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 Accounts | ||
| Effective Date: Friday, January 18th, 2019, 12:00am ET. | ||
| Account Information | Interest Rate | APY |
Primary Membership Share Accounts - Prospective Dividend Rate -- $5.00 minimum balance required to open account and earn the stated APY. |
0.250% | 0.250% |
Checking Accounts |
0.150% | 0.150% |
Other Savings and Club Accounts |
0.250% | 0.250% |
IRA Accounts - $5.00 minimum balance required to open account and earn stated APY. |
0.499% | 0.500% |
Christmas Club - 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: Friday, January 18th, 2019, 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 $100,000.00 or higher | 0.499% | 0.500% |
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 (for members age 25 and younger)
- Available in 6 & 12 month terms
- Rates are .250% higher than the current 6-month and 12-month interest rates
- $500 minimum deposit
- $50 minimum add-on deposits
Withdrawals only at maturity
| Special Certificate Rates | ||
| Effective Date: Friday, January 18th, 2019, 12:00am ET. | ||
| Certificate Term | Interest Rate | APY |
| 14 Month Special | 2.472% | 2.500% |
| 49 Month Special * NEW MONEY TO CU ONLY |
3.203% | 3.250% |
| 68 Month Special | 3.203% | 3.250% |
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: Friday, January 18th, 2019, 12:00am ET. | ||
| Certificate Term | Interest Rate | APY |
| 6-11 Months | 1.144% | 1.150% |
| 12-17 Months | 1.638% | 1.650% |
| 18-23 Months | 1.736% | 1.750% |
| 24-35 Months | 2.129% | 2.150% |
| 36-47 Months | 2.423% | 2.450% |
| 48-59 Months | 2.570% | 2.600% |
| 60 Months | 2.813% | 2.850% |
Health Savings Accounts
| Health Savings Rates | ||
| Effective Date: Friday, January 18th, 2019, 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 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.
Business Rates
| Savings | ||
| Effective Date: Friday, January 18th, 2019, 12:00am ET. | ||
| Primary 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 |
| Primary Membership Share Account | 0.250% | 0.250% |
| Other Savings | 0.250% | 0.250% |
| Special Certificate Rates for Business | ||
| Effective Date: Friday, January 18th, 2019, 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 |
| 14 Month Special | 2.472% | 2.500% |
| 49 Month Special * NEW MONEY TO CU ONLY |
3.203% | 3.250% |
| 68 Month Special | 3.203% | 3.250% |
| Certificates of Deposit Account | ||
| Effective Date: Friday, January 18th, 2019, 12:00am ET. | ||
| Certificate Term | Interest Rate | APY |
| 6-11 months | 1.144% | 1.150% |
| 12-17 months | 1.638% | 1.650% |
| 18-23 months | 1.736% | 1.750% |
| 24-35 months | 2.129% | 2.150% |
| 36-47 months | 2.423% | 2.450% |
| 48-59 months | 2.570% | 2.600% |
| 60 months | 2.813% | 2.850% |
| High-Yield Deposit Account | ||
| Effective Date: Friday, January 18th, 2019, 12:00am ET. | ||
| Requires a minimum opening balance of $1000 and compounded monthly | ||
| Name | Interest Rate | APY |
| $1,000.00 to $24,999.99 | 0.349% | 0.350% |
| $25,000.00 to $49,999.99 | 0.399% | 0.400% |
| $50,000.00 to $99,999.99 | 0.449% | 0.450% |
| $100,000.00 or higher | 0.499% | 0.500% |
| Business Checking Beyond | ||
| Effective Date: Friday, January 18th, 2019, 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 $999,999.99 | 0.25% | 0.25% |
| Balances from $1,000,000 or higher | 0.25% | 0.25% |
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.
