Rates Effective as of January 23^rd, 2023
Rates are subject to change without notice.

Call (401) 781-1020 for the latest update

Savings & Checking Rates

	Minimum	Annual Rate	Annual % Yield
Savings Rates
Basic Share Account	$5.00	.15%	.15%
E-Share Account	$5.00	.25%	.25%
Holiday Club	$5.00	.15%	.15%
Vacation Club	$5.00	.15%	.15%
E Savings
$2,000 - $9,999	$5.00	.25%	.25%
$10,000 - $24,999	$5.00	.30%	.30%
$25,000 - $49,999	$5.00	.35%	.35%
$50,000 and over	$5.00	.40%	.40%
IRA Share Account	$5.00	.15%	.15%
Roth IRA	$5.00	.15%	.15%
Educational IRA	$5.00	.15%	.15%

Checking Rates
	Minimum	Annual Rate	Annual % Yield
Select Checking	$5.00	.10%	.10%
Classic Checking	$5.00	.10%	.10%
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%

Preferred Business Checking Rates
	Minimum	Annual Rate	Annual % Yield
$10,000 - $24,999.99	$5.00	.15%	.15%
$25,000 - $99,999.99	$5.00	.25%	.25%
$100,000 or greater	$5.00	.35%	.35%

	Minimum	Annual Rate	Annual % Yield
Certificate/IRA Rates
3 Month Certificate	$2,500	.25%	.25%
6 Month Certificate	$2,500	.25%	.25%
9 Month Certificate	$2,500	.30%	.30%
12 Month Certificate	$1,000	1.00%	1.00%
14 Month Certificate Special	$1,000	3.50%	3.56%
15 Month Certificate	$1,000	.40%	.40%
18 Month Certificate	$1,000	2.50%	2.53%
24 Month Certificate *Bump up	$2,500	4.00%	4.07%
36 Month Certificate	$1,000	2.75%	2.78%
48 Month Certificate	$1,000	2.75%	2.78%
60 Month Certificate	$1,000	2.75%	2.78%

*Bump Up Option to increase your rate to the current rate of the same product once for the remainder of the original term.

Loan Rates

Description	Term	Annual Percentage Rate
Consumer Loans
New Auto Rates:*	3 Years	4.99%
	4 Years	5.24%
	5 Years	5.49%
	6 Years	5.74%
	7 Years	6.24%
Used Auto Rates:*
Models 2019 - 2022	3 Years	5.49%
	4 Years	5.74%
	5 Years	5.99%
	6 Years	5.99%
Models 2016 - 2018	3 Years	5.99%
	4 Years	6.24%
	5 Years	6.24%
Used Auto Prior to 2016	3 Years	6.24%
	4 Years	6.49%

Motorcycle/Scooters New*	4 Years	6.50%
	5 Years	6.95%
Motorcycle/Scooters Used*	3 Years	6.75%
	4 Years	7.50%
Personal Loan*	1 Year	10.99%
	2 Years	10.99%
	3 Years	10.99%
	4 years	10.99%
	5 years	11.99%
Share/Certificate		Current Share Rate + 3.00%
RV New*	up to 7 Years	9.50%
RV Used*	up to 7 Years	10.00%
Boats New*	up to 7 Years	7.99%
Boats Used*	up to 7 years	7.99%

Cash Reserve/Checking Overdraft		12.00%
Visa Card-No Annual Fee		11.99%
Description	Term	Annual Percentage Rate

Home Equity Line of Credit***	Minimum Balance 25,000	Prime - .75%
Home Equity Line of Credit***
Fixed Rate Home Equity\|*	1-5 Years	5.99%
	6-10 Years	6.25%
	11-15 Years	6.50%
	16-20 Years	6.75%
SPECIAL Optimizer Loan****	Max 12 Years	5.75%
100% Home Equity Loan\|*	1-5 Years	7.49%
	6-10 Years	7.75%
	11-15 Years	8.00%
	16-20 Years	8.25%

View our mortgage rates

Effective January 23rd, 2023

* Rate will be determined by individual creditworthiness. Rates advertised are the lowest rates available. Rates may be higher based on loan term and credit score.
** Personal Mortgage Insurance is required with LTV above 80%.
*** 5-year draw period: Variable rate is 0.75% below the Wall Street Prime Rate, or 6.75% APR, whichever is higher.
**** Optimizer: 5.75% 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.

Credit life and credit disability insurance may be available.

Wall Street Prime Rate as of December 15, 2022 is 7.50%

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) 563-7050

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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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