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 1/11/2020**

**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 Opens a New Window.
Rates based on qualified credit Rates based on your credit score Rates are subject to change APR = Annual Percentage Rate VPR = Variable Percentage Rate

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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	1.05%	1.05%
75	36 Months	1.15%	1.15%
76	48 Months	1.45%	1.46%
77	60 Months	1.65%	1.66%

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	1.05%	1.05%
85	95	36 Months	1.15%	1.15%
86	96	48 Months	1.45%	1.46%
87	97	60 Months	1.65%	1.66%
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.

Loan Rates

Recreational and Motorsport Loan Rates

Dividend Rates

Certificates

IRA Rates

Loan Calculator

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