Our Rates

Our goal is to provide our members with the lowest and best interest rates available. Whether you are saving or borrowing money, Credit Unions offer better rates, on average, than for-profit financial institutions, such as banks, yes another reason to join.

Whether you are looking to buy your first house, need financing for a car, or want to open a certificate, Wayne Westland Federal Credit Union has the right interest rate for you. The Credit Union way of providing financial services is just smarter. Dump the big banks and switch to your local Credit Union!

Loan Rates

**ALL RATES EFFECTIVE 7/21/2017**

**Current Loan Rates**

**Loan Rates As Low As**
TYPE	Interest Rate
New/Refinanced Auto Loans 2017-2014	as low as 1.95% APR
Use Auto Loans 2013-2010	as low as 2.50% APR
Used Auto Loans 2009 and older	as low as 3.50% APR
Visa Rewards	12.00% VPR
Visa Rewards Plus	10.00% VPR
Visa Rewards Preferred	8.75% VPR

VISA ONE 16.95% APR

Share Pledged	1.50% APR
Signature Loan	8.25% 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

Motorsport Loan Rates

Motorcycles, Snowmobiles, ATV, Jet Skis
New All Rates are listed as APR (Annual Percentage Rate)

Year	Terms	A+ A As low as	B	C	D	Loan Amount
2015-2016		690+	660-689	640-659	600-639
	Up to 48 mos	4.75%	6.75%	8.25%	9.75%	Up to $20,000
	Up to 84 mos	5.25%	7.25%	8.75%	10.25%	$20,000-$30,000
	Up to 108 mos	5.50%	7.75%	9.25%	10.75%	$30,000-$50,000
	Up to 180 mos	5.75%	8.25%	9.75%	11.25%	$50,000 plus

Recreational Vehicle Loan Rates

Boats, Travel trailers, 5^th Wheels and Motorhomes
NEW All Rates are APR (Annual Percentage Rate)

Year	Terms	A+ A As low as	B	C	D	Loan Amount
2014-2015		690+	660-689	640-659	600-639
	Up to 48 mos	4.75%	6.75%	8.25%	8.85%	$5,000-$10,000
	Up to 72 mos	4.75%	6.75%	8.45%	8.95%	$10,000-$20,000
	Up to 84 mos	5.25%	7.25%	8.95%	9.45%	$20,000-$30,000
	Up to 144 mos	5.75%	7.75%	9.45%	9.95%	$30,000-$50,000
	Up to 180 mos	6.25%	8.25%	9.95%	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	0.65%	0.65%
74	24 Months	0.85%	0.85%
75	36 Months	1.10%	1.10%
76	48 Months	1.35%	1.36%
77	60 Months	1.55%	1.56%

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	0.65%	0.65%
84	94	24 Months	0.85%	.085%
85	95	36 Months	1.10%	1.10%
86	96	48 Months	1.35%	1.36%
87	97	60 Months	1.55%	1.56%
80	90/91	IRA Variable - 18 Months	0.85%	0.85%

APYE = Annual Percentage Yield Earned

**NCUA - Consumer Share Insurance Information**

Loan Calculator

Loan Amount This is the loan amount.
Rate This is the interest rate (e.g. 5.9 for 5.9%)	%
Years This is the number of years for the loan.

*Calculations are estimates and do not guarantee credit.

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