2014 Loan Campaign Phillip

Rates & Fees

Savings Rates
Loan Rates
Credit Card Rates
Real Estate Rates 
Home Equity Rates
Standard Fees
 

SAVINGS RATES

All rates quoted are subject to change without notice; call Wildfire Credit Union for today's rates. The Annual Percentage Yields listed are accurate as of the last dividend declaration date. Fees, if any, may reduce earnings and affect APY calculations. Unless otherwise stated below, there is no minimum balance required to open additional savings accounts but a $1.00 minimum daily balance is required to earn the stated APY. Call the credit union for complete disclosures.

Savings Accounts
Account InformationInterest RateAPY
Share Accounts - 2nd Quarter 2014 (Prospective Dividend Rate) -- $5.00 minimum balance required to open account and earn the stated APY. 0.250% 0.250%
Checking Accounts - 2nd Quarter 2014 0.150% 0.150%
Vacation Club Accounts - 2nd Quarter 2014 0.250% 0.250%
IRA Accounts - 2nd Quarter 2014 -- $5.00 minimum balance required to open account and earn stated APY. 0.748% 0.750%
Christmas Club - 2013-2014 -- Penalties apply for early withdrawal. 0.250% 0.250%

Click here for Disclosures

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High-Yield Deposit Accounts

A minimum balance of $1,000 is required to open the account and earn the stated APY. Other restrictions apply. Call the credit union for complete disclosures.

High Yield Deposit Accounts
Effective Date: For the Month of April 2014
Account InformationInterest RateAPY
Balances from $1,000.00 to $24,999.99 0.280% 0.280%
Balances from $25,000.00 to $49,999.99 0.300% 0.300%
Balances from $50,000.00 to $99,999.99 0.320% 0.320%
Balances $100,000.00 or higher 0.339% 0.340%

Click here for Disclosures

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Certificates

Certificate rates can change at the end of the stated period. All certificates require a $2,000 minimum balance to open the account and earn the stated APY. For certificates of $100,000.00 or more, contact the credit union for current rates. Certificate specials are offered to individuals only.  Substantial penalty for early withdrawal; call the credit union for complete disclosures.

iinvest Youth Certificate (age 25 and under) is .250% above the 6 month and 12 month current dividend rate.

6 & 12 month iinvest CDs

• $500 minimum deposit

• $50 minimum add-on deposits

Withdrawals only at maturity

 

Certificate Rates
Effective Date: For the Period of April 22, 2014 - April 28, 2014
Certificate TermInterest RateAPY
6-11 Months 0.359% 0.360%
12-17 Months 0.399% 0.400%
18-23 Months 0.419% 0.420%
24-35 Months 0.519% 0.520%
36-47 Months 0.747% 0.750%
48-59 Months 1.094% 1.100%
60 Months 1.391% 1.400%

75-Month Special

1.736%

1.750%

Click here for Disclosures

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Health Savings Accounts

Health Savings Accounts
Effective Date: For the Month of April 2014
Account InformationInterest RateAPY
Balances from $0.00 to $999.99 0.150% 0.150%
Balances from $1,000.00 to $2,499.99 0.170% 0.170%
Balances from $2,500.00 to $9,999.99 0.190% 0.190%
Balances from $10,000.00 or higher 0.210% 0.210%

Click here for Disclosures

High-Yield Deposit Accounts, Health Savings Accounts, and Certificates are compounded monthly. All share accounts and Vacation Accounts are compounded quarterly.

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LOAN RATES

Please note: Loan rates listed here represent our best rate and are subject to change. Not all members will qualify for the best rate. The approximate term is provided to disclose the term we use to calculate payments for the credit union's open-end loan products.

Open End Consumer Loans

  • Loans are based on credit approval.
  • There are no transaction, membership, activity or participation fees.
  • APR = Annual Percentage Rate.
  • Rates are subject to change without notice. Call the credit union for current rate.
  • Share secured loans are issued at 2.5% above Wildfire Credit Union's weighted average cost of funds. The minimum rate is 5%. Rates adjust annually in the anniversary month of the loan. Call the credit union for current rates.

