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 Information | Interest Rate | APY |
Share Accounts - 1st Quarter 2015 (Prospective Dividend Rate) -- $5.00 minimum balance required to open account and earn the stated APY. |
0.250% | 0.250% |
Checking Accounts - 1st Quarter 2015 |
0.150% | 0.150% |
Vacation Club Accounts - 1st Quarter 2015 |
0.250% | 0.250% |
IRA Accounts - 1st Quarter 2015 -- $5.00 minimum balance required to open account and earn stated APY. |
0.499% | 0.500% |
Christmas Club - 2014-2015 -- Penalties apply for early withdrawal. |
0.250% | 0.250% |
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 February 2015 | ||
| Account Information | Interest Rate | APY |
| Balances from $1,000.00 to $24,999.99 | 0.280% | 0.280% |
| Balances from $25,000.00 to $49,999.99 | 0.290% | 0.290% |
| Balances from $50,000.00 to $99,999.99 | 0.300% | 0.300% |
| Balances $100,000.00 or higher | 0.310% | 0.310% |
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 February 24, 2015 - March 2, 2015 | ||
| Certificate Term | Interest Rate | APY |
| 6-11 Months | 0.359% | 0.360% |
| 12-17 Months | 0.399% | 0.400% |
| 18-23 Months | 0.419% | 0.420% |
| 24-35 Months | 0.598% | 0.600% |
| 36-47 Months | 1.045% | 1.050% |
39-Month Special |
1.193% | 1.200% |
| 48-59 Months | 1.539% | 1.550% |
| 60 Months | 1.687% | 1.700% |
69-Month Special |
1.982% | 2.000% |
Health Savings Accounts
| Health Savings Accounts | ||
| Effective Date: For the Month of February 2015 | ||
| 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 from $10,000.00 or higher | 0.210% | 0.210% |
High-Yield Deposit Accounts, Health Savings Accounts, and Certificates are compounded monthly. All share accounts and Vacation Accounts are compounded quarterly.
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: Saturday, February 28th, 2015 | ||
| Loan Type | Term | APR |
| 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: Saturday, February 28th, 2015 | |||
| Loan Type | Term | Rate | Payment Amount |
| New & Used Autos / Motorcycles 2011 - 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 2.50% | $14.98/mo per $1,000 borrowed based on maximum term. |
| New & Used Autos / Motorcycles 2013 - Newer | 73 to 84 Months | As Low As 3.50% | $13.44/mo per $1,000 borrowed based on maximum term. |
| Used Autos / Motorcycles 2010 & Older | 12 to 48 Months | As Low As 2.25% | $21.81/mo per $1,000 borrowed based on maximum term. |
| Luxury Autos / Motorcycles 2010 & 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.
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.
Balloon Mortgages
| Balloon Mortgages | ||||
| Effective Date: Saturday, February 28th, 2015 | ||||
| Maximun Amortization Period | Balloon | Rate | APR | Payment Amount |
| 30 years | 5-year balloon | 3.125% Rate | 3.285% APR | $4.29/mo per $1,000 borrowed. |
| 30 years | 7-year balloon | 3.250% Rate | 3.400% APR | $4.36/mo per $1,000 borrowed. |
| 30 Years | 10-year balloon | 3.500% Rate | 3.593% APR | $4.50/mo per $1,000 borrowed. |
Conventional Mortgages
| Conventional Mortgages | |||
| Effective Date: Saturday, February 28th, 2015 | |||
| Term | Rate | APR | Payment Amount |
| 10 Year Fixed | 3.000% Rate | 3.150% APR | $9.66/mo per $1,000 borrowed. |
| 15 Year Fixed | 3.125% Rate | 3.253% APR | $6.97/mo per $1,000 borrowed. |
| 20 Year Fixed | 3.500% Rate | 3.601% APR | $5.80/mo per $1,000 borrowed. |
| 30 Year Fixed | 3.750% Rate | 3.823% APR | $4.64/mo per $1,000 borrowed. |
Vacant Land
- Borrow up to 70% of appraised value, or sales price, whichever is less.
| Vacant Land | ||||
| Effective Date: Saturday, February 28th, 2015 | ||||
| Term | Balloon | Rate | APR | Payment Amount |
| 15 years | 3-year balloon | 5.125% Rate | 5.393% APR | $7.98 /mo per $1,000 borrowed. |
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.
HOME EQUITY RATES
There are no transaction, activity, membership or participation fees.
Mortgage applicants click here for additional disclosure information.
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: Saturday, February 28th, 2015 | |||
| Loan Information | Rate | APR | Payment 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. |
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: Saturday, February 28th, 2015 | |||
| Loan Information | Rate | APR | Notes |
| -- $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. |
Rates are subject to change without notice. Call for current rates.