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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
Effective Date: For the 2nd Quarter 2015
Account InformationInterest RateAPY

Share Accounts - 2nd Quarter 2015 (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%

Vacation 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%

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 2015
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 0.290% 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%

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

Withdrawals only at maturity

Certificate Rates
Effective Date: For the Period of April 21, 2015 - April 27, 2015
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 0.598% 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%

Click here for Disclosures

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Health Savings Accounts

Health Savings Accounts
Effective Date: For the Month of April 2015
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

Open End Consumer Loans
Effective Date: Saturday, April 25th, 2015
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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Apply Now

Credit Cards - Platinum VISA

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Closed End Consumer Loans

Closed End Consumer Loans
Effective Date: Saturday, April 25th, 2015
Loan TypeTermRatePayment 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.

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Primary Residence & Second Homes

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Balloon Mortgages

Balloon Mortgages
Effective Date: Saturday, April 25th, 2015
Maximun Amortization PeriodBalloonRateAPRPayment Amount
30 years 5-year balloon 2.750% Rate 2.909% APR $4.09/mo per $1,000 borrowed.
30 years 7-year balloon 3.000% Rate 3.149% APR $4.22/mo per $1,000 borrowed.
30 Years 10-year balloon 3.250% Rate 3.342% APR $4.36/mo per $1,000 borrowed.

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Conventional Mortgages

Conventional Mortgages
Effective Date: Saturday, April 25th, 2015
TermRateAPRPayment 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.

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Vacant Land

Vacant Land
Effective Date: Saturday, April 25th, 2015
TermBalloonRateAPRPayment Amount
15 years 3-year balloon 4.750% Rate 5.017% APR $7.78 /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

Home Cash Equity Loan
Effective Date: Saturday, April 25th, 2015
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

Equity Line of Credit
Effective Date: Saturday, April 25th, 2015
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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