Boats, Travel Trailers, 5th Wheels, Motorhomes
New   All Rates are listed as APR (Annual Percentage Rate)

Year Terms A+ A
As low as 		B C D Loan Amount
2014-2018    690+ 660-689 640-659  600-639  
  Up to 48 mos  3.99% 4.10%   5.25%  8.85% Up to $20,000
  Up to 84 mos 4.10% 4.25%   5.95%  9.45% $20,000-$30,000
  Up to 108 mos 4.10% 4.25%   5.95%  9.45% $30,000-$50,000
  Up to 180 mos  4.10% 4.25%   6.95% 10.45% $50,000 plus

    Contact us for rates on older models.

Dividend Rates

Share ID Description Rate APYE
00 Savings 0.05% 0.05%
30 Money Market 2500+ 0.10% 0.10%
33 Premier Investment 25,000+ 0.15% 0.15%
35 Capital Cash 50,000+ 0.25% 0.25%
59 Christmas/Vacation Club 0.05% 0.05%
7 Youth Account 0.15% 0.15%
10 Checking 0.00% 0.00%

Certificates

Share ID Description Rate APYE
70 3 Months 0.25% 0.25%
71 6 Months 0.35% 0.35%
72 9 Months 0.45% 0.45%
73 12 Months 0.55% 0.55%
78/79 15 Months 0.75% 0.75%
74 24 Months 0.80% 0.80%
75 36 Months 0.85% 0.85%
76 48 Months 0.90% 0.90%
77 60 Months 0.95% 0.95%

APYE = Annual Percentage Yield Earned

IRA Rates

Roth ID Traditional ID Description Rate APYE
82 92 6 Months 0.35% 0.35%
83 93 12 Months 0.55% 0.55%
88 98 15 Months 0.75% 0.75%
84 94 24 Months 0.80% 0.80%
85 95 36 Months 0.85% 0.85%
86 96 48 Months 0.90% 0.90%
87 97 60 Months 0.95% 0.95%
80 90/91 IRA Variable - 18 Months 0.85% 0.85%

 APYE = Annual Percentage Yield Earned




**NCUA - Consumer Share Insurance Information**


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Member Service: (734) 721-5700