| Open End Consumer Loans | ||
| Effective Date: Friday, January 18th, 2019, 12:00am ET. | ||
| ||
| 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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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 | |||
| Effective Date: Friday, January 18th, 2019, 12:00am ET. | |||
| |||
| Loan Type | Term | Rate | Payment Amount |
| New & Used Autos / Motorcycles 2011 - Newer | 12 to 60 Months | As Low As 3.49% | $18.20/mo per $1,000 borrowed based on maximum term. |
| New & Used Autos / Motorcycles 2014 - Newer | 61 to 72 Months | As Low As 3.74% | $15.54/mo per $1,000 borrowed based on maximum term. |
| New & Used Autos / Motorcycles 2015 - Newer | 73 to 84 Months | As Low As 4.24% | $13.79/mo per $1,000 borrowed based on maximum term. |
| Used Autos / Motorcycles No Model Year Limitation | 12 to 48 Months | As Low As 3.49% | $22.36/mo per $1,000 borrowed based on maximum term. |
| Personal Watercraft, Snowmobiles, Off-Street Motorcycles & ATV | 0 to 36 Months | As Low As 3.99% | $29.59/mo per $1,000 borrowed based on maximum term. |
| Personal Watercraft, Snowmobiles, Off-Street Motorcycles & ATV | 37 to 60 Months | As Low As 4.99% | $18.88/mo per $1,000 borrowed based on maximum term. |
| New & Used Boats / RV's* | Up to 60 Months or 180 Months max with a 60 month balloon | As Low As 3.49% | $7.15/mo per $1,000 borrowed based on maximum term. |
| New & Used Boats / RV's | 61 to 84 Months | As Low As 4.24% | $22.36/mo per $1,000 borrowed based on maximum term. |
| New & Used Boats / RV's | 85 to 120 Months | As Low As 4.99% | $10.61/mo per $1,000 borrowed based on maximum term. |
| New & Used Boats / RV's | 121 to 144 Months | As Low As 5.99% | $9.76/mo per $1,000 borrowed based on maximum term. |
| Other Non-Titled Purchased Goods | 12 to 60 Months | As Low As 6.99% | $19.81/mo per $1,000 borrowed based on maximum term. |
| Other Secured/Unsecured Requests | 12 to 60 Months | As Low As 8.99% | $20.76/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 2.74% APR for a 180 month amortization, 60 month balloon term, you will make 59 payments of approximately $339.13 and one final payment of approximately $36,153.39. Portions of the final payment may be refinanced with qualifying credit worthiness.
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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 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: Friday, January 18th, 2019, 12:00am ET. | |||
| Amortization Period | Balloon | Rate | APR |
| 30 years | 5-year balloon | 4.500% Rate | 4.744% APR |
| 30 years | 7-year balloon | 4.875% Rate | 5.065% APR |
| 30 Years | 10-year balloon | 5.000% Rate | 5.148% 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. | |||
| Conventional Mortgages | ||
| Effective Date: Friday, January 18th, 2019, 12:00am ET. | ||
| Term | Rate | APR |
| 10 Year Fixed | 4.000% Rate | 4.236% APR |
| 15 Year Fixed | 4.125% Rate | 4.271% APR |
| 20 Year Fixed | 4.375% Rate | 4.491% APR |
| 30 Year Fixed | 4.500% Rate | 4.585% APR |
All payment examples are for principal and interest only, any escrow for property taxes and insurance would be additional. | ||
| Vacant Land | |||
| Effective Date: Friday, January 18th, 2019, 12:00am ET. | |||
| |||
| Term | Balloon | Rate | APR |
| 15 years | 3-year balloon | 6.500% Rate | 6.898% 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
There are no transaction, activity, membership or participation fees.
Mortgage applicants please read our Mortgage Applicant Disclosure.
| Home Cash Equity Loan | ||
| Effective Date: Friday, January 18th, 2019, 12:00am ET. | ||
| ||
| Loan Information | Rate | APR |
| for loan amounts greater than or equal to 80.01 to 100.00% Loan to Value. Appraisal may be required. | 6.250% Rate | 6.312% APR |
| for loan amounts less than or equal to 80.00% Loan to Value | 5.750% Rate | 5.751% APR |
All payment examples are for principal and interest only. Property taxes and insurance are not included. A balloon payment will result if only principal and interest payments are made during the term of the loan. | ||
| Equity Line of Credit | |||
| Effective Date: Friday, January 18th, 2019, 12:00am ET. | |||
| |||
| Loan Information | Rate | APR | Notes |
| -- $5,000 min; $250,000 max -- 100% of appraised value | 5.25% Rate | 5.25% APR (Variable - reviewed monthly) | Additional disclosure information |
Rates are subject to change without notice. Call for current rates.