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Rates Effective as of November 16th, 2020
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 .15% .15%
$10,000 - $24,999 $5.00 .20% .20%
$25,000 - $49,999 $5.00 .25% .25%
$50,000 and over $5.00 .30% .30%
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  .30%  .30%
6 Month Certificate $2,500 .35% .35%
9 Month Certificate
$2,500 .60% .60%
12 Month Certificate $1,000 .40% .40%
15 Month Certificate
$1,000 .45% .45%
18 Month Certificate $1,000 .50% .50%
24 Month Certificate $2,500 .50% .50%
36 Month Certificate  $1,000 .60% .60%
48 Month Certificate $1,000 .75% .75%
60 Month Certificate $1,000 1.00% 1.00%

Loan Rates

Consumer Loans
DescriptionTermAnnual Percentage Rate
New Auto Rates:* 3 Years 2.74%
  4 Years 2.74%
  5 Years 2.74%
6 Years 3.24%
Used Auto Rates:*    
Models 2017 - 2020 3 Years 2.99%
4 Years 2.99%
5 Years 3.24%
6 Years 3.49%
Models 2014 - 2016 3 Years 4.49%
4 Years 4.74%
5 Years 5.24%
Used Auto Prior to 2014 3 Years 5.74%
4 Years 6.24%
Motorcycle/Scooters*   4.75%
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*   5.99%
RV*   5.99%
Cash Reserve/Checking Overdraft   12.00%
Visa Card no Annual fee  

11.99%
DescriptionTermAnnual Percentage Rate
  Balances 80% LTV  

Variable Rate Equity Line of Credit****

 Less than 75,000 Prime  
Greater than 75,000 Prime - .50%  
   

Fixed Rate Equity*/**

 5 Years 3.75%  
10 Years 4.24%  
15 Years 4.49%  
20 Years 4.74%  

SPECIAL Optimizer*****

 12 Years 2.99%  
View our mortgage rates

Effective November 16th, 2020

* Rate will be determined by individual creditworthiness. 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.
*****Optimizer: 2.99% APR available for qualifying properties, first lien position equity, with a loan-to-value (LTV) of 80% or less, And a maximum repayment period of 144 months. Advertised APR is lowest available for credit scores of 700 and above. Other rates and terms available.

Credit life and credit disability insurance may be available.
Prime Rate, March 15, 2020 = 3.25%

Wave FCU Main Branch

Address: 480 Greenwich Ave, Warwick, RI 02886

Phone: (401) 781-1020
Fax: (401) 562-1290

Warwick Avenue Branch

Address: 1217 Warwick Ave, Warwick, RI 02888

Phone: (401) 463-9574
Fax: (401) 463-5161

 

MEMBER SUPPORT

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If you need additional information or just want to give us feedback, please feel free to contact us.

 

BUSINESS HOURS

MAIN BRANCH
LOBBY HOURS
Mon-Wed: 9am - 4pm
Thurs-Fri: 9am - 5pm
Saturday: 9am - 12pm

Drive Up Opens
M-F: 8am / Sat: 9am

WARWICK AVENUE BRANCH
LOBBY HOURS
Mon-Wed: 9am - 4pm
Thurs-Fri: 9am - 5pm
Saturday: 9am - 12pm

Drive Up Opens
M-F: 8am / Sat: 9am

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