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Home > Rates & Fees

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, November 16th, 2018, 12:00am ET.
Account InformationInterest RateAPY

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%

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: Friday, November 16th, 2018, 12:00am ET.
Account InformationInterest RateAPY
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%

Click here for 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 (for members age 25 and younger)

Withdrawals only at maturity

Special Certificate Rates
Effective Date: Friday, November 16th, 2018, 12:00am ET.
Certificate TermInterest RateAPY
14 Month Special 2.080% 2.100%
49 Month Special
* NEW MONEY TO CU ONLY
3.203% 3.250%
68 Month Special 3.203% 3.250%

Click here for Disclosures

* 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, November 16th, 2018, 12:00am ET.
Certificate TermInterest RateAPY
6-11 Months 1.045% 1.050%
12-17 Months 1.588% 1.600%
18-23 Months 1.736% 1.750%
24-35 Months 2.031% 2.050%
36-47 Months 2.276% 2.300%
48-59 Months 2.423% 2.450%
60 Months 2.716% 2.750%

Click here for Disclosures

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Health Savings Accounts

Health Savings Rates
Effective Date: Friday, November 16th, 2018, 12:00am ET.
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%

Our Rates & Service Charges

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

Savings
Effective Date: Friday, November 16th, 2018, 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 InformationInterest RateAPY
Primary Membership Share Account 0.250% 0.250%
Other Savings 0.250% 0.250%
Click here for Disclosures

Special Certificate Rates for Business
Effective Date: Friday, November 16th, 2018, 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 TermInterest RateAPY
14 Month Special 2.080% 2.100%
49 Month Special
* NEW MONEY TO CU ONLY
3.203% 3.250%
68 Month Special 3.203% 3.250%

Click here for Disclosures

* 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: Friday, November 16th, 2018, 12:00am ET.
Certificate TermInterest RateAPY
6-11 months 1.045% 1.050%
12-17 months 1.588% 1.600%
18-23 months 1.736% 1.750%
24-35 months 2.031% 2.050%
36-47 months 2.276% 2.300%
48-59 months 2.423% 2.450%
60 months 2.716% 2.750%

Click here for Disclosures

High-Yield Deposit Account
Effective Date: Friday, November 16th, 2018, 12:00am ET.
Requires a minimum opening balance of $1000 and compounded monthly
NameInterest RateAPY
$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%
Click here for Disclosures

Business Checking Beyond
Effective Date: Friday, November 16th, 2018, 12:00am ET.
Compounded Monthly
Account InformationInterest RateAPY
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%

Click here for Disclosures

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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.

Open End Consumer Loans
Effective Date: Friday, November 16th, 2018, 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 TypeTermAPR
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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Apply Now

Credit Cards - Platinum Visa®

Click to view disclosures.

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Apply Now

Closed End Consumer Loans
Effective Date: Friday, November 16th, 2018, 12:00am ET.
  • 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, Motorcycle, Recreational Vehicle, Boat, Motor Home or RV require a maximum 20% down payment.
Loan TypeTermRatePayment Amount
New & Used Autos / Motorcycles 2010 - 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 2013 - 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 2014 - 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)

Equal Housing Lender logoPlease 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 click here for additional disclosure information.

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Primary Residence & Second Homes

Balloon Mortgages
Effective Date: Friday, November 16th, 2018, 12:00am ET.
Amortization PeriodBalloonRateAPR
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.

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Conventional Mortgages
Effective Date: Friday, November 16th, 2018, 12:00am ET.
TermRateAPR
10 Year Fixed 4.250% Rate 4.472% APR
15 Year Fixed 4.500% Rate 4.657% APR
20 Year Fixed 4.875% Rate 5.002% APR
30 Year Fixed 5.000% Rate 5.094% APR

All payment examples are for principal and interest only, any escrow for property taxes and insurance would be additional.

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Vacant Land
Effective Date: Friday, November 16th, 2018, 12:00am ET.
  • Borrow up to 70% of appraised value, or sales price, whichever is less.
TermBalloonRateAPR
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.

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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

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

Mortgage applicants click here for additional disclosure information.

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Home Cash Equity Loan
Effective Date: Friday, November 16th, 2018, 12:00am ET.
  • $5,000 minimum; $250,000 maximum
  • 20 year amortization; 5-year balloon
  • Appraisal and title work required for loan amounts greater than $50,000
Loan InformationRateAPR
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.

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Equity Line of Credit
Effective Date: Friday, November 16th, 2018, 12:00am ET.
  • 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%
Loan InformationRateAPRNotes
-- $5,000 min; $250,000 max -- 100% of appraised value 5.25% Rate 5.25% APR (Variable - reviewed monthly) Additional disclosure information

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

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If you are having issues using this website, please call 1-800-227-2328 for assistance.