Open End Consumer Loans
Effective Date: Wednesday, April 23rd, 2014
Loan TypeTermAPR
Shared Secured Approximately 240 months 5.00%
Overdraft Line of Credit   15.00%
Prestige Line of Credit - Checking Account Required   8.90%
Qwik Chek Line of Credit   12.60%

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Credit Cards - Platinum VISA

  • Rates as low as 8.90%
  • Loans are based on credit approval.
  • There are no transaction, membership, activity or participation fees.
  • APR = Annual Percentage Rate.
  • Rates are based on the applicant(s) credit score.  Rates are subject to change without notice. Call the credit union for current rates.

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Closed End Consumer Loans

  • All rates listed are the Annual Percentage Rate (APR).
  • Rates are based on the applicant(s) credit score. Rates are subject to change without notice. Call the credit union for current rates.
  • Loans are based on credit approval.
  • Loans secured by an Auto, Motorcycle, Recreational Vehicle, Boat, Motor Home or RV may require a down payment. Contact the credit union for details.

Closed End Consumer Loans
Effective Date: Wednesday, April 23rd, 2014
Loan TypeTermRatePayment Amount
New & Used Autos / Motorcycles 2010 - Newer 12 to 60 Months As Low As 2.25% $17.64/mo per $1,000 borrowed based on maximum term.
New & Used Autos / Motorcycles 2012 - Newer 61 to 72 Months As Low As 3.25% $15.31/mo per $1,000 borrowed based on maximum term.
New & Used Autos / Motorcycles 2012 - Newer 73 to 84 Months As Low As 4.25% $13.79/mo per $1,000 borrowed based on maximum term.
Used Autos / Motorcycles 2009 & Older 12 to 48 Months As Low As 2.25% $21.81/mo per $1,000 borrowed based on maximum term.
Luxury Autos / Motorcycles 2009 & Older 12 to 60 Months As Low As 3.25% $18.09/mo per $1,000 borrowed based on maximum term.
Personal Watercraft, Snowmobiles, Off-Street Motorcycles & ATV 12 to 60 Months As Low As 6.00% $19.34/mo per $1,000 borrowed based on maximum term.
New & Used Boats / RV's* 180 months max; 60 month balloon As Low As 3.75% $7.28 /mo per $1,000 borrowed based on maximum term.
New & Used Boats / RV's* 60 months As Low As 3.75% $18.31/mo per $1,000 borrowed based on maximum term.
Other Non-Titled Purchased Goods 12 to 60 Months As Low As 8.00% $20.28/mo per $1,000 borrowed based on maximum term.
Other Secured/Unsecured Requests 12 to 60 Months As Low As 8.00% $20.29/mo per $1,000 borrowed based on maximum term.

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REAL ESTATE RATES (For Mortgages offered through Wildfire Credit Union)


 

Please note:  Rates are subject to change without notice. Loan rates listed here represent our best rate and not all members will qualify for the best rate. The actual interest rate available to you will be based on your credit history and LTV(Loan to Value) and may be different from the rates disclosed below.

APR's are based on a loan amount of $120,000.

Mortgage applicants click here for additional disclosure information.

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Primary Residence & Second Homes

  •  Purchase Transaction: Borrow up to 95% of the appraised value or sales price, whichever is less.
  • Refinance Transaction: Borrow up to 80% (95% no "cash out") of the appraised value.
  • **LTV's over 80% require PMI, Tax, and Insurance Escrow.

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Balloon Mortgages

Balloon Mortgages
Effective Date: Wednesday, April 23rd, 2014
Maximun Amortization PeriodBalloonRateAPRPayment Amount
30 years 5-year balloon 3.375% Rate 3.535% APR $4.43/mo per $1,000 borrowed.
30 years 7-year balloon 3.625% Rate 3.776% APR $4.57/mo per $1,000 borrowed.
30 Years 10-year balloon 4.000% Rate 4.095% APR $4.78/mo per $1,000 borrowed.

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Conventional Mortgages

Conventional Mortgages
Effective Date: Wednesday, April 23rd, 2014
TermRateAPRPayment Amount
10 Year Fixed 3.000% Rate 3.150% APR $9.66/mo per $1,000 borrowed.
15 Year Fixed 3. 250% Rate 3.379% APR $7.03/mo per $1,000 borrowed.
20 Year Fixed 4.000% Rate 4.103% APR $6.07/mo per $1,000 borrowed.
30 Year Fixed 4.250% Rate 4.325% APR $4.93/mo per $1,000 borrowed.

