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Rates

Vehicle Loans

Approx Term APR as low as
New Vehicles Up to 60 Months w/ 80% financing 1.50% APR*
Up to 75 months** w/ 80% financing 2.25% APR*
Up to 84 Months** w/ 80% financing 2.50% APR*
Up to 60 Months w/ 100% financing 1.75% APR*
Up to 75 Months** w/ 100% financing 2.50% APR*
Up to 84 Months** w/ 100% financing 3.00% APR*
Used Vehicles Up to 60 Months w/ 80% financing 2.00% APR*
Up to 75 months** w/ 80% financing 2.75% APR*
Up to 60 Months w/ 90% financing 2.50% APR*
Up to 75 Months** w/ 90% financing 3.25% APR*
Up to 60 Months w/ 100% financing 2.75% APR*
Up to 75 Months** w/ 100% financing 3.50% APR*
New and Used Boats/RV/ATV Up to 48 Months 7.99% APR*
Up to 84 Months 8.25% APR*

*APR = Annual Percentage Rate. All rates subject to change without notice. Loan rates are based and priced according members' individual credit ratings. The loan rates listed above are the minimum rates offered. 
**61-75 month financing available for automobiles over $20,000 and 76-84 month financing for automobiles over $30,000.

Home Equity Line of Credit

As low as
Home Equity Line of Credit Up to 90% of Value (up to $250,000) 2.99%* Intro Rate Special*

*APR = Annual Percentage Rate. The WGLFCU Introductory Annual Percentage Rate (APR) will be effective for the first six months from the date of your WGLFCU Home Equity Line of Credit is opened (the “Introductory Period”).  After the Introductory Period, the APR will convert to The Wall Street Journal Prime Rate which is 5.00% as of June 13, 2018.  This is a variable rate and is adjusted semi-annually, plus, (i) applies to (LTV) ratio of 90% for primary residence and non-owner occupied residenes, (ii) in no event will the APR be less than 4.00% and no more than 18.00%.  

Fixed Rate 2nd Mortgage

As low as
5 years up to $50,000 3.00%
10 years up to $100,000 4.00%
15 years up to $150,000 5.00%

*APR = Annual Percentage Rate. All rates subject to change without notice. Loan rates are based and priced according to members' individual credit ratings. Loan amount request cannot exceed $150,000.

Secured Loans

APR* Term
Share Secured Loan** 100% of Shares 2% above index 10 years
Certificate Secured Loan** 100% of Certificate Value 2% above index 10 years

*APR = Annual Percentage Rate. All rates subject to change without notice. 

**The annual percentage rate for a Share and Certificate Secured advance will be 2% above the dividend rate paid on the shares.

Unsecured Loans

As low as
Personal Loans 10.75%*
Debt Consolidation 12.75%*
Overdraft Protection 12.99%*
Summer Loan SPECIAL 6.99%**

*APR = Annual Percentage Rate. All rates subject to change without notice. Loan rates are based and priced according to members' individual credit ratings.

**APR = Annual Percentage Rate.  Borrow up to $10,000 with terms up to 36 months.  Rate based on creditworthiness and amount financed.  Monthly payment will be $308.73 for 36 payments at 6.99% APR on a borrowed amount of $10,000.  Rates and offer are subject to change at anytime. 

Credit Card

APR* Conditions
Visa Credit Card As low as 9.99% Rate subject to change
Student Visa Credit Card As low as 9.99% Rate subject to change

*APR = Annual Percentage Rate. Rates are based on creditworthiness, so your rate may differ. Please see the credit card disclosure for more details. Variable APRs apply to purchases, balance transfers, cash advances and convenience checks.