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Rates Effective as of December 6th, 2021
Rates are subject to change without notice.

Call 781-1020 for the latest update

Savings Rates

Savings Rates
  Minimum Annual
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
  Minimum Annual
Rate		 Annual %
Yield
3 Month Certificate  $2,500  .25%  .25%
6 Month Certificate $2,500 .30% .30%
9 Month Certificate
$2,500 .40% .40%
12 Month Certificate $1,000 .40% .40%
15 Month Certificate
$1,000 .40% .40%
18 Month Certificate $1,000 .45% .45%
24 Month Certificate $2,500 .50% .50%
36 Month Certificate  $1,000 .60% .60%
48 Month Certificate $1,000 .70% .70%
60 Month Certificate $1,000 .90% .90%

Loan Rates

Consumer Loans
Description Term Annual Percentage Rate
New Auto Rates:* 3 Years 2.24%
  4 Years 2.24%
  5 Years 2.24%
6 Years 2.74%
Used Auto Rates:*    
Models 2018 - 2021 3 Years 2.49%
4 Years 2.49%
5 Years 2.74%
6 Years 2.99%
Models 2015 - 2017 3 Years 3.24%
4 Years 3.49%
5 Years 3.99%
Used Auto Prior to 2015 3 Years 5.49%
4 Years 5.99%
   
Motorcycle/Scooters New* 4 Years  3.99%
  5 Years 4.74%
Motorcycle/Scooters Used* 3 Years  4.75%
  4 Years  5.25%
Personal 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 New*  5 Years 5.99%
  7 Years 6.99%
Boat Used*  5 Years 6.99%
   7 Years 7.99%
RV New*  5 Years  5.99%
  7 Years 6.99%
RV Used*  5 Years 6.99%
  7 Years 7.99%
     
Cash Reserve/Checking Overdraft   12.00%
Visa Card-No Annual Fee  

11.99%
Description Term Annual Percentage Rate
  Balances 80% LTV  

Variable Rate Equity Line of Credit****

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

Fixed Rate Home Equity*/**

 1-5 Years 3.74%  
6-10 Years 4.24%  
11-15 Years 4.49%  
16-20 Years 4.74%  

SPECIAL Optimizer Loan*****

 Max 12 Years 2.75%  
HELOC SPECIAL***** First 12 Months 2.49%
View our mortgage rates

Effective December 6th, 2021

* 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% APR.
*****Optimizer: 2.75% 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 the lowest available for credit scores of 740 and above. Other rates and terms are available.
*****2.49% for 12 months - Wall Street Prime Rate or 4% APR  whichever is higher, beginning on the 13th month.

Credit life and credit disability insurance may be available.

Prime Rate, January 1, 2021 = 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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