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Vacant Land

  • Borrow up to 70% of appraised value, or sales price, whichever is less.

Vacant Land
Effective Date: Wednesday, April 23rd, 2014
TermBalloonRateAPRPayment Amount
15 years 3-year balloon 5.375% Rate 5.707% APR $8.11 /mo per $1,000 borrowed.

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Closing Costs

Contact the Credit Union for details. Total costs average $2,000 to $2,500 for a $150,000 loan amount.  Estimated closing costs will vary if escrow is requested/required.

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HOME EQUITY RATES

There are no transaction, activity, membership or participation fees.

Mortgage applicants click here for additional disclosure information.

 

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Home Cash Equity Loan

  • $5,000 minimum; $250,000 maximum
  • Up to 20 years, 5-year balloon
  • $12 single credit report or $16 joint credit report
  • $125.00 Processing Fee
  • Additional charges may apply
  • Appraisal and title work required for loan amounts greater than $50,000

Home Cash Equity Loan
Effective Date: Wednesday, April 23rd, 2014
Loan InformationRateAPRPayment Amount
-- for loan amounts >= 80.01% to 90.00% 6.250% Rate 6.312% APR $7.32 /mo per $1,000 borrowed.
-- for loan amounts <= 80.00% 5.750% Rate 5.751% APR $7.03 /mo per $1,000 borrowed.

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Equity Line of Credit

  • 10 year draw period, 25 year amortization period
  • Additional charges may apply
  • Appraisal and title work required on loan amounts greater than $50,000
  • Maximum rate 18%

Equity Line of Credit
Effective Date: Wednesday, April 23rd, 2014
Loan InformationRateAPRNotes
-- $5,000 min; $250,000 max -- 100% of appraised value 4.00% Rate 4.00% APR (Variable - reviewed monthly) Click here

for additional disclosure information

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Rates are subject to change without notice. Call for current rates.

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Standard Fees

Internet Account Access FREE
Internet Bill Payer Service FREE
American Express Travelers' Cheques FREE
American Express Travelers' Cheques for Two $.50 per $100
Copy of Statement $2.00 minimum, $.50 per page
Counter Checks 4 for $1.00
Money Orders $2.00 each
Printed Checking Account Histories $1.00 per page
Photocopies of documents 2 free copies, $.25 additional page
Personal FAX $.50 per page
Replace lost/stolen/damaged ATM/Visa Check card $5.00
Replace lost/forgotten P.I.N. (Mail Only) $5.00
Stop Payment on personal checks,
pre-authorized drafts and electronic payments
$25.00
ACH Rejected Item $5.00
Third Party Corporate Check Withdrawal 2 free/month; $5.00 each for bill paying
Personal Checking Account No monthly account fee
NSF returned item, Check or EFT $25.00
Overdraft Charge $25.00
Deposited Checks Returned (your account - personal or business) $25.00
Deposited Checks Returned (third-party check) $10.00
Copies of checks cleared 4 FREE per year; $2.00 per additional
Outgoing Wires $15.00
Incoming Wires $10.00
Copies of Visa Check Card purchase receipt $6.00
Check printing Prices vary
Research Requests $25.00 per hour + $1.00 per copy; $15.00 minimum
Account Reconciliation $20.00 per hour
Early Account Closure (closed within 90 days of opening) $10.00
Monthly Dormant Account Fee (Dormant 12 months or greater) $10.00
Returned Mail Fee $5.00
Verification of Deposit/Loan $10.00
Escheat/Garnishment/Levy Fee $50.00
Check Cashing Fee* $5.00
ATM Balance Inquiry (non Wildfire/Co-Op) $2.00
High Yield Deposit Account Withdrawal Fee 3 free per month, $25 for each exceeding three, maximum of 6 withdrawals per month
IRA Transfer $25.00
Visa Gift Card minimum amount of $25.00 maximum of $1000.00 with $2 member fee and $5 non-member fee

* Applies if a $100 average balance is not maintained. Fee may be waived under certain circumstances.  Contact the call center at 800-227-2328 or 989-249-8200 for additional information.

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Equal Housing LenderNational Credit Union Administration
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency.
Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act