Rates

Rates Effective as of  October 1, 2014
Rates subject to change without notice. Call 781-1020 for the latest update.

 

Savings Rates

Savings Rates

MinimumAnnual
Rate
Annual %
Yield
Basic Share Account $5.00 .05% .05%
E-Share Account $5.00 .15% .15%
Holiday Club $5.00 .05% .05%
Vacation Club $5.00 .05% .05%
E Savings 
 $2,000 - $9,999 $5.00 .10% .10%
$10,000 - $24,999  $5.00 .15% .15%
$25,000 - $49,999 $5.00 .25% .25%
$50,000 and over  $5.00 .35% .35%
IRA Share Account $5.00 .10% .10%
Roth IRA $5.00 .10% .10%
Educational IRA $5.00 .10% .10%

 

Certificate/IRA Rates

MinimumAnnual
Rate
Annual %
Yield
3 Month Certificate $2,500 0.20% 0.20%
6 Month Certificate $2,500 0.30% 0.30%
9 Month Certificate $2,500 0.35% 0.35%
12 Month Certificate $1,000 0.45% 0.45%
15 Month Certificate $1,000 0.50% 0.50%
18 Month Certificate $1,000 0.60% 0.60%
24 Month* Certificate $2,500 0.75% 0.75%
36 Month Certificate $1,000 1.00% 1.00%
48 Month Certificate $1,000 1.25% 1.25%
60 Month Certificate $1,000 1.50% 1.51%

 


Loan Rates

Consumer Loans

DescriptionTermFinancing
New Auto Rates:* 3 Years 1.99%
4 Years 1.99%
Special 5 Years 1.99%
6 Years 2.50%
Used Auto Rates:*
Models 2011 - 2013 3 Years 1.99%
4 Years 2.24%
5 Years 2.24%
Models 2009 - 2010 3 Years 4.99%
4 Years 5.49%
Used Auto Prior to 2008 3 Years 5.99%
4 Years 6.49%
Motorcycle/Scooters* 5.75%
Unsecured Loan* 1 Year 7.99%
2 Years 7.99%
3 Years 7.99%
4 Years 9.99%
5 Years 10.99%
Share/Certificate Current Share
Rate + 3.00%
Boat* 6.75%
RV* 6.75%
Cash Reserve/Checking Overdraft 12.00%
Visa Card no Annual fee 12.00%

Mortgages – New & Refinance

Visit the Mortgage Center for information about our many mortgage options, for contact information or to apply for your mortgage online.

Fixed Equity & Line of Credit

 

HELOC Special:

1.75% APR for 12 months from date of closing.  On the 13th month the rate on outstanding balances for the remaining draw period will revert to the Wall St Prime Rate or 4% APR whichever is higher.

DescriptionTermRate
Balances 80% LTV

Variable Rate Equity Line of Credit****

Less than 25,000 Prime
25,000 to 75,000 Prime - 1/2
Greater than 75,000 Prime - 1.0

Fixed Rate Equity*/**

5 Years 3.99%
10 Years 4.49%
15 Years 4.99%
20 Years 5.49%

Effective

October 1, 2014
Rates subject to change without notice. Call 781-1020 for the latest update.
Above rates apply to loans paid by payroll deductions or automatic transfer from shares or checking.
All over the counter loan payments are 1/2% higher rates.

* Rate will be determined by individual credit worthiness. Rates advertised are the lowest rates available. Rates advertised are for New Boats and RVs. Used Boat and RV Rates may be higher.
** Add .25% to Equity loan rates without an active Wave FCU checking account
*** Personal Mortgage Insurance required with LTV above 80%.
**** 5 year draw period; minimum rate of 4.00% APR.

Credit life and credit disability insurance available on all loans.
Prime Rate, April 2010=3.25%

*$1,000.00 for 12 months at 9.99%; 11 monthly payments of $87.24 and 1 payment of $86.89

 

^top

Need a loan? At Wave it's quick and easy... Apply today >

Your one-stop mortgage resource

Check it out!