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.

ALL RATES EFFECTIVE 3/12/2021   

Current Loan Rates

Loan Rates As Low As

Type Interest Rate
New/Refinanced Auto Loans 2020-2021 as low as 1.75% APR
Used Auto Loans 2015-2019 as low as ​1.99% APR
Used Auto Loans 2014 and older as low as ​2.49% APR
Visa Rewards Preferred 7.75% VAR
Visa Rewards Plus 9.00% VAR
Visa Rewards 11.00% VAR
Visa One 16.95% APR
Share Pledged 1.50% APR
Signature Loan as low as 7.25% 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

Boats, Travel trailers, 5th Wheels, Motor homes, Motorcycles, Snowmobiles, ATVs , Jet Skis
New 
 All Rates are listed as APR (Annual Percentage Rate)

Year Terms A+ A
As low as
B C D Loan Amount
2019-2021   690+ 660-689 640-659  600-639  
  Based on final finance amount  3.99% 4.10%  5.25% 8.75% <$5,000.00
  Up to 60 mos  3.99% 4.10%  5.25% 8.85% $5,000-$10,000
  Up to 72 mos  3.99% 4.10%  5.45% 8.95% $10,000-$20,000
  Up to 84 mos  4.10% 4.25%  5.95% 9.45% $20,000-$30,000
    Up to 144 mos  4.10% 4.25%  6.45% 9.95% $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.

Share ID Description Rate APYE
00 Savings 0.02% 0.02%
30 Money Market 2500+ 0.03% 0.03%
33 Premier Investment 25,000+ 0.04% 0.04%
35 Capital Cash 50,000+ 0.05% 0.05%
59 Christmas/Vacation Club 0.03% 0.03%
7 Youth Account 0.04% 0.04%
10 Checking 0.00% 0.00%

Certificates

Share ID Description Rate APYE
70 3 Months 0.05% 0.05%
71 6 Months 0.05% 0.05%
72 9 Months 0.08% 0.08%
73 12 Months 0.10% 0.10%
78/79 15 Months 0.12% 0.12%
74 24 Months 0.15% 0.15%
75 36 Months 0.18% 0.18%
76 48 Months 0.20% 0.20%
77 60 Months 0.30% 0.30%

APYE = Annual Percentage Yield Earned

Roth ID Traditional ID Description Rate APYE
82 92 6 Months 0.05% 0.05%
83 93 12 Months 0.10% 0.10%
88 98 15 Months 0.12% 0.12%
84 94 24 Months 0.15% 0.15%
85 95 36 Months 0.18% 0.18%
86 96 48 Months 0.20% 0.20%
87 97 60 Months 0.30% 0.30%
80 90/91 IRA Variable - 18 Months 0.15% 0.15%

 APYE = Annual Percentage Yield Earned




**NCUA - Consumer Share Insurance Information**

 

 

 

This is the loan amount.
This is the interest rate (e.g. 5.9 for 5.9%)
%
This is the number of years for the loan.
*Calculations are estimates and do not guarantee credit.
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