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.

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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.

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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.
• $100 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.

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Health Savings Accounts

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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Business Rates

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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

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*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.

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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.

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Primary Residence & Second Homes

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Thank you for your patience as we work through a heavy volume period of time - all members who contacted us prior to 8/14/2020 at 10 AM and have not yet received a return call - the prior rates will be honored for your request

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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.

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HOME EQUITY RATES

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

Mortgage applicants please read our Mortgage Applicant Disclosure.

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