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Rates Effective as of September 27th, 2022
Rates are subject to change without notice.

Call 781-1020 for the latest update

Savings & Checking 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%
       
Checking Rates
  Minimum Annual
Rate		 Annual %
Yield
Select Checking $5.00 .05% .05%
Classic Checking $5.00 .05% .05%
Navigator Checking      
$0 - $10,000 $5.00 .15% .15%
$10,000 - $24,999.99 $5.00 .20% .20%
$25,000 - $49,999.99 $5.00 .25% .25%
$50,000 or greater
 $5.00 .30% .30%

 

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%
14 Month Certificate Special $1,000 2.00% 2.00%
15 Month Certificate
$1,000 .40% .40%
18 Month Certificate
Special
 $1,000 2.00% 2.00%
24 Month Certificate
Special
 $2,500 2.00% 2.00%
36 Month Certificate 
Special
 $1,000 2.25% 2.25%
48 Month Certificate
Special
 $1,000 2.50% 2.50%
60 Month Certificate
Special
 $1,000 2.50% 2.50%

Loan Rates

Consumer Loans
Description Term Annual Percentage Rate
New Auto Rates:* 3 Years 3.75%
  4 Years 4.00%
  5 Years 4.15%
6 Years 4.50%
7 Years 4.80%
Used Auto Rates:*    
Models 2019 - 2022 3 Years 4.25%
4 Years 4.50%
5 Years 4.60%
6 Years 4.99%
Models 2016 - 2018 3 Years 4.50%
4 Years 4.75%
5 Years 4.99%
Used Auto Prior to 2016 3 Years 5.49%
4 Years 5.99%
   
Motorcycle/Scooters New* 4 Years  4.99%
  5 Years 5.24%
Motorcycle/Scooters Used* 3 Years  5.99%
  4 Years  6.25%
Personal Loan* 1 Year 9.99%
2 Years 9.99%
3 Years 9.99%
4 Years 10.99%
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  6.50%
  7 Years 6.99%
RV Used*  5 Years 6.75%
  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 4.99%  
6-10 Years 5.25%  
11-15 Years 5.50%  
16-20 Years 5.99%  

SPECIAL Optimizer Loan*****

 Max 12 Years 4.99%  
100% Home Equity Loan*/** 1-5 Years 6.49%
  6-10 Years 6.75%
  11-15 Years 7.00%
  16-20 Years 7.49%
HELOC First 12 Months 3.99%
View our mortgage rates

Effective September 27th, 2022

* 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: 4.99% 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 the lowest available for credit scores of 740 and above. Other rates and terms are available.
*****3.99% 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: September 22, 2022 =6.25%

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

Lost/ Stolen Cards
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Contact Us
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Repossessed Vehicles

CO-OP ATMco op shared branch  ATM Connection  SUM ATM MoneyPass


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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