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Rates & Fees

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

SAVINGS RATES

The rates quoted on all savings products (including the High-Yield Deposit, Certificate & Health Savings accounts) are subject to change at any time and without advance notification; call Wildfire Credit Union for current 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 Rates
Effective Date: Monday, January 20th, 2020
Account Information	Interest Rate	APY
Membership Share	0.150%	0.150%
Premium Savings:
$0.00 to $9,999.99	0.200%	0.200%
$10,000.00 to $24,999.99	0.230%	0.230%
$25,000.00 to $49,999.99	0.270%	0.270%
$50,000.00 and higher	0.300%	0.300%
Additional/Other Savings Accounts	0.150%	0.150%

Checking Accounts
Effective Date: Monday, January 20th, 2020
Account Information	Interest Rate	APY
Personal Checking	0.000%	0.000%
Premium Checking:
$0.00 to $9,999.99	0.150%	0.150%
$10,000.00 to $24,999.99	0.170%	0.170%
$25,000.00 to $49,999.99	0.190%	0.190%
$50,000.00 and higher	0.210%	0.210%

Club Account Rates
Effective Date: Monday, January 20th, 2020
Account Information	Interest Rate	APY
Christmas Club - Penalties apply for early withdrawal.	0.100%	0.100%
Other Club Accounts	0.100%	0.100%
Explanation of Rates & Service Charges

IRA Rates
Effective Date: Monday, January 20th, 2020
Account Information	Interest Rate	APY
IRA Accounts*	0.499%	0.500%
Explanation of Rates & Service Charges
* $5.00 minimum balance requires to open account and earn stated APY.

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: Monday, January 20th, 2020, 12:00am ET.
Account Information	Interest Rate	APY
Balances from $1,000.00 to $24,999.99	0.349%	0.350%
Balances from $25,000.00 to $49,999.99	0.399%	0.400%
Balances from $50,000.00 to $99,999.99	0.449%	0.450%
Balances from $100,000.00 to $249,999.99	0.499%	0.500%
Balances from $250,000.00 to $499,999.99	0.698%	0.700%
Balances from $500,000.00 to $999,999.99	0.946%	0.950%
Balances of $1,000,000.00 and more	1.094%	1.100%
Explanation of Rates & Service Charges

Certificates

All certificates require a $500 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. Substantial penalty for early withdrawal; call the credit union for complete disclosures.

iinvest Youth Certificate

Benefits:

Rates are .250% higher than the current 6-month and 12-month interest rates!
Low minimum deposit and you have the ability to add to the deposit.
Choose between a six and/or 12 month iinvest CD.

Conditions:

Must be 25 or younger.
$500 minimum deposit ($2,000 maximum deposit per iinvest certificate).
$50 minimum add-on deposits.
Withdrawals can only be made at certificate maturity.
No more than 10 iinvest certificates per member.

Special Certificate Rates
Effective Date: Monday, January 20th, 2020, 12:00am ET.
Certificate Term	Interest Rate	APY
*26 Month Special*	*2.276%*	*2.300%*
*62 Month Special* * NEW MONEY TO CU ONLY	*2.716%*	*2.750%*
Explanation of Rates & Service Charges * NEW MONEY TO CU ONLY means that the funds have not previously been on deposit with Wildfire Credit Union; amounts withdrawn from Wildfire accounts in the preceding 30 days will not qualify.

Certificate Rates
Effective Date: Monday, January 20th, 2020, 12:00am ET.
Certificate Term	Interest Rate	APY
6-11 Months	1.292%	1.300%
12-17 Months	1.736%	1.750%
18-23 Months	1.834%	1.850%
24-35 Months	2.129%	2.150%
36-47 Months	2.325%	2.350%
48-59 Months	2.472%	2.500%
60 Months	2.618%	2.650%
Explanation of Rates & Service Charges

Health Savings Accounts

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

Health Savings Rates
Effective Date: Monday, January 20th, 2020, 12:00am ET.
Account Information	Interest Rate	APY
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 of $10,000.00 and more	0.210%	0.210%
Explanation of Rates & Service Charges

Business Rates

Savings
Effective Date: Monday, January 20th, 2020, 12:00am ET.
Business Membership Share - Minimum Opening Balance: $5; Minimum Balance to Earn Dividends: $5; Compounded Quarterly Other Savings - Minimum Opening Balance: $0; Minimum Balance to Earn Dividends: $1; Compounded Quarterly
Account Information	Interest Rate	APY
Business Membership Share	0.150%	0.150%
Other Savings	0.150%	0.150%
Truth in Savings Disclosure

Special Certificate Rates for Business
Effective Date: Monday, January 20th, 2020, 12:00am ET.
All certificates require a $500 minimum balance to open the account and earn the stated APY, compounded monthly. For certificates of $100,000.00 or more, contact the credit union for current rates. Substantial penalty for early withdrawal; call the credit union for complete disclosures. Withdrawals only at maturity.
Certificate Term	Interest Rate	APY
*26 Month Special*	*2.276%*	*2.300%*
*62 Month Special* * NEW MONEY TO CU ONLY	*2.716%*	*2.750%*
Truth in Savings Disclosure * NEW MONEY TO CU ONLY means that the funds have not previously been on deposit with Wildfire Credit Union; amounts withdrawn from Wildfire accounts in the preceding 30 days will not qualify.

Certificates of Deposit Account
Effective Date: Monday, January 20th, 2020, 12:00am ET.
Certificate Term	Interest Rate	APY
6-11 months	1.292%	1.300%
12-17 months	1.736%	1.750%
18-23 months	1.834%	1.850%
24-35 months	2.129%	2.150%
36-47 months	2.325%	2.350%
48-59 months	2.472%	2.500%
60 months	2.618%	2.650%
Truth in Savings Disclosure

High-Yield Deposit Account
Effective Date: Monday, January 20th, 2020, 12:00am ET.
Requires a minimum opening balance of $1000 and compounded monthly
Name	Interest Rate	APY
Balances from $1,000.00 to $24,999.99	0.349%	0.350%
Balances from $25,000.00 to $49,999.99	0.399%	0.400%
Balances from $50,000.00 to $99,999.99	0.449%	0.450%
Balances from $100,000.00 to $249,999.99	0.499%	0.500%
Balances from $250,000.00 to $499,999.99	0.698%	0.700%
Balances from $500,000.00 to $999,999.99	0.946%	0.950%
Balances of $1,000,000.00 and more	1.094%	1.100%
Truth in Savings Disclosure

Business Checking Beyond
Effective Date: Monday, January 20th, 2020, 12:00am ET.
Compounded Monthly
Account Information	Interest Rate	APY
Balances from $0.00 to $9,999.99	0.25%	0.25%
Balances from $10,000.00 to $24,999.99	0.25%	0.25%
Balances from $25,000.00 to $49,999.99	0.25%	0.25%
Balances from $50,000 to $249,999.99	0.25%	0.25%
Balances from $250,000 to $499,999.99	0.25%	0.25%
Balances from $500,000 to $999,999.99	0.25%	0.25%
Balances of $1,000,000 and more	0.25%	0.25%
Truth in Savings Disclosure

Loan Rates

Please note: 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. The approximate term is provided to disclose the term we use to calculate payments for the credit union's open-end loan products.

Credit Cards - Platinum Visa^®

Rates as low as 8.90%
Loans based on credit approval
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.

Learn about credit cards

Open End Consumer Loans
Effective Date: Monday, January 20th, 2020, 12:00am ET.
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.
Loan Type	Term	APR
Share 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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New & Used Auto & Motorcycle Loan Rates
Effective Date: Monday, January 20th, 2020, 12:00am ET.
Loan Type	Term	Rate As Low As	Payment Amount
New & Used Autos / Motorcycles 2011 - Newer	12 to 60 Months	3.24%	$18.08/mo per $1,000 borrowed based on maximum term.
New & Used Autos / Motorcycles 2014 - Newer	61 to 72 Months	3.49%	$15.42/mo per $1,000 borrowed based on maximum term.
New & Used Autos / Motorcycles 2015 - Newer	73 to 84 Months	4.49%	$13.90/mo per $1,000 borrowed based on maximum term.
Used Autos / Motorcycles No Model Year Limitation	12 to 48 Months	3.24%	$22.25/mo per $1,000 borrowed based on maximum term.
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. Credit Terms for loans secured by an Auto or Motorcycle require a maximum 20% down payment.

Personal Watercraft, Snowmobiles, Off-Street Motorcycles & ATV
Effective Date: Monday, January 20th, 2020, 12:00am ET.
Loan Type	Term	Rate	Payment Amount
Personal Watercraft, Snowmobiles, Off-Street Motorcycles & ATV	0 to 36 Months	3.99%	$29.59/mo per $1,000 borrowed based on maximum term.
Personal Watercraft, Snowmobiles, Off-Street Motorcycles & ATV	37 to 60 Months	4.99%	$18.88/mo per $1,000 borrowed based on maximum term.

*Boat and RV Balloon Repayment and Option to Refinance Example: If you borrow $50,000 at 4.00% APR for a 180 month amortization, 60 month balloon term, you will make 59 payments of approximately $369.97 and one final payment of approximately $36,823.43. Portions of the final payment may be refinanced with qualifying credit worthiness.

New & Used Boats / RV's
Effective Date: Monday, January 20th, 2020, 12:00am ET.
Loan Type	Term	Rate	Payment Amount
New & Used Boats / RV's*	Up to 60 Months or 180 Months Max with a 60 Month Balloon	3.99%	$7.40/mo per $1,000 borrowed based on maximum term.
New & Used Boats / RV's	61 to 84 Months	4.49%	$13.90/mo per $1,000 borrowed based on maximum term.
New & Used Boats / RV's	85 to 120 Months	5.24%	$10.73/mo per $1,000 borrowed based on maximum term.
New & Used Boats / RV's	121 to 144 Months	6.24%	$9.89/mo per $1,000 borrowed based on maximum term.

Other Loans
Effective Date: Monday, January 20th, 2020, 12:00am ET.
Loan Type	Term	Rate	Payment Amount
Other Non-Titled Purchased Goods	12 to 60 Months	6.99%	$19.81/mo per $1,000 borrowed based on maximum term.
Signature Loans	Up to 60 Months	7.49%	$20.04/mo per $1,000 borrowed based on maximum term.

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

Equal Housing Lender logo 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 amount calculations assume a 20% downpayment has been made for a final loan amount of $120,000.

Mortgage applicants please read our Mortgage Applicant Disclosure.

Primary Residence & Second Homes

Balloon Mortgages
Effective Date: Monday, January 20th, 2020, 12:00am ET.
Amortization Period	Balloon	Rate	APR
30 years	5-year balloon	4.000% Rate	4.269% APR
30 years	7-year balloon	4.250% Rate	4.448% APR
30 Years	10-year balloon	4.500% Rate	4.655% APR
A balloon payment will result if only principal and interest payments are made during the term of the loan.

Conventional Mortgages
Effective Date: Monday, January 20th, 2020, 12:00am ET.
Term	Rate	APR
10 Year Fixed	3.125% Rate	3.303% APR
15 Year Fixed	3.250% Rate	3.402% APR
20 Year Fixed	3.500% Rate	3.620% APR
30 Year Fixed	3.750% Rate	3.838% APR

Vacant Land
Effective Date: Monday, January 20th, 2020, 12:00am ET.
Borrow up to 70% of appraised value, or sales price, whichever is less.
Term	Balloon	Rate	APR
15 years	3-year balloon	6.000% Rate	6.625% APR
All payment examples are for principal and interest only, any escrow for property taxes and insurance would be additional. A balloon payment will result if only principal and interest payments are made during the term of the loan.

Closing Costs

Contact the Credit Union for details. Total costs average $2,000 to $3,000 for a $150,000 loan amount. Estimated closing costs will vary if escrow is requested/required.

HOME EQUITY RATES

Equal Housing Lender logo There are no transaction, activity, membership or participation